Eligibility & Limits

Clear rules. Clear expectations.

Realty Guardian® safeguards are designed to help buyers and sellers handle real-world transaction pressure across 12 defined protection areas—before, during, and (in some cases) after closing. This page explains how eligibility works, what documentation is typically required, and why limits exist. Safeguard tiers are price-based (listing price or sales price)—there is no plan selection and no upsell.

Safeguards Overview Buyer Safeguards (By Price) Seller Safeguards (By Price)
Disclosure: Benefits and reimbursements (if offered) are subject to eligibility requirements, documentation, definitions, exclusions, tier limits, and plan terms. Realty Guardian® is not insurance.

Quick summary

Eligibility usually comes down to 3 checks

  • Qualifying transaction: you’re working with a Guardian Agent and the transaction meets the program criteria
  • Defined trigger: the safeguard area matches what occurred (for example: failed closing scenario, fraud-risk event, defined post-closing legal consultation need, etc.)
  • Required documentation: the proof listed in the terms is provided (receipts, invoices, dates, and supporting details)

This page is a plain-English guide. The official plan terms and disclosures control all eligibility, definitions, exclusions, and limits.

Eligibility

When a safeguard may apply

Safeguards are designed for more than one moment. Some apply during the transaction (inspection, appraisal, financing friction). Some apply in high-risk windows (like funds-transfer steps where fraud attempts can occur). And some may apply after closing (such as defined post-closing legal consultation protections), all as defined by the plan terms and subject to limits.

Qualifying transaction

Eligibility starts with the transaction meeting program criteria and being handled by a Guardian Agent.

  • Safeguard tier is price-based (listing/sales price)
  • Applies only to qualifying transactions under the terms
  • Not every scenario or cost will qualify

Defined safeguard triggers

Each safeguard area has specific “triggers” and requirements. The terms define what must be true for it to apply.

  • Some apply to failed-closing scenarios
  • Some apply to fraud-risk events (including wire fraud exposure)
  • Some apply to defined post-closing legal consultation protections

Documentation required

When a benefit is offered, documentation is required to verify eligibility and amounts under the terms.

  • Receipts and invoices
  • Proof of payment
  • Event details (dates, parties, and supporting notes)

Plain-English rule: Safeguards aren’t “automatic.” A benefit must match a defined situation in the terms, and the required documentation must be provided.

Limits

Why limits exist

Limits keep safeguards fair, predictable, and consistent across transactions. Your safeguard tier is determined by transaction price, and maximum benefit amounts are defined by that tier, the safeguard area, and the plan terms.

Maximums by price tier

As transaction values increase, safeguard tiers increase. Maximums and category limits are defined by the terms.

  • Tier is determined by listing/sales price
  • Maximums are not blanket coverage
  • Limits can vary by safeguard area

Exclusions & non-eligible items

Exclusions keep expectations clear. The terms define what does not qualify and what steps/timing are required.

  • Some costs may be excluded entirely
  • Some events may be outside program scope
  • Some items require specific timing or steps

Practical takeaway: This isn’t “pay anything, anytime.” It’s a defined safeguard system: eligibility, documentation, and limits keep it consistent and understandable.

Common questions

Eligibility & limits (FAQ)

Plain answers here—official definitions live in the plan terms and disclosures.

Are safeguards only for failed closings?

No. Safeguards are designed across defined protection areas that can matter before, during, and (in some cases) after closing. Some benefits may apply only in specific scenarios defined in the terms.

How is my safeguard tier determined?

Your safeguard tier is price-based and determined by the listing price or sales price (as defined by the program). There is no plan selection or upsell.

What documentation is usually required?

Documentation may include receipts, invoices, proof of payment, dates, and supporting event details. Requirements can vary by safeguard area and are defined in the terms.

Can you guarantee reimbursement?

No. Benefits and reimbursements (if offered) are subject to eligibility requirements, documentation, definitions, exclusions, tier limits, and plan terms. Realty Guardian® is not insurance.

This page provides general guidance. The official plan terms, disclosures, and any required forms control eligibility, definitions, exclusions, and limits.