Frequently Asked Questions: Buyer Safeguard Plans

Only Guardian Partners are authorized to purchase Safeguard Plans. There are three common ways to handle payment:

1. You Cover the Cost – Many Guardian Partners choose to provide the plan at no cost to their clients as a value-added service. This reinforces your commitment to protecting their financial security and builds lasting trust.

2. Included in Your Standard Services – Most Guardian Partners automatically include the basic Silver Plan as part of their service package. It offers real-dollar protections that support your full commission structure, with reasonable confidence there will be no pressure to reduce your fee.

3. Cost-Sharing with the Client – For higher-tier plans, you can offer to split the cost with your client. In most cases, agents recover their plan portion from the buyer at the closing table, with full disclosure upfront. Since the legal protections continue beyond closing, clients see lasting value.

No matter the approach, a small investment in protection often leads to larger rewards: stronger client loyalty, higher trust, and a reputation as a Guardian Partner who truly safeguards every transaction.

Not quite. Realty Guardian plans are tied to a specific client at the time of purchase. Coverage starts immediately once the plan is issued and remains active for up to one year, based on the terms of use and claim submission guidelines.

To ensure full protection, it’s important to enroll your buyer when they’re ready — not before. Once the coverage window closes, the plan is considered completed and the file is archived.

Best practice: Secure the plan at the start of the agency relationship or no later than the required period — within three days of a signed purchase contract, so your client has maximum protection throughout the transaction.

Coverage begins immediately at the time of plan purchase and remains active until all claim periods have expired. Each protected area has specific time limits for filing a claim, typically within 60 days of the loss event.

Once all claim periods are closed — or at a maximum of one year from the purchase date — the protection plan is considered completed and the file is officially closed.

Claims are submitted through the Recovery Portal, which is linked at the top of the Realty Guardian website.

For buyer claims, specific supporting documents must be uploaded to verify the loss. Once all required documentation is received, our team will review the claim and either issue payment or contact the appropriate party — you, your buyer, the broker, or the institution involved — if any additional documentation or clarification is needed.

Cancellation is permitted within the first 21 days after purchase. If canceled during this window, a refund credit will be issued.

After 21 days, the plan is non-cancelable. No cancellation is allowed if a claim has already been submitted, and no future claims can be made unless the plan remains active.

Additionally, your client must maintain an active buyer agency agreement with you and complete the purchase process at the closing table for any reimbursement claims to be honored.

If a cancellation request is made within the 21-day period, a Cancellation Notice Letter will be sent to both you and your client, confirming that coverage — and any future claim rights — have been officially terminated.

Recovery payments are typically processed within two weeks after all required documents have been uploaded and the claim has been verified.

At Realty Guardian, we prioritize fast and fair processing. Our goal is to complete every verified request quickly, keeping your clients’ trust and delivering the protection we promised — without the long delays often associated with traditional claim-styled services.