Buyer Plans

Home Buyer Safeguard Plans

Choose your plan based on the purchase price range. All plans include the same 6 buyer safeguards. The only difference is the percentage paid and the maximum limits.

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Important notice: Safeguards are subject to eligibility, documentation requirements, and plan terms. Not insurance, not a warranty, not legal advice.

Three plans, based on purchase range.

Same 6 safeguards in every plan. Gold / Platinum / Elite only change the payout percentage and the maximum limits.

Gold 50

Purchase Range: $100,000 to $250,000

50%
Pays 50% of loss — up to the limit Total protection: Up to $2,600
Appraisal Gap Up to $500
Inspection Costs Up to $200
Wire Fraud Up to $1,000
Storage / Double Move Up to $200
Legal Defense Up to $200
Earnest Money Up to $500

Platinum 60

Purchase Range: $251,000 to $500,000

60%
Pays 60% of loss — up to the limit Total protection: Up to $5,200
Appraisal Gap Up to $1,000
Inspection Costs Up to $400
Wire Fraud Up to $2,000
Storage / Double Move Up to $400
Legal Defense Up to $400
Earnest Money Up to $1,000

Elite 75

Purchase Range: $501,000 or Higher

75%
Pays 75% of loss — up to the limit Total protection: Up to $7,800
Appraisal Gap Up to $1,500
Inspection Costs Up to $600
Wire Fraud Up to $3,000
Storage / Double Move Up to $600
Legal Defense Up to $600
Earnest Money Up to $1,500
All plan ranges and maximum payouts above reflect your Buyer plan details: Gold ($100k–$250k), Platinum ($251k–$500k), Elite ($501k+).

Full Plan Details

Plain-language explanations of each buyer safeguard.

Buyer safeguard

Lost Inspections

If a covered transaction falls through, Realty Guardian will reimburse the buyer for 50–75% of their inspection fees, up to the plan limit, to help relieve personal losses.

Buyer safeguard

Appraisal Gap

If the appraisal comes in short of the agreed upon sales price, Realty Guardian will reimburse the buyer for 50–75% of the buyer’s contribution to make up the shortfall, up to the plan limit.

Buyer safeguard

Storage / Double Move

Realty Guardian will reimburse 50–75% of the temporary storage and temp moving costs, up to the plan limit, if the buyer is forced by unexpected events during the transaction to endure a double move.

Buyer safeguard

Cyber Wire Fraud

Wire fraud is on the rise. Realty Guardian helps the buyer recover from a loss event by reimbursing 50–75% of any legal attorney recovery fees based on the plan, or 50–75% the loss itself, up to the plan limit, protecting against costly financial fraud.

Buyer safeguard

Legal Defense

If post-closing issues arise after the transaction, Realty Guardian will reimburse 50–75% of the paid costs of the real estate attorney fees, up to the plan limit, if claims are submitted by the end of the first six months after the closing.

Buyer safeguard

Earnest Money

If the buyer fulfills all contract terms but the seller refuses to return the earnest money within 3 months of the contract failure date as evidence shows, buyer will be repaid 50–75% of the loss of earnest money, up to the plan limit.

*Eligibility, documentation, timing, and plan terms apply. Not insurance, not a warranty, not legal advice.

Want the right plan set up correctly?

The best time to set safeguards is early. A Guardian Agent can confirm your purchase range and help select the right plan level.

Next step: Find a Guardian Agent and request your Buyer Safeguard Plan certificate.

*Safeguards are subject to eligibility, documentation requirements, and plan terms. Not insurance, not a warranty, not legal advice.
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