A method of reducing the risk to a Vendor of a First House that the Vendor of the First House' will have to pay the Monthly Carrying Costs associated with the First House in the event that the First House is not sold within an acceptable predefined or determinable period of time, comprising the steps of calculating the Monthly Carrying Costs associated with the First House, establishing a Minimum Acceptable Price for the sale of the First House, calculating the likelihood that the First House will not be sold at or above the Minimum Acceptable Price during the acceptable predefined or determinable period of time and calculating the likely length of time required to sell the First House at or above the Minimum Acceptable Price, calculating the potential claim exposure of having to pay the Monthly Carrying Costs after the acceptable predefined or determinable period of time until the First House is sold at or above the Minimum Acceptable Price, calculating a premium to be charged to the Vendor, the Vendor entering into an agreement with a Third Party, wherein the Vendor agrees to pay the premium, and the Third Party agrees to pay the Monthly Carrying Costs associated with the First House in the event that First House is not sold within the acceptable predefined period of time and until such time as the First House is sold at or above the Minimum Acceptable Price.