A method for protecting against a loss in market value of real property includes providing a computer having a computer processor and modeling, using the computer processor, events to determine an expected future market value for the real property. The method also includes defining a premium amount for a policy to protect against a loss defined by a difference between a market value of the real property at a predetermined time and the expected future market value and determining, using the computer processor, the market value of the real property at the predetermined time. The method further includes determining, using the computer processor, that the loss has occurred and thereafter, covering the loss.