Tom Elder


Senior Vice President

Background & Experience


Tom has more than 20 years of specialized residential and commercial property investor, real estate owned (REO) and lender-placed risk management expertise. He understands the complexities surrounding property transactions and compliance issues and draws from his lending experience to achieve productive results for his agents.

Prior to Breckenridge in 2017, Tom successfully led the REO/lender-placed Insurance program at All Risks Ltd. as program manager for eight years. His background also includes having built three successful companies with multiple branches serving the traditional and reverse mortgage markets from loan origination to strategic development of new products and services. He began in the industry as a mortgage broker and quickly rose to manager and has earned several career accolades for top sales and team leadership throughout his career.

Tom Elder was last modified: February 3rd, 2023 by Breckenridge Insurance Services



Enjoys fishing, boating, reading and spending time with his wife, 2 children, and 2 rescue dogs.



  • Builders Risk
  • Flood
  • Habitational / Apartments
  • Investor Owned Real Estate
  • Lender-Placed / REO
  • Property
  • Real Estate
  • Vacant Property



  • Construction/Contractors