Exclusively From GDI Insurance Agency

The Home Value Warranty product is designed to transfer the risk that your home may drop in value after you purchase it, to a third part.  That with insure a lot of homes in various states across the country. This way if one area has an issue, the others wont. We just saw this over the last few years from 2007 thru 2010 home values dropped by as much as 2/3rds or more. Next a good look back at historical math such as the Case Shiller data to determine the likely hood of loss. Followed by a go forward model. Finally we have to have someone to take the risk. Once that all happens we need to then assure that the company that takes the risk of your home dropping in value has the ability to pay you for that loss, and we have to make sure should home prices drop as they have recently done that this company can pay all the potential claims. This is accomplished by having a highly rated insurance company step in and insure the company that takes the risk for you promise. So while this is not an insurance policy, this is an agreement from a company that has bought insurance to make sure they can cover all potential claims. Home Price Protection provides coverage against the loss in market value of the insured home for up to 20% of the home’s value (based on the sale price to the home buyer at time of home purchase). If you sell your home after 3 years and before the 8th year for less than you paid for it you can be reimbursed up to 20% of the price you paid for your home. Your reimbursement is limited to:

1. 20% of the original purchase price,
2. Your actual loss after you sell your home between years 3 and 8. and
3. The decline in the Case Shiller Index for your area.

Home Value Plus, accomplishes multiple objectives for multiple parties in the home sale transaction.

For the Buyer – Home Value Warranty Price Protection provides assurance and peace of mind that if the value of the home decreases they can be made whole. Which is a considerable assurance for the buyer since the home is typically the largest single investment made by most Americans. For the Builder – Price Protection provides additional assurance to the home buyer to ease the transaction along and to provide an advantage over other builders not providing Price Drop Protection· For the Lender – Similar to the builder, the Lender is provided with a way to ease the transaction along and help induce the sale. The Plus: For Everyone – Covers the home buyer from month 7 to month 36 of home ownership should they lose their job, the plus will pay up to $1,500 per month for up to 6 month to help home buyers keep their new homes!

That is why GDI has been working since Oct of 2007 to arrange for a product backed by an A rated Insurance Company!

I believe the reason people have stopped buying homes is that they are afraid that the market value of their home will drop after they buy it, or today even that they may lose their job, and then lose the deposit paid to buy their new home. Losing your job for most Americans amounts to financial disaster! Over the past 4.5 years I have been working hard to develop a program to help builders sell homes.

There are two primary reasons still today that home buyers are reluctant to buy a home:

1. Fear that once they buy a home, the value of their home could still drop in value.
2. Fear that they might lose their job and not be able to keep their home.

The key is that our product is backed by an A rated American based insurance company. While this seems like a simple common sense point, we are the only ones that spent the time and money to make sure the home buyer was properly protected.

In Short:

1. During the first 3 years if the home buyer loses their job we will pay $1,500 per month for up to 6 months.
2. During year 3-8 if the home buyer sells their home for a loss, we will cover up to 20% of the value of the home.
   1. Example: Pay $300,000 for a home, and sell it after 3 years for $240,000. You have lost $60,000 (20% of the home value). We make home buyer whole.

GDI has made today the best time to buy a new home in the past 20 years!

”Home Value Plus and the involuntary unemployment program are provided to you by GDI Insurance Agency and administered by cynoSure Financial, Inc. The obligations of cynoSure Financial, Inc. are backed by an insurance company rated “A” by A. M. Best. The IUP is not available in New York, Texas or Oregon. Please refer to Terms and Conditions of each product for more details.” Please contact us for full disclosure of all terms and conditions of our program.

FAQ  |  Frequently Asked Questions

Q. What is Home Value Plus +?

A. Home Value Plus+ provides protection to the buyer in two forms. it protects against a new home’s market value decline and a buyer’s involuntary unemployment. Q. What are the benefits? A. The program will reimburse the homeowner up to 20% of the original sales price subject to a 5% deductible if the home is sold at a loss within years three and eight of owning the home. The program will also make up to six mortgage payments for as much as $1,500 each in the even of the buyer’s involuntary unemployment within the 36 months of buying the home. (Subject to additional terms and conditions) Q. How much does it cost? A. There is a small annual enrollment fee based on the number of subdivisions enrolled. The cost per home depends on the geographic area where the subdivision is located, it can be from 1.25% to 3.25% of the purchase price of the home. Q. How is your cost billed for the Home Value Protection? A. When you enroll in the program you simply send in the application and agreement along with the enrollment kit. This kit will have everything you need to enroll your homes into the program. Upon closing on a new home, you will fill out a simple one page form, calculate the premium and send in the check. Once this is received, the buyer of the house will receive the customer agreement directly. Q. Can buyers get Home Value Plus + on previously lived in houses? A. No. The only way anyone can get this product is to buy a new home from a builder. This will give you a leg up on competition. Q. What will it cost your buyers? A. Nothing. HVP+ is a complimentary offering to the buyer. Q. How long will the program be in effect? A. Home Value Plus is a one year term and can be renewed by the Builder every year. Also, if after six months you are no longer interested you can terminate the program without further obligation. Q. Can you buy it on specific houses or on the full subdivision? A. You must include this on every house in the covered subdivision while the agreement is in force. Q. Will it cover all of your subdivisions or one at a time? A. You can do it one subdivision at a time, or include it on all. Q. What do you need to do? A. Complete the application, estimate the number of new homes to be sold in the next 12 months, and include payment for the enrolment fee. There is a five minute application process and 24 hour approval process. Q. Who will pay in the event of a claim? A. The program administrator, CynoSure Financial, inc will pay the claim directly to the customer on behalf of an AM BEST “A” rated insurance company.  

At GDI Insurance Agency, Inc. we will do the work for you to ensure you have the best protection plan for your California business.  Not only that, but as you can see, we will go the extra mile to make sure your business is protected from the inside-out. 

Located in Turlock, CA we have offices throughout California’s Central Valley, Northern California and beyond.

To put the GDI Insurance Agency, Inc. experts to work for you, simply fill out the Protection Savings Form above or call our office today at 1-888-991-2929 to learn more about GDI’s Exclusive California  Insurance Program!