Safeguard Plans — Overview
Price-based safeguards—applied automatically, with no plan selection.
Realty Guardian® safeguards are built around the listing price or sales price. As transaction values increase, safeguard levels increase accordingly. Safeguards are designed to help address real transaction risks—including issues that can happen even when a deal closes (like wire fraud)—and in certain situations may reimburse eligible documented out-of-pocket expenses, subject to terms and limits.
Plain-English Snapshot
What makes this different
- No upsell: safeguards are determined by transaction price
- Broader protection mindset: covers multiple transaction risks—not just one scenario
- Clarity: eligibility, documentation, and limits are defined in the terms
The purpose is fairness and preparedness: safeguard level is based on home value—not a sales pitch.
Important: No program can eliminate every risk or cover every dollar lost. Safeguards are designed to reduce financial shock and provide meaningful support when real-world problems hit a transaction.
Why safeguards exist
Because the cost of “unexpected” is real.
Some problems happen before closing (inspection, appraisal, financing delays). Some happen at the worst time (wire fraud attempts). Some create legal uncertainty or extra costs. Safeguards exist to bring structure and meaningful support when pressure shows up.
Reduce financial shock
In certain situations, safeguards may reimburse eligible documented out-of-pocket expenses, subject to terms and limits.
Protect time & momentum
Structure reduces chaos when deadlines shift, negotiations tighten, and timelines break.
Address real transaction risks
Safeguards are designed for real problems—like fraud attempts and legal complexity—based on eligibility and terms.
How safeguards work
Three points. No confusion.
This is the core of your system—simple and accurate. Specific eligible items and limits are defined by your safeguard tier and the terms.
Safeguard level is price-based.
Your safeguard level is automatically determined by the property’s listing price or sales price. Higher-priced transactions qualify for higher safeguard levels.
Safeguards address multiple risks.
Safeguards are designed to help with real transaction problems—such as fraud attempts (including wire fraud) and legal complexity—based on eligibility and terms.
Eligibility + documentation guide reimbursements.
When reimbursement is available, it is based on eligible documented expenses, the applicable safeguard tier, and plan terms and limits.
Buyer vs Seller
Same price-based system. Different pressure points.
Direction changes the stress points. Price still determines the safeguard level.
Buyer safeguards focus on
- Inspection findings and negotiation friction
- Appraisal gaps and financing conditions
- Delays that trigger moving, storage, and timing costs
- Fraud awareness during funds transfer steps (where applicable)
Seller safeguards focus on
- Buyer cancellations, delays, and contingency pressure
- Carrying costs when timelines shift
- Re-listing disruption and momentum loss
- Legal clarity steps (where applicable) under terms
Quick answers
FAQs (plain English)
Short answers here—full details live in terms, limits, eligibility, and disclosures.
Do buyers or sellers choose a plan?
No. Safeguards are automatically determined by the listing price or sales price. There is no plan selection and no upsell.
Is Realty Guardian insurance?
No. Realty Guardian® is not an insurance provider. Benefits and reimbursements (if offered) are subject to eligibility requirements, documentation, plan limits, and plan terms.
Are safeguards only for failed closings?
No. Safeguards are designed to address multiple transaction risks, including issues that can occur during the process. Some reimbursements may apply only in specific scenarios defined by the terms.
Where do I see price brackets and specific covered items?
On the Buyer Safeguards and Seller Safeguards pages (by price), plus the Terms & Conditions and Disclosures pages.
Next step
See safeguards by transaction price.
Start with the page that matches your transaction direction. You’ll see how safeguards scale by listing price or sales price—clearly and transparently.
Benefits and reimbursements (if offered) are subject to eligibility requirements, documentation, plan limits, and plan terms. Realty Guardian® is not an insurance provider.