Frequently Asked Questions: Seller Safeguard Plans
How do I explain the value of Realty Guardian to my selling clients?
Realty Guardian Safeguard Plans give your sellers real financial protection in case something goes wrong during the sale.
I explain it this way:
➔ “The only certainty in real estate transactions is uncertainty.”
Even with the best preparation, unexpected costs or setbacks can happen. Realty Guardian shares the burden if a deal falls apart or issues arise, helping sellers avoid thousands in losses.
Specifically, the Seller Safeguard Certificate protects against:
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Appraisal Gap Protection: Financial help if the home appraises for less than the sales price.
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Holding Cost Assistance: Help covering mortgage, taxes, and utilities if the home has to go back on the market.
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Warranty Support: Covers extra costs on warranty service claims like permits, modifications, and disposal requirements related to repairs.
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Legal Defense Coverage: Post-closing protection against unexpected legal challenges related to the sale.
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Wire Fraud Protection: Financial assistance if cyber criminals target the transaction.
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Double Move Protection: If the seller is forced by transaction delays to move twice, there’s financial help to ease that burden.
I also show them the Realty Guardian Seller Safeguard Certificate, so they can see everything that’s protected — it makes the value real and tangible.
Bottom line: Realty Guardian turns unpredictable risks into manageable, shared costs, protecting your net proceeds and your peace of mind.
Can I pay for a plan and then add the client at a later point?
I wish it worked that way, but no — the Seller Safeguard Protection Plan has to be purchased for a specific client right from the start.
The reason is simple: we want every seller to have full, immediate protection the moment they need it most.
When you activate a plan, it locks in that client’s coverage for one full year — giving them real peace of mind through every twist and turn of their sale.
At the end of the year, the plan finishes and the file closes, whether or not they needed to use it.
It’s about making sure they’re protected right when life throws a curveball — not trying to catch up after it happens.
How long does the protections last?
The protection begins the moment the plan is purchased and stays active through the entire selling journey — and even beyond, while we wait to make sure no hidden issues pop up.
Each protected area, like appraisal gaps or holding costs, has its own window for making a claim (usually about 60 days from when a loss happens).
Once all those windows have closed and no more claims can come in, the plan is officially completed and the file is closed.. but no later than one year after it is issued.
In simple terms:
➡️ We stay by your side, through the highs and lows, until every chance of a loss has passed — and your sellers can truly move on with peace of mind.
Can I cancel the Seller Safeguard Plan?
Cancellation is limited to the first 21 days after the purchase. After the 21 days, there is no cancellation available. No claims can be submitted on the plan, unless the coverage is maintained. The client must also maintain their listing agreement with you and continue to the closing table for any client reimbursement claims. This helps you to maintain client loyalty when listings are expiring unsold, and need to be extended.
If cancellation is requested during the first 21 days, a Cancellation Letter of Notice will be sent to both you and your client stating that the coverage, and any potential claims, have ceased.
How are recovery payments claimed?
We make it simple and supportive. If a seller experiences a loss, they (or you, their agent) just go to the Recovery Portal — it’s linked right at the top of the Realty Guardian website.
From there, they’ll upload a few supporting documents that show what happened. Once we have the information, our team carefully reviews it and either approves the payment or personally reaches out if anything else is needed.
We work directly with the seller, agent, broker, or even institutions if necessary — whatever it takes to move things forward smoothly.
Bottom line:
➡️ Our goal is to help them recover quickly, fairly, and with as little stress as possible — because that’s what protection really means.
How long does it take to receive a recovery payment?
Most recovery payments are processed within two weeks after the necessary documents are uploaded and the claim is verified.
We work hard to move quickly because we know every dollar matters during a stressful time.
If there’s any delay — like needing a little more information — our team will personally reach out to keep everything on track.
At Realty Guardian, we don’t just promise protection — we deliver it, and we do it with care.
