Abstract: A method is disclosed for insuring the future value of real property (defined as real estate property) and a means to do so which creates a quantitative risk profile and premium value that allows insurance companies the opportunity to price the cost and risk offering this type of insurance product entails. The insurance is offered once the potential policyholder completes an application that contains information about both the property and the potential policyholder. The insurance provider than computes a premium cost associated with that policy. The policyholder then selects the length and type of coverage they want. The insurance then goes into effect and the insured future value is then paid to the policy holder if the insurance is activated as long as the policyholder has kept current on the payment of the premium.