An insurer insures a real estate investor against a market devaluation of real property. A Shelter Value is established in the insurance contract either by the purchase price or an initial appraisal of the real property. If the real estate investor sells the property at a market loss, the insurer reimburses the client the difference between the Shelter Value and the sale price of the property. The insurer is protected against fraudulent, negligent, or bad faith conveyances by establishing within the contract a means for determining a Maximum Reimbursable Loss according to a Final Market Value of the home. If the sale price is greater than the Shelter Value, no indemnity is paid the client. If the sale price is below the Shelter Value but above the Final Market Value, the client is awarded the difference between the Shelter Value and the sale price. If the sale price is below the Final Market Value, the Maximum Reimbursable Loss that can be paid as an indemnity is the difference between Shelter Value and the Final Market Value. The Final Market Value can be determined by a Terminal Appraisal of the property at the time of the sale, or alternatively, by the equation Final Market Value=Shelter Value?ASFV2/ASFV1) where ASFV2 and ASFV1 are respectively the Average Square Foot Values of similar property at the time of sale and the time of purchase of the client' s property.