A smarter way to protect your equity.
Value Hold is home value insurance that shields you from losses if the market drops—without taking out a loan or giving up future appreciation. The process is simple, transparent, and built for peace of mind.
-
Check Your Eligibility
Tell us a bit about your home. We’ll use trusted data sources to assess your current market value—no need to have anyone visit or enter your home. -
Review Your Coverage Offer
We’ll send you a personalized coverage offer based on your home’s value. You decide whether to accept. No commitment until you’re ready. -
Activate Your Protection
If you accept, we’ll finalize your policy and lock in your Protected Value—the amount we insure against future market drops. We can even bill your mortgage escrow, so there’s no payment due at the time of activation. -
Sell on Your Terms
If you ever need to sell and the market has dipped, Value Hold covers up to 80% of the loss. You keep the upside—we’ve got the downside.
Policy is a 10 year policy, cancel anytime.
FAQs
-
Value Hold is home value insurance—a new kind of protection that helps homeowners preserve their equity when the housing market dips. If you're forced to sell your home for less than it's worth today, Value Hold steps in to cover a portion of the loss.
There are no loans, no debt, and no monthly payments. Instead of taking on financial risk, you pay a flat premium—once or over time—to lock in your home's Protected Value. You keep all future appreciation, and Value Hold only steps in if you sell for less.
-
Value Hold is insurance—not a loan or investment product. We don’t lend you money, and we don’t take a share of your home’s future value. You pay a premium, and in return, we help cover your downside risk.
There are no interest rates, no monthly payments, and no repayment required. If you never sell below your Protected Value, you’ll never need to file a claim.
-
Value Hold is currently available for:
Owner-occupied primary residences
Single-family homes, townhomes, and condos
Homes in approved states (we’re rolling out nationwide—join our waitlist for updates)
Your home doesn’t need to be newly purchased. We can offer coverage based on current value—**regardless of when you bought it**. Valuation is done remotely using trusted third-party data—**no need for in-home visits**.
We’re not currently offering policies for:
Investment properties, vacation homes, or rentals
Manufactured homes or properties over 41 acres
Homes with major unresolved legal or code issues
-
You choose how you pay for your policy:
**Lump sum:** Pay once, get 10 years of coverage
**Annual or monthly:** Pay over time, cancel anytime
**No upfront payment required:** We can bill your mortgage company through escrow
You’ll receive a quote before enrolling and can decide if the pricing works for you.
-
Most policies last up to 10 years or until you move out of the home. If you sell during that time and your home sells for less than your Protected Value, Value Hold will pay up to 80% of the loss, after applying the coinsurance.
-
Check your eligibility
Tell us about your home—we’ll assess your market value using remote data tools.Review your offer
You’ll get a personalized offer with your Protected Value and premium quote. You decide if it’s right for you.Activate your protection
Finalize your policy and lock in coverage. We can bill your mortgage servicer, so no payment is required at sign-up.
Sell on your terms
If your home sells for less than your Protected Value during the policy period, you may be eligible for a claim payout.
Ready to get started?