What happens to your plans if your buyer walks away?

Most sellers believe a firm offer means the hard part is over. It isn't. Buyer defaults are a measurable, fast-growing risk — and until now, there was no protection for it anywhere in Canada. SecureMyOffer covers you if your buyer delays or backs out of a firm offer.

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Built by someone who lost $150,000 when their buyer walked away

Morgan Girouard and his wife had firm offers on two properties and were days from closing on their dream home. Then a buyer defaulted. They couldn't walk away from their own purchase — defaulting would have exposed everything they'd built. So they scrambled, got a bridge loan, and pushed through.

$150,000

Lost to carrying costs, staging, price reduction, and second commission — through no fault of their own

In the months that followed, Morgan searched for an insurance product that could have protected them. What he found was that not only did no such product exist in Canada — there was nothing like it anywhere in the world. So he built it.

Ottawa Business Journal

"We built this because we lived the alternative. Every seller deserves to know this protection exists before they need it."

Morgan Girouard

CEO & Founder, SecureMyOffer

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what’s covered

Comprehensive protection if your sale falls through

If your buyer defaults or delays and your home eventually sells for less, SecureMyOffer covers the losses you'd otherwise absorb alone.

Immediate liquidity on closing day

If your buyer doesn't close, we advance a portion of your policy benefit so you're not left scrambling.

Price difference coverage

If your home resells for less than the original offer, we cover the shortfall. If it sells for more, you keep 100% of the gain.

Carrying costs

Mortgage payments, property taxes, and utilities during the gap until your home is sold again.

Staging & re-listing costs

The cost of staging, photography, and the second round of real estate commission on your resale.

Legal fees

Legal costs associated with pursuing the defaulting buyer and managing the transaction fallout.

Apply within 10 days of a firm offer

The process is straightforward, and the premium is a fraction of a single month's carrying costs.

Up to policy limits. Refer to your policy or contact us for additional details.

SecureMyOffer is a registered insurer (RIBO #27872), and underwritten by the Accelerant Insurance Company of Canada.

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