Home Value Safeguard (HVS) is an innovative new insurance policy. It is was developed by San Diego-based insurance underwriting and marketing firm, The Ward Group, LLC. This policy is designed to protect homeowners and mortgage lenders.

The HVS was launched with a strategy to distribute the policy throughout the residential real estate market. This policy will serve as a compliment to a title policy, homeowners insurance, and/or a home warranty policy. The issue revolves around the potential disastrous effect on the value and future marketability of properties caused by unforeseen rezoning, redevelopment and eminent domain decisions by governmental agencies, is another concern amongst home buyers in the United States.