Protection across the whole journey
Protect your move from financial shock, fraud, and legal uncertainty.
The Protection Mindset is a simple shift: assume the transaction will face real-world pressure—and prepare for it. Guardian Agents use structured safeguards before and during closing, and depending on plan terms, may help reimburse certain eligible documented out-of-pocket expenses if a deal fails to close or if defined post-closing issues arise.
Preparedness + safeguards
Risk-aware guidance, clearer expectations, stronger documentation, fewer surprises.
Reduce the financial shock
Plan terms may allow reimbursement for specific, documented, eligible expenses if the transaction fails to close.
Fraud + legal support
Wire fraud and post-closing legal consultation protection may apply under plan terms and limits.
Not hype—just smarter preparation and clear safeguards for the moments most people don’t plan for.
No blanket coverage. Reimbursement (when offered) depends on eligibility, documentation, and plan limits.
Plain English: Great agents negotiate. Guardian Agents also help you plan for timeline pressure, fraud risk, and post-closing questions—before they become expensive surprises.
What is the protection mindset?
It’s not fear. It’s preparedness.
Most people plan for the best-case scenario. The Protection Mindset plans for the real world: inspections reveal issues, appraisals come in low, timelines stretch, wire fraud attempts happen, and post-closing questions can require legal guidance.
Expect pressure
Assume the process will hit friction—then make choices that reduce the impact when it does.
Protect time + money
Delays create costs: moving logistics, carrying payments, missed opportunities, and stress.
Protect against modern risks
Wire fraud attempts and post-closing legal questions are real. Plans may provide defined protections under terms.
What you’re protected from
Three risk windows: before/during, failure, and after closing.
Realty Guardian® was built for the full journey—not just one scenario. Guardian Agents help reduce surprises while you’re under contract, and plan benefits (if offered) address defined risks if things go sideways.
Before & during closing
- Clear expectations and proactive communication
- Risk-aware decisions during inspection, appraisal, and negotiations
- Better documentation that reduces costly confusion
If a transaction fails
- Plan terms may allow reimbursement for specific eligible expenses
- Requires documentation, eligibility, and plan limits
- Designed to reduce financial shock—not promise outcomes
After closing
- Wire fraud protection may apply under plan terms
- Post-closing legal consultation protection may apply under plan terms
- Defined limits, documentation, and eligibility still matter
Real-world pressure points
The contract is the start—not the finish.
These are common moments where costs appear, timelines slip, or decisions get emotional.
Inspection & repair friction
- Findings trigger negotiation and timeline stress.
- Contractors can’t schedule quickly (delays happen).
- Some issues are too big for the timeline or budget.
Financing & timeline pressure
- Low appraisal requires renegotiation or strategy shifts.
- Underwriting requests come late and stall progress.
- Rate changes, job changes, or lender conditions can disrupt closing.
Second thoughts & life events
- Big decisions create nerves—momentum can shift fast.
- One new issue can change the whole negotiation.
- Unexpected events can change priorities overnight.
Paperwork, title, & coordination
- Title issues or missing docs slow closings.
- Multiple parties create bottlenecks.
- Deadlines slip and costs rise quietly in the background.
Modern risks people underestimate
Wire fraud and post-closing legal questions are real.
Protection isn’t just about what happens before closing day. Realty Guardian® also addresses defined risks that can show up during funds transfer and after the keys are handed over, subject to plan terms and limits.
Wire fraud protection
Real estate wire fraud attempts are increasingly sophisticated. Depending on plan terms, defined protections may apply if an eligible wire fraud event occurs. Documentation and eligibility requirements apply.
- Encourages safer verification habits and communication
- Addresses defined wire fraud exposure under plan terms
- Not blanket coverage; limits and requirements apply
Post-closing legal consultation protection
After closing, questions or disputes can arise that require legal guidance. Depending on plan terms, reimbursement may be available for defined post-closing legal consultation needs. Eligibility, documentation, and limits apply.
- Helps reduce the “now what?” feeling after an issue appears
- Defined consultation support under plan terms
- Not legal representation; plan limits and requirements apply
How Guardian Agents approach protection
Preparation + safeguards + clear expectations.
A Guardian Agent helps you make risk-aware decisions from the beginning—then uses structured safeguards to reduce surprises. Safeguard Plan tiers are determined by the transaction price range (listing price or purchase price) and applied under the applicable terms, limits, and eligibility requirements.
Clarify the risks
Identify the most likely pressure points early and plan for them before they become expensive.
Apply the price-based plan tier
The Safeguard Plan tier is determined by transaction price range and applied under defined terms, limits, and eligibility requirements.
Document + communicate
Better documentation and proactive updates reduce unknowns and help timelines stay intact.
Reduce the shock
Depending on plan terms, reimbursement may be available for certain eligible documented expenses tied to defined events (failed closing and/or post-closing issues).
For buyers
Protection focuses on timeline pressure, due diligence costs, fraud exposure, and post-closing questions—so you can move with confidence.
- Inspection and negotiation friction
- Financing conditions, appraisal issues, and delays
- Wire fraud risk and post-closing legal questions (per terms)
For sellers
Protection focuses on momentum, timing, coordination risk, fraud exposure, and post-closing concerns—so one surprise doesn’t derail your next move.
- Buyer delays, contingency friction, and restart costs
- Paperwork and coordination bottlenecks
- Wire fraud risk and post-closing legal questions (per terms)
Frequently asked questions
Clear answers. No hype.
These are the questions smart buyers and sellers ask before they commit.
Is Realty Guardian insurance?
No. Realty Guardian® is not an insurance provider. Benefits (if offered) may include reimbursement for certain eligible documented out-of-pocket expenses, subject to plan terms, limits, and eligibility requirements.
Do plans guarantee reimbursement?
No. Reimbursement is not automatic. It depends on the plan’s definitions, eligibility requirements, documentation, limits, and terms.
What does “eligible costs” mean?
Eligible costs are specific, documented out-of-pocket expenses that may qualify under your plan’s terms and limits for defined events. Exact eligibility varies by plan tier.
What if my transaction delays but still closes?
Many benefits of the Protection Mindset happen before closing: better planning, clearer communication, fewer surprises, and decisions made with real-world risk in mind.
Does protection include wire fraud and post-closing legal help?
Depending on plan terms, defined protections may apply for wire fraud and/or post-closing legal consultation. Eligibility, documentation, and limits apply. See plan details for definitions and exclusions.
How are plan tiers determined?
Plan tiers are determined by the transaction price range (listing price or purchase price) and applied under the plan’s terms, limits, and eligibility requirements.
Where can I see plan details and limits?
Visit the Safeguard Plans page to review plan tiers, eligibility, definitions, and limits. A Guardian Agent can also walk you through how it applies to your transaction.
Ready to move forward?
Protect your move with a Guardian Agent.
The Protection Mindset gives you a plan for the real world—before surprises show up, and after closing if defined issues arise. Explore Safeguard Plans or connect with a Guardian Agent.
Realty Guardian® is not insurance. Benefits (if offered) are subject to plan definitions, eligibility requirements, documentation, plan limits, and plan terms. Not all situations qualify.