Be confident about buying now
Up to 10% reimbursement if you sell during a market decline
Enter the property details to see your value protection estimate.
Home Value Lock is available for primary residences in CA and Reno, NV with plans to expand to AZ, UT, NM, and TX in 2026.
A one time policy is purchased at closing.
Protection begins immediately and spans your first 36 months.
Reimburses up to 10% if the market has declined.
Market change is determined by StreetMatrix Index.
Protection for the moments when life - and the market - don’t go as planned.
Home Value Lock protects you if the market moves downward between your purchase and sale date.
A downturn early in homeownership can be costly. Home Value Lock absorbs some of that risk.
If a job change, family need, or relocation forces a sale, Home Value Lock helps soften the impact.
Ideal for buyers who want added security in uncertain or fast-moving markets.
Home Value Lock provides coverage for single-family, primary residences across California and Reno, Nevada.
We’re growing—contact us to request coverage in your region.
‘Million Dollar Listing’ agent Josh Altman speaks exclusively to Fox News Digital about his new partnership with Home Value Lock, as buyers can cover up to 10% of their home purchase price if sold within three years of a market downturn.
This presentation introduces Home Value Lock, a new insurance product protecting homebuyers from market drops for three years, empowering brokers to close more deals with confident clients.
MetroList's partnership with Home Value Lock has boosted interest in the insurance product among real estate and mortgage companies.
Sacramento-area homebuyers can protect their purchase with market value insurance.
Sacramento-area homebuyers can access market value insurance.
Innovative insurance product now available to homebuyers using VA loans.
MetroList, Northern California's largest multiple listing service, has partnered with StreetWire, a real estate data and products developer, to launch an innovative insurance product, Home Value Lock.
Yes. Home Value Lock is a one-time insurance policy purchased at closing that protects you if the market declines in your first three years of ownership.
We use the StreetMatrix index — an independent, third-party benchmark that measures how market values have changed since your purchase.
Home Value Lock is available for anyone purchasing an eligible primary residence in participating states. It can be purchased by the buyer, or a seller can provide it as an added benefit to strengthen their listing. Real estate agents may also offer Home Value Lock as a way to make their clients’ homes more competitive in uncertain markets.
If you need to sell within three years and the market has declined, HVL offers reimbursement up to 10% of your insured value, up to $150,000.
Visit our full FAQ for eligibility, coverage limits, and claims information.
