Eligibility & Limits
Clear rules. No confusion.
Realty Guardian® safeguards are designed to provide meaningful support during real transactions. This page explains how eligibility works, what documentation is typically required, and why limits exist. Safeguard levels are price-based (listing price or sales price)—there is no plan selection or upsell.
Quick summary
Eligibility usually comes down to 3 things
- Right transaction: you’re working with a Guardian Agent and the transaction meets the program criteria
- Right event: the safeguard item applies to what happened (example: fraud attempt, legal counsel need, failed closing, etc.)
- Right proof: documented expenses and required details are provided
The full eligibility rules and limits are always defined in the official plan terms and disclosures.
Eligibility
When a safeguard may apply
Safeguards are designed to address multiple real-world transaction risks (for buyers and sellers), including issues that can happen during the process—like wire fraud attempts—and situations that can add unexpected costs, including certain legal counsel needs, subject to terms and limits.
Transaction criteria
Eligibility depends on meeting the program criteria for the transaction and working with a Guardian Agent.
- Safeguards are price-based (listing/sales price)
- Applies to qualifying transactions under the terms
- Not every scenario qualifies
Safeguard-specific triggers
Each safeguard has defined triggers and requirements in the terms and disclosures.
- Some apply to fraud risk events
- Some apply to legal/contract complexity events
- Some apply when a transaction fails to close
Documentation required
When reimbursement is offered, documentation is required to verify eligibility and amounts.
- Receipts and invoices
- Proof of payment
- Event details (dates, parties, notes)
Plain-English rule: A safeguard is not “automatic.” It must match the situation described in the terms, and the required documentation must be provided.
Limits
Why limits exist
Limits keep safeguards fair, predictable, and consistent. Your safeguard level is determined by transaction price, and the maximum benefit amounts are defined by that price-based tier and the plan terms.
Maximums by price tier
Safeguard levels scale by listing/sales price. Higher-priced transactions qualify for higher maximum benefit limits, as defined in the terms.
- Tier is determined by home value
- Maximum amounts are not “blank checks”
- Specific limits vary by safeguard item
Exclusions & non-eligible items
Every program has exclusions. The terms define what does not qualify—so expectations stay clear and consistent.
- Some costs may be excluded entirely
- Some events may be outside program scope
- Some items require specific timing or steps
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 to address multiple transaction risks. Some reimbursements may apply only in specific situations defined in the terms (including, but not limited to, a transaction failing to close).
How is my safeguard level determined?
Your safeguard level 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 event details. Requirements vary by safeguard item and are defined in the terms.
Can you guarantee reimbursement?
No. Reimbursements (if offered) are subject to eligibility requirements, documentation, plan 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 and limits.