Systems and methods for implementing real estate future market value insurance

A system of protecting real property against a loss of expected future market value, comprising:

• at least one subsystem that determines conditions that affect real property values in a geographic region where the real property is located;
• at least one subsystem that creates a model of the conditions to determine the effect each condition has on real property value over time;
• at least one subsystem that applies the model to a present fair market value of the real property;
• at least one subsystem that determines the expected future market value of the real property at a future date, wherein the expected future market value represents an increase over the present fair market value;
• at least one subsystem that determines the loss to be an amount by which an actual market value of the real property on the future date is less than the expected future market value;
• and
• at least one subsystem that issues an insurance policy to cover the loss in the event that the real property is conveyed in an arm's length transaction on or after the future date.

A system of protecting real property against a loss of expected future market value, comprising:

• at least one subsystem that models conditions that have a statistical effect on real property values in a geographic region;
• at least one subsystem that applies the modeled conditions to the real property to determine a distribution curve of the expected future market value of the real property at a future date, wherein the expected future market value represents an increase over a present fair market value;
• at least one subsystem that determines a premium associated with a policy to protect against the loss based on a selected expected future market value along the distribution curve;
• at least one subsystem that determines an actual market value of the real property at the future date, wherein the actual market value of the real property at the future date is less than the expected future market value for the real property at the future date;
• at least one subsystem that determines that the loss has occurred at the future date, wherein the loss is equal to the actual market value of the real property at the future date less the expected future market value at the future date;
• and
• at least one subsystem that covers the loss at the future date in the event of a conveyance of the real property.