https://www.securemyoffer.com/about2026-11-020.6 https://www.securemyoffer.com/accessibility2026-11-020.3 https://www.securemyoffer.com/agent-toolkit2026-11-020.7 https://www.securemyoffer.com/blog2026-11-020.8 https://www.securemyoffer.com/claims2026-11-020.7 https://www.securemyoffer.com/complaints2026-11-020.4 https://www.securemyoffer.com/contact2026-11-020.7 https://www.securemyoffer.com/depositguard2026-11-020.9 https://www.securemyoffer.com/faq2026-11-020.7 https://www.securemyoffer.com/home-closing-insurance2026-11-020.9 https://www.securemyoffer.com/2026-11-021.0 https://www.securemyoffer.com/learn2026-11-020.8 https://www.securemyoffer.com/licensing2026-11-020.3 https://www.securemyoffer.com/press-and-news2026-11-020.6 https://www.securemyoffer.com/press-news/bcaa-com-media-centre-2026-bcaa-securemyoffer2026-11-020.5 https://www.securemyoffer.com/press-news/securemyoffer-offer-your-clients-confidence-when-it-matters-most2026-11-020.5 https://www.securemyoffer.com/press-news/the-financial-risk-nobody-talks-about-when-you-sell-your-home2026-11-020.5 https://www.securemyoffer.com/press-news/why-real-estate-is-the-last-major-transaction-without-a-safety-net2026-11-020.5 https://www.securemyoffer.com/privacy2026-11-020.3 https://www.securemyoffer.com/professionals2026-11-020.8 https://www.securemyoffer.com/real-stories2026-11-020.7 https://www.securemyoffer.com/surety2026-11-020.6 https://www.securemyoffer.com/terms2026-11-020.3 https://www.securemyoffer.com/watch/depositguard2026-11-020.8 https://www.securemyoffer.com/watch/home-closing-insurance2026-11-020.8 https://www.securemyoffer.com/blog/re-listing-after-failed-sale-canada2026-10-280.6 https://www.securemyoffer.com/blog/dependent-purchase-risk-home-sellers-canada2026-10-280.6 https://www.securemyoffer.com/blog/deposit-surety-bond-canada2026-10-280.6 https://www.securemyoffer.com/blog/home-closing-insurance-cost-canada2026-10-280.6 https://www.securemyoffer.com/blog/closing-protection-toolkit-real-estate-agents2026-10-280.6 https://www.securemyoffer.com/blog/protect-sale-proceeds-buying-and-selling-at-once2026-10-280.6 https://www.securemyoffer.com/blog/insured-offer-canada-buyers2026-10-280.6 https://www.securemyoffer.com/blog/when-your-buyer-wont-close-a-canadian-sellers-options2026-10-280.6 https://www.securemyoffer.com/blog/the-real-cost-of-a-failed-home-closing-in-canada2026-10-280.6 https://www.securemyoffer.com/blog/bridge-loans-and-buyer-default-what-happens-to-your-financing2026-10-280.6 https://www.securemyoffer.com/blog/deposit-held-in-trust-failed-sale-ontario2026-10-280.6 https://www.securemyoffer.com/blog/what-is-tarion-warranty-new-construction-canada2026-10-280.6 https://www.securemyoffer.com/blog/what-does-waiving-conditions-mean-buyers-canada2026-10-280.6 https://www.securemyoffer.com/blog/new-agents-stand-out-closing-protection2026-10-280.6 https://www.securemyoffer.com/blog/explain-buyer-default-risk-seller-clients2026-10-280.6 https://www.securemyoffer.com/blog/time-of-the-essence-real-estate-contract-canada2026-10-280.6 https://www.securemyoffer.com/blog/introduce-closing-protection-listing-presentation2026-10-280.6 https://www.securemyoffer.com/blog/specific-performance-canadian-real-estate-sellers2026-10-280.6 https://www.securemyoffer.com/blog/what-happens-to-deposit-home-deal-falls-through-canada2026-10-280.6 https://www.securemyoffer.com/blog/explain-home-seller-closing-insurance-first-time-buyers2026-10-280.6 https://www.securemyoffer.com/blog/what-is-a-firm-deal-canadian-real-estate2026-10-280.6 https://www.securemyoffer.com/blog/how-much-deposit-house-canada2026-10-280.6 https://www.securemyoffer.com/blog/home-seller-closing-insurance-vs-cmhc-mortgage-insurance-why-sellers-need-both2026-10-280.6 https://www.securemyoffer.com/blog/the-ontario-buyer-default-crisis-what-every-home-seller-needs-to-know-in-20262026-10-280.6 https://www.securemyoffer.com/blog/protect-real-estate-deals-defaulting-buyers2026-04-100.6 https://www.securemyoffer.com/blog/how-realtors-can-add-value-by-protecting-clients-from-closing-risk2026-10-280.6 https://www.securemyoffer.com/blog/first-time-buyer-closing-risks-in-canada-20262026-10-280.6 https://www.securemyoffer.com/blog/whats-the-difference-home-seller-closing-insurance-vs-title-insurance2026-10-280.6 