Home Value Lock marketing visual showing the official logo

Protect Your  Home Equity

Be confident about buying now

We cover 10% of the market value for the next three years if you sell

Estimate Your Coverage

Enter the property details to see your value protection estimate.

Check your home

Add confidence to a home purchase or sale by protecting against market value change

Protecting your most important investment

Home Value Lock gives you the peace of mind you deserve by insuring the market value of your home for the first 3-years after purchase.

We cover up to the first 10% of market value loss on your home if you sell

If you need to move, whether for work or family reasons, Home Value Lock ensures that the investment you have made in your home is protected for the first 3-years against a market value drop.

Protection Against Market Value Shifts — Local to Global

Home Value Lock uses the StreetMatrix Index to track how home values change in your local area and beyond. Whether due to regional or national economic shifts, financial instability, or natural events like floods or fires, this coverage helps protect the market value of eligible primary residences.

How Home Value Lock Works

To get a quote, all you need is the home address and expected closing price.

Enter your home address and expected purchase price to get an instant quote.

Coverage starts on your closing day and protects up to 10% of your home’s value for 3 years—just in case you need to sell.

Log in anytime to view your policy, track local market trends, or connect with our team.

Where We Provide Coverage

California, Nevada, and Texas Coverage Areas

Home Value Lock is currently available to homebuyers in select California, Nevada and Texas markets in the USA.

We provide coverage for single-family, primary residences located in the following states:

  • California
  • Nevada
  • Texas

We’re growing—contact us to request coverage in your region.

Home Value Lock in the Media

MetroList Services
March 25, 2025

Home Value Lock Webinar - Presented by C.R.E.B.

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.

Read Article
PROGRESS In Lending
January 30, 2025

MetroList's Collaboration With Home Value Lock Spurs Strategic Partnerships

MetroList's partnership with Home Value Lock has boosted interest in the insurance product among real estate and mortgage companies.

Read Article
Insurance Newsnet
January 16, 2025

Home Value Lock Insurance Now Available to Stanford Mortgage Homebuyers

Sacramento-area homebuyers can protect their purchase with market value insurance.

Read Article
Yahoo Finance
December 30, 2024

Home Value Lock Insurance Now Available to Century 21's Select Real Estate Clients

Sacramento-area homebuyers can access market value insurance.

Read Article
Insurance Newsnet
November 8, 2024

Home Value Lock to Help Veterans in Sacramento Area Protect Their Home Purchase

Innovative insurance product now available to homebuyers using VA loans.

Read Article
Businesswire
September 24, 2024

Home Value Lock to Help Veterans in Sacramento Area Protect Their Home Purchase

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.

Read Article

Policy details and claims conditions: Protection, Simplicity and Transparency

  • Premium is collected as one payment for all 3-years.
  • The product provides a 3-year nonrenewable term with a limit which is the lesser of $150K or 10% of the purchase price of the home.
  • The policy requires two events in order to claim:
    1. The insured resells their home within the 3-year term.
    2. At that time the market value for that property (as defined by StreetMatrix) has gone down from the time you purchased the home.

No actual loss on the resale of the home is required.

  • This must be your primary residence in order to make a claim.
  • You must live in the house for at least 3-months before you sell it, in order to file a claim.
  • Claim amounts are calculated using the StreetMatrix Index, which reflects how similar homes in your area have performed. We can’t provide coverage for price drops that only affect a single property.
  • We don't cover distressed sales. You can't claim if you are being forced to sell your home by the bank (foreclosure) or because of other financial insolvency scenarios.

Home Value Lock coverage can only be purchase through this portal via OMT Insurance Services who are a fully licensed insurance agency. If you have any questions about coverage or claiming you should only consult with our qualified team members who can be contacted by phone, email or via your customer portal. We want you to feel confident using Home Value Lock. Reach out anytime with questions.

crossmenu