The largest financial risk in your life has never been diversified.
70% of household net worth. One property. One ZIP code. Harry Markowitz solved this in 1952 for equities. Home Diversification solves it for the home you live in.
Every other financial risk in your life is diversified. Your home is not.
- Your Pension
- Your savings
- Your home
Markowitz showed in 1952 that this is inefficient. Home Diversification is how you fix it.across thousands of holdings.
- FOR EXISTING HOMEOWNERS
- FOR EXISTING HOMEOWNERS
- FOR EQUITY OWNERS
THE FOUNDATION
The only financial protection designed specifically for the risk that standard homeowners insurance was never built to cover: the geography of your home.
No Refinance Required
Existing homeowners enroll without changing their mortgage. No closing costs, no new lender, no disruption.
Protection Against Local Decline
If your market falls below the national pool return, Home Secure pays you the difference when you sell.
Your Home, Your Occupancy
You retain full ownership and all rights of occupancy. Nothing about how you live in your home changes.
$44,000 in Risk-Adjusted Value
On a $300K home over 15 years. The capitalized value of eliminating idiosyncratic price risk.
| Structure | Down Payment | Annual Credit Loss | vs. Conventional |
|---|---|---|---|
| Price-Diversified — Base | 0% | 5 bps | -83% |
| Price-Diversified — Base | 3% | 3 bps | -90% |
| Price-Diversified — GFC Stress | 0% | 25 bps | -14% |
| Conventional Prime or Baseline | Avg. | 29 bps | — |
Publication pending
Available to institutional visitors on request
Expected annual loss zero-down, diversified
Home Diversification brings together recognized leaders in real estate finance, mortgage markets, risk management, and academic research. Our leadership team combines decades of industry experience with peer-reviewed scholarship to develop innovative solutions that address one of the most significant financial challenges facing homeowners today.
