Frequently Asked Questions

About Value Hold | Eligibility

Pricing & Payments | Claims & Payouts

Policy Rules | Housing Market Questions

Value Hold is home value insurance. It protects homeowners if they’re forced to sell their home for less than it was worth when they bought the policy. If the housing market drops and you sell at a loss, Value Hold helps cover the difference—providing cash to help you move forward.
You lock in your home’s value at the time you buy the policy. If you sell your home later for less than that amount, Value Hold pays out part of the difference—so you can still walk away with equity. It’s peace of mind for uncertain markets.
Not yet—but it’s coming soon. We’re finalizing regulatory approvals and preparing for launch.
Be the first to know when Value Hold is available in your state.

Value Hold is available for homeowners who live in their homes full-time. It’s currently only offered for primary residences that are owner-occupied. Homes used as rentals, vacation properties, or businesses won’t qualify.
Yes. You don’t have to be buying a new home. If you’ve owned your home for a few years or even bought it with cash, you can still qualify. We’ll use trusted valuation models to estimate your home’s value and offer you coverage based on that.
Properties like duplexes, manufactured homes, or homes larger than 1 acre aren’t currently eligible. And if your property is used for commercial purposes or has serious issues like unpaid taxes or code violations, it won’t qualify.

Pricing is simple. For a $400,000 home, you could pay a one-time fee of $4,000 for ten years of coverage. Or, if you prefer, you could pay annually (around $960 per year), or even monthly (starting at $80). These are early estimates—final pricing may vary.
Yes. Value Hold is designed to be flexible. If you're buying a new home, the premium can be bundled with your closing costs or paid through escrow like regular insurance.
Properties like duplexes, manufactured homes, or homes larger than 1 acre aren’t currently eligible. And if your property is used for commercial purposes or has serious issues like unpaid taxes or code violations, it won’t qualify.
Yes. Like most types of insurance, Value Hold policies are refundable once purchased (please see your policy for restrictions).

If you sell your home for less than the insured value, Value Hold pays you the difference—minus a small share called “coinsurance.” For example, if your policy covers $400,000 and you sell for $350,000, we’d cover 80% of the $50,000 shortfall.
To make a claim, you must have owned and lived in the home for at least a year. Your home must also be listed for sale with a licensed real estate agent on the MLS (Multiple Listing Service), and you’ll need to notify Value Hold at least 45 days before the sale closes.
In some cases, Value Hold may offer to buy your home directly, instead of you selling it on the open market. If you accept the offer, we’ll cut you a check based on fair market value and a standard commission discount.

No. If you rent your home for more than two weeks in a year, the policy is cancelled.
No. Value Hold is designed to help in regular sales. If your home goes into foreclosure, you won’t be eligible for a payout.
Yes. If a policyholder passes away, moves into long-term care, or divorces, we have provisions in place to make sure a claim can still be made—provided you notify us within the required timeframes and follow normal listing procedures.

Yes. The policy is designed to protect against major market drops. Even if prices fall significantly, you’re still insured for the amount you locked in when you bought your policy. We’ve even tested how the product would have performed during the 2008 crisis—and it held up well.
If you're buying a new home, we’ll use your closing documents and appraisal. If you already own your home, we use automated valuation models from trusted sources to get a fair and accurate estimate.

When Value Hold launches, you’ll be able to sign up through your title company, mortgage servicer, or directly on our website. We’ll guide you through the process, whether you’re buying a home or insuring one you already own.
We’ll ask for basic information about your property, proof that it’s your primary residence, and—depending on how long you’ve owned it—either a recent appraisal or permission to access automated valuation tools.

Want to be the first to know when Value Hold is available in your state? Sign up and we’ll notify you as soon as we launch.