https://www.securemyoffer.com/blog/home-seller-closing-insurance-in-canada-everything-you-need-to-know2026-10-280.6 https://www.securemyoffer.com/blog/what-real-estate-agents-should-do-when-a-buyer-fails-to-close-a-step-by-step-action-plan-for-agents-when-buyers-miss-closing-day2026-10-280.6 https://www.securemyoffer.com/blog/delays-in-closing-real-estate-what-buyers-and-sellers-risk-and-who-pays2026-10-280.6 https://www.securemyoffer.com/blog/how-to-protect-your-real-estate-commission-when-a-buyer-defaults-in-canada2026-10-280.6 https://www.securemyoffer.com/blog/what-happens-when-a-buyer-backs-out-of-a-home-sale2026-10-280.6 https://www.securemyoffer.com/learn/what-is-home-closing-insurance2026-11-020.7https://www.securemyoffer.com/assets/video/what-is-home-closing-insurance.jpgWhat is home closing insurance?Home closing insurance protects a home seller financially when the buyer delays closing or doesn't close at all. The seller is the insured party. If the buyer delays, carrying costs are advanced through the wait. If the buyer defaults, it covers the shortfall, legal fees and the cost of selling a second time. Policies start at $349, all-in, and you don't pay until the deal is firm.https://www.securemyoffer.com/assets/video/what-is-home-closing-insurance.mp4782026-11-02yes https://www.securemyoffer.com/learn/can-i-make-an-offer-without-a-cash-deposit2026-11-020.7https://www.securemyoffer.com/assets/video/can-i-make-an-offer-without-a-cash-deposit.jpgCan I make an offer on a home without a cash deposit?Yes, if the seller accepts it. DepositGuard Surety from SecureMyOffer is a surety bond that can replace all or part of your cash deposit, so you keep your cash until closing instead of borrowing against a line of credit or withdrawing investments. For example, instead of $10,000 held in trust, it could be one charge of $250 plus tax, with good credit and income and savings verified. You don't pay until your offer is accepted.https://www.securemyoffer.com/assets/video/can-i-make-an-offer-without-a-cash-deposit.mp4782026-11-02yes https://www.securemyoffer.com/learn/when-do-i-pay-for-home-closing-insurance2026-11-020.7https://www.securemyoffer.com/assets/video/when-do-i-pay-for-home-closing-insurance.jpgWhen do I pay for home closing insurance?You pay for home closing insurance once, when your sale is firm, and it must be at least 14 days before closing. You can get a free quote any time and get pre-approved to hold your rate for 90 days. There's no payment at listing or while you negotiate. Policies start at $349, all-in.https://www.securemyoffer.com/assets/video/when-do-i-pay-for-home-closing-insurance.mp4462026-11-02yes https://www.securemyoffer.com/learn/what-happens-if-my-buyer-is-late-closing2026-11-020.7https://www.securemyoffer.com/assets/video/what-happens-if-my-buyer-is-late-closing.jpgWhat happens if my buyer is late closing?If your buyer is late closing, you keep paying the mortgage, property taxes and utilities on a home you thought was sold, and possibly a second mortgage too. Delays are more common than defaults. Home closing insurance covers a delayed closing as well as a default: your carrying costs are advanced through the wait.https://www.securemyoffer.com/assets/video/what-happens-if-my-buyer-is-late-closing.mp4482026-11-02yes https://www.securemyoffer.com/learn/doesnt-the-buyers-deposit-protect-me2026-11-020.7https://www.securemyoffer.com/assets/video/doesnt-the-buyers-deposit-protect-me.jpgDoesn't the buyer's deposit already protect me?Not the way most sellers think. If a buyer fails to close, the deposit sits in a trust account and only comes out by mutual consent or a court order, which commonly takes 6 to 18 months, and it may not come to you. It rarely covers carrying costs, legal fees or a lower re-sale price. Home closing insurance covers the seller when the loss happens.https://www.securemyoffer.com/assets/video/doesnt-the-buyers-deposit-protect-me.mp4532026-11-02yes https://www.securemyoffer.com/learn/home-closing-insurance-vs-title-insurance2026-11-020.7https://www.securemyoffer.com/assets/video/home-closing-insurance-vs-title-insurance.jpgHow is home closing insurance different from title insurance?Title insurance protects ownership: liens, survey issues and fraud on title. It does nothing if your buyer delays or defaults