For Canadian home sales
Keep more cash on hand when you buy. Protect yourself from unexpected costs when you sell.
What are you doing?
Home Closing Insurance
Already accepted a firm offer? You can still get covered if closing is more than 15 days away.
Already firm? You can still apply if closing is 15+ days away.
Get a Home Closing Insurance quote Continue a saved quoteDepositGuard Surety
Keep your cash free for your down payment and closing costs. A surety, backed by an A-rated insurer, stands in for your cash deposit. The seller has to agree to it.
Get a DepositGuard quote Continue a saved quote
Each product covers a different moment in a real estate deal. Use one, or use both.
For buyersDepositGuard Surety
DepositGuard lets eligible home buyers provide a surety instead of a cash deposit when they make an offer. More of your money stays free for your down payment, closing costs and move.
From $250, charged only if the seller's side accepts. The seller must agree to a surety.
For sellersHome Closing Insurance
If your buyer delays or fails to close on a firm sale, Home Closing Insurance can pay your legal costs, advance the deposit and, depending on your plan, cover carrying costs and a lower resale price.
From $349. Most sellers pay $349 to about $1,300, once.
When a buyer doesn't close, the deposit is usually held in trust until the dispute is settled. That can take months, and it may not cover the seller's full losses.
For real estate professionals
From protecting a home sale to keeping more cash available when making an offer, give your clients more ways to handle the financial risks of buying and selling a home.
Become a SecureMyOffer partner for free. Offer Home Closing Insurance and DepositGuard Surety, give eligible clients $50 off Home Closing Insurance, and stand out in listing presentations.
“Highly recommend! The team at SecureMyOffer helped me provide my clients with added security during the sale of their property.”
From the court decision in Kisliuk v. Algai, 2023 ONSC 1841. Read the case
SecureMyOffer was founded by Morgan Girouard, an insurance executive, after a buyer failed to close on his home.
He and his wife faced $150,000 in unexpected costs while trying to move into their next home, with no insurance to protect them.
He built SecureMyOffer so other sellers would have that protection. It's based in Orléans, Ottawa.
As featured in the Ottawa Business Journal. More press
Tell us whether you're buying, selling or helping a client, and we'll walk you through it. Answers come from our product wording, and you can leave your details whenever you're ready.
Still curious? See every question or call 1-833-766-2329.
Yes, if your closing date is more than 15 days away. Apply soon after your sale goes firm: the quote checks your dates in about a minute.
DepositGuard lets eligible buyers provide a surety, a guarantee backed by an insurer, instead of a cash deposit. Your cash stays free for the down payment, closing costs and the move. The seller must agree to accept it, and if you don't close, you repay the surety for what it paid the seller.
You can pursue the buyer for your losses, but the deposit is usually held in trust until the dispute is settled, which can take months. Home Closing Insurance can pay legal costs, advance the deposit and, depending on coverage, cover carrying costs and a lower resale price, subject to policy terms and limits.
DepositGuard Surety starts at $250, and Home Closing Insurance starts at $349. Your final price depends on home value, coverage selected and other applicable terms. Home Closing Insurance is a one-time payment, made before the policy is issued, with no deductible and no renewals. Your quote confirms your exact price.
In every Canadian province and territory except Quebec. Each product has its own eligibility rules: see Home Closing Insurance eligibility and DepositGuard eligibility.
Home Closing Insurance and DepositGuard Surety are underwritten by Accelerant Insurance Company of Canada, rated A by AM Best. SecureMyOffer is the Managing General Agent, and policies are brokered by Oasis Insurance Brokers (Ontario Lic. #3750).
Yes. A licensed real estate professional must be involved in your transaction. If you don't have one, we can help connect you with a SecureMyOffer partner in your area.
No obligation. Pick the quote that matches what you're doing.
