Insurance
⚠️ PLEASE NOTE: NAR and GAR Health Benefits Program do not send solicitations via text message.
GARE is the only program endorsed by the Georgia REALTORS®. Please click here to read an article from the National Association of REALTORS® on insurance scams that target REALTORS®.
Being a REALTOR® has its privileges! Both the National Association of REALTORS® and the Georgia Association of REALTORS® have bargained with quality insurance providers on behalf of the membership to provide great coverage at great rates -- E&O, health, dental, vision, home, auto, pets -- whatever your needs, we've got you covered!
Georgia REALTORS® Health Benefits Center
Looking for more coverage options? Through the GARE Health Benefits Center, Georgia REALTORS® can explore affordable medical, dental, and vision plans tailored for independent contractors and small businesses.
Eligibility and Requirements
- For most plans, sole proprietors and contractors must operate their business using a federal tax ID and be actively working.
- Dependent coverage may require verification of relationships – may include marriage certificates, birth certificates or other supporting documents.
- Enrollments finalized by the 15th of the month will be effective the following month. Any enrollment after the 15th will be effective the month after the following month.
- For example: an enrollment finalized on February 15 will become active March 1; an enrollment finalized February 18 will become active April 1.
REALTORS® Insurance Place
Through the REALTORS® Insurance Place, members of the National Association of REALTORS® have access to exclusive insurance coverage designed to protect you, your family, and even your pets — all at competitive group rates. More info »
The Insurance Place features the following products:
- Health Insurance
Coverage that fits your lifestyle and budget, with a variety of plans and carriers to choose from. - Dental Insurance
Group dental plans offering 100% preventive care coverage when using in-network providers. - Vision Insurance
Affordable vision plans starting at just $12.70/month, with coverage for the entire family. - Life & AD&D Insurance
Group term life insurance to help protect your loved ones and your financial future. - Disability Insurance
Safeguard your income in the event of a covered disability that prevents you from working. - Pet Insurance
Get peace of mind for your furry family members with cost-effective pet health plans. - Identity Theft Protection
Comprehensive plans to help protect your identity and restore peace of mind. - And More!
Explore additional products like home, auto, and renters insurance designed for REALTORS®.
Errors & Omissions (E&O) Insurance Options
As a REALTOR® member, you have access to exclusive E&O insurance options through both GAR and NAR partners. These programs help protect your business from legal liability and include benefits like cyber coverage, premium credits, and risk management tools.
GAR Partner – Pearl Insurance
Real Estate ProtectionPlus from Pearl Insurance offers comprehensive E&O coverage with trusted support since 1979. This plan includes access to CyberOne™ and Data Compromise coverage, helping protect against the financial impact of data breaches.
- Quick online quoting and purchase options
- Backed by AXA XL and endorsed by GAR
- Includes risk management tools and premium credits
Get a Quote or Learn More from Pearl Insurance
NAR Partner – Victor Insurance Managers
Through NAR’s REALTOR® Benefits Program, members can access Victor Insurance Managers LLC for premium E&O coverage with exclusive credits for NAR designations, risk management programs, and longevity.
- Premium savings for NAR members
- Longevity credits after 3, 5, and 10 years
- Quotes are available through your insurance agent or via Victor’s platform