Frequently Asked Questions: Agent Safeguard Plans

It’s best to purchase your Agent Safeguard Plan as soon as you sign a buyer agency or sign a listing agreement.

Plans must be active before any issues arise — you can’t buy a plan after a problem has already occurred.

Think of it like coverage for your hard work: you have to be covered before the storm hits, not after.

Each plan lasts for one full year from the date of purchase, covering you across all transactions tied to that plan.
You’ll have up to 60 days after a loss event to upload any necessary documents and request a recovery payment.

It’s a full year of peace of mind — protecting your time, income, and reputation.

No — each plan is tied to a specific client relationship and their transaction.

You can recover eligible expenses if a covered loss happens with that client.

One plan, one client, one transaction — full protection for the journey you’re taking together.

They are purchased separately, but yes — they can absolutely work together for greater protection.

The Client Plan protects your client’s risks, while the Agent Plan protects you.

Together, it creates a powerful safety net for both sides of the transaction.

It’s a win-win — more confidence for your client and more security for you.

It depends on the situation — but that’s exactly why the Agent Safeguard Plan exists: to protect your time, marketing efforts, and out-of-pocket expenses when deals fall through.

You’re eligible to claim recovery for your covered losses — as long as you meet the plan requirements and submit the needed documentation within the deadlines.

Here’s how it works:

1. When the Agent Plan is assigned to a Buyer:
The plan protects you when representing a specific buyer.

• If the buyer signs a purchase contract, but the deal cancels after at least 35 days without closing and no commission is or will be earned,

• You are eligible to receive the lump sum recovery payment based on the plan level you selected (Silver, Gold, or Platinum).

2. When the Agent Plan is assigned to a Seller (Listing Agreement):
The plan protects you when listing a specific property for a seller.

• If you have a signed listing agreement of 120 days or longer,

• And the property does not sell during the listing period,

• And the seller chooses not to relist the property with you,

• You are eligible to receive the lump sum recovery payment based on your chosen plan.

Bottom Line:
➡️ Realty Guardian stands behind your work — even when the deal doesn’t make it to the finish line. We believe your time and effort deserve real protection.

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,

Cancellation is only allowed within 21 days of purchase, provided no claim has been submitted.

After 21 days — or once a claim is filed — the plan is non-cancelable and non-refundable.

It’s a commitment to your protection — once activated, we’re with you until the very end.

Each plan tier (Silver, Gold, Platinum) offers a different maximum recovery limit.

For example, the Gold Plan can reimburse a higher percentage of your eligible losses than the Silver Plan.

Coverage includes areas like:

• Time & Expense payouts if a deal fails, or listing expires,

• Partial E&O deductible recovery if you face a claim,

• Post-closing legal expense support for disputes.

The higher your plan, the stronger your financial shield.

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 services.