between the firm offer and closing day. Home closing insurance covers that gap: carrying costs, legal fees and the re-list shortfall, up to 20% of the sale price to a maximum of $250,000, depending on the coverage selected.https://www.securemyoffer.com/assets/video/home-closing-insurance-vs-title-insurance.mp4462026-11-02yes https://www.securemyoffer.com/learn/doesnt-cmhc-insurance-protect-the-seller2026-11-020.7https://www.securemyoffer.com/assets/video/doesnt-cmhc-insurance-protect-the-seller.jpgDoesn't CMHC insurance protect the seller?No. CMHC mortgage insurance covers the lender if the borrower defaults on their mortgage payments. It pays nothing to a seller whose buyer fails to close, so carrying costs, re-listing and legal fees fall on the seller. Home closing insurance is the product that covers the seller when a buyer delays or defaults.https://www.securemyoffer.com/assets/video/doesnt-cmhc-insurance-protect-the-seller.mp4492026-11-02yes https://www.securemyoffer.com/learn/can-i-sue-a-buyer-who-doesnt-close2026-11-020.7https://www.securemyoffer.com/assets/video/can-i-sue-a-buyer-who-doesnt-close.jpgCan't I just sue a buyer who doesn't close?Yes. Canadian courts can order a buyer to complete the purchase, called specific performance, but most sellers end up chasing money damages through lawyers and court timelines, from a buyer who may not have the money. With home closing insurance, SecureMyOffer advances funds to your lawyer's trust account and takes on the pursuit of the defaulting buyer.https://www.securemyoffer.com/assets/video/can-i-sue-a-buyer-who-doesnt-close.mp4432026-11-02yes https://www.securemyoffer.com/learn/can-a-buyer-include-home-closing-insurance-with-their-offer2026-11-020.7https://www.securemyoffer.com/assets/video/can-a-buyer-include-home-closing-insurance-with-their-offer.jpgCan a buyer include home closing insurance with their offer?Yes. It's called an insured offer: the buyer adds a SecureMyOffer home closing insurance policy to their offer, at their own cost, to show they'll close. The seller is still the insured party, so the coverage protects the seller, and the offer is stronger for it. Policies start at $349, all-in.https://www.securemyoffer.com/assets/video/can-a-buyer-include-home-closing-insurance-with-their-offer.mp4372026-11-02yes https://www.securemyoffer.com/learn/does-the-seller-have-to-accept-depositguard2026-11-020.7https://www.securemyoffer.com/assets/video/does-the-seller-have-to-accept-depositguard.jpgDoes the seller have to accept DepositGuard?The seller, or the builder, decides whether to accept DepositGuard. DepositGuard Surety is a surety bond that can replace all or part of a cash deposit, so it can also be combined with a smaller cash deposit. The listing side accepts the bond online in minutes, and you don't pay until your offer is accepted.https://www.securemyoffer.com/assets/video/does-the-seller-have-to-accept-depositguard.mp4432026-11-02yes https://www.securemyoffer.com/learn/how-to-bring-up-home-closing-insurance-in-a-listing-presentation2026-11-020.7https://www.securemyoffer.com/assets/video/how-to-bring-up-home-closing-insurance-in-a-listing-presentation.jpgHow do I bring up home closing insurance in a listing presentation?Start by naming the question every seller is thinking: what happens if the buyer delays or doesn't close? Ask it out loud, then introduce home closing insurance as an option, not a sales pitch. Refer coverage questions to the licensed insurance broker, and remind sellers they don't pay anything until the deal is firm.https://www.securemyoffer.com/assets/video/how-to-bring-up-home-closing-insurance-in-a-listing-presentation.mp4502026-11-02yes https://www.securemyoffer.com/learn/is-my-commission-protected-if-the-buyer-defaults2026-11-020.7https://www.securemyoffer.com/assets/video/is-my-commission-protected-if-the-buyer-defaults.jpgIs my commission protected if the buyer defaults?With home closing insurance, it can be. The seller is the insured party and the agent's commission is one of the seller's covered costs. If the buyer defaults, half is advanced and the rest is paid when the home re-sells. The seller doesn't pay anything until the deal is firm.https://www.securemyoffer.com/assets/video/is-my-commission-protected-if-the-buyer-defaults.mp4372026-11-02yes