Patent ID: 7890403

Claim:
A method for protecting a person against a loss with respect to an expected future market value of real property prior to or at a predetermined time in the future, the method comprising: providing a processor; defining events that have a statistically relevant effect on market value over time; modeling, using the processor, the events to determine the expected future market value for the real property prior to and at the predetermined time, wherein the expected future market value represents an increase over a present fair market value; defining a premium amount for a policy to protect against the loss based on the likelihood that the real property will attain the expected future market value at the predetermined time; determining, using the processor, an actual market value of the real property prior to or at the predetermined time, wherein the actual market value of the real property prior to or at the predetermined time is less than the expected future market value for the real property prior to or at the predetermined time; determining, prior to or at the predetermined time, that the loss has occurred, wherein the loss is equal to the actual market value of the real property prior to or at the predetermined time less the expected future market value prior to or at the predetermined time; receiving a notification that the real property was conveyed in an arm's length transaction; and thereafter, covering the loss.