Pricing Guide

How much does real estate cyber insurance cost?

A $500,000 cyber policy runs from roughly $700 per year for a small firm to $25,000 for the largest brokerages. The full pricing picture for real estate — and the five factors, led by wire-fraud exposure, that set it.

Whether you're adding cyber coverage for the first time or reviewing a renewal, "how much does cyber insurance cost?" is the right question — but the honest answer is that it depends on your revenue, your controls, and how much money moves through your closings.

PBI Group writes cyber liability alongside E&O for real estate firms across all 50 states. This is the same pricing framework we use when scoping a quote — grounded in how carriers actually rate real estate cyber exposure, where wire fraud and business email compromise are the dominant claim.

Average real estate cyber rates

Cyber premium prices primarily off revenue and transaction volume — the more funds moving through the firm, the more exposure a carrier is underwriting. The ranges below are for a $500,000 policy limit; higher limits are available which will raise the number.

$1M revenue: $700–$1,200 annually
$1M–$5M revenue: $1,200–$2,000 annually
$5M–$10M revenue: $2,000–$3,000 annually
$10M–$20M revenue: $3,000–$5,500 annually
$20M–$50M revenue: $5,000–$15,500 annually
$50M+ revenue: $15,000–$25,000 in annual cyber premium

As with E&O, two firms paying the same premium can have very different protection. The coverages that pay in a real estate cyber claim — funds-transfer fraud and social engineering — are frequently written at a sublimit below the overall policy limit. Read the sublimits, not just the headline number.

Cyber is a separate policy from your professional liability coverage. For where E&O prices, see the companion real estate E&O cost guide.

How cyber prices are determined

Five factors drive most of the variance in real estate cyber pricing:

1. Revenue and transaction volume

Revenue is the primary input, because it tracks how much money moves through the firm and how many closings a carrier is exposed to. Premium generally re-rates each year on current revenue.

2. Claims history

A prior wire-fraud, ransomware, or breach event is a major factor. Underwriters read a past incident as elevated future risk and price accordingly. Prior-carrier loss runs travel with the application.

3. Security controls

This is the biggest lever you control. Carriers reward — and increasingly require — a baseline of controls, and firms that have them in place price meaningfully better:

Multi-factor authentication (MFA) on email and remote access
Endpoint protection / EDR on firm devices
Regular, tested backups
Wire-verification procedures (call-back confirmation of instructions)
Recurring staff training on phishing and business email compromise

4. Application accuracy

Cyber applications ask what controls you have in place — and at claim time, the carrier relies on those answers. Overstating your security to lower the premium can lead to a denied claim later. Answer completely and honestly; if you're closing a gap, a good agent can help you get to the controls carriers expect.

5. Policy structure — limits, retention, sublimits

Three structural choices materially affect premium:

Retention (deductible) — a higher retention lowers premium
Policy limit — $500,000 is the entry point; for larger firms ($10M revenue and higher) we recommend a $1M limit
Funds-transfer & social-engineering sublimits — the coverages that pay in the most common real estate cyber claim; worth increasing to the maximum available. Carriers generally sublimit these at 50% of the aggregate limit.

Wire fraud is why this matters so much for real estate. Closings move large sums on a predictable timeline, which makes brokerages a prime target for business email compromise — see our guide to preventing wire fraud in real estate.

Is real estate cyber insurance worth the cost?

Cyber premium should be seen as an investment against a catastrophic, targeted risk — not a line item to minimize. A single wire-fraud or breach event routinely becomes a six-figure loss once you add funds-transfer loss, forensics, client notification, and potential liability. Budgeting a fraction of a percent of revenue for cyber is cheap insurance against an event that can end a brokerage.

The economics:

Real estate is one of the most-targeted industries for wire fraud and business email compromise
A standalone cyber policy covers first-party costs your E&O policy will not
A growing number of lenders, franchises, and clients expect proof of cyber coverage
The FBI's IC3 consistently ranks real estate wire fraud among the costliest cybercrime categories

And as with E&O, cyber policies are not all the same. The difference between a policy that pays and one that doesn't is usually in the funds-transfer and social-engineering language — the part a generalist agent is least likely to read closely.

Work with a real estate cyber specialist

When you buy cyber for a brokerage, work with an advisor who understands both the real estate transaction and the insurance. An independent agent compares your firm's risk profile across multiple carrier programs and finds the right coverage at the right rate — and reads the same policy form a generalist would skim, catching the sublimit gaps that decide real claims.

PBI Group writes cyber alongside E&O for ~1,500 real estate firms across all 50 states, with programs built specifically for real estate exposure.

Next steps

Three ways to dig deeper:

Get a quote — short intake, full quote in 24–48 hours
Cyber coverage detail — what the policy covers, first-party vs. third-party, real-world claims
E&O cost guide — how professional liability prices, so you can budget both
Cyber FAQ — common questions about coverage, claims, and controls

Real estate cyber cost — frequently asked questions

How much does real estate cyber insurance cost?

For a $500,000 limit, most real estate firms pay roughly $700–$1,200 per year at $1M in revenue, scaling up with size: about $1,200–$2,000 at $1M–$5M, $2,000–$3,000 at $5M–$10M, $3,000–$5,500 at $10M–$20M, $5,000–$15,500 at $20M–$50M, and $15,000–$25,000 for firms above $50M. The real number depends on revenue, claims history, the security controls you have in place, and how much of your transaction volume involves wired funds.

What factors determine cyber insurance cost?

Five factors drive most of the pricing: (1) revenue / transaction volume — more wired funds moving through the firm means more exposure; (2) claims history — a prior wire-fraud or breach event raises future pricing; (3) security controls — multi-factor authentication, endpoint protection, backups, and staff training lower rates; (4) application accuracy — carriers price and, at claim time, rely on the controls you attest to, so answers must be complete and honest; (5) policy structure — limits, retention, and the sublimits for social engineering and funds-transfer fraud.

Why is wire fraud such a big driver of cyber cost for real estate?

Real estate is one of the most-targeted industries for business email compromise and wire-fraud schemes, because closings move large sums on a known timeline. Carriers price a real estate firm's cyber policy heavily on funds-transfer and social-engineering exposure, and they look closely at the sublimits for those coverages — which are often lower than the overall policy limit. A firm that verifies wire instructions by phone and trains its agents typically prices better.

Does my E&O policy already cover cyber?

Generally no. A real estate E&O policy covers professional negligence; it may carry a small cyber or wire-fraud sublimit, but that is not a substitute for a standalone cyber liability policy. First-party costs (forensics, notification, business interruption, funds-transfer loss) and third-party liability from a breach are what a dedicated cyber policy is built to handle. Most firms carry both.

Is cyber insurance worth the cost for a real estate brokerage?

A single wire-fraud or breach event routinely runs into six figures once you add funds-transfer loss, forensics, client notification, and potential liability. Cyber premium is a small fraction of a percent of revenue for most firms — the economics strongly favor carrying it, and a growing number of lenders, franchises, and clients now expect proof of coverage.

What cyber limit should a real estate firm carry?

$500,000 is the common entry point, and it is where most of the pricing above is anchored. Larger firms, higher transaction volumes, or firms handling significant escrow / funds-transfer activity often move to $1M limits.

PBI Group offers great cyber insurance rates and provides an unmatched customer experience.

Fantastic to work with for my real estate E&O insurance as well as my cyber liability insurance - quick response!

PBI Group is great to work with for Cyber Insurance!

The team at PBI Group was very helpful and prompt in answering our questions and solving our cyber insurance coverage needs, I would recommend them to anyone

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