Guy Thomas

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Home equity insurance

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Home equity insurance, house price insurance

Home equity insurance or house price insurance protects home-owners against a decline in house prices. Housing Finance Review: Analysis and Proposals (HM Treasury, March 2008) referred to this idea.

In 1996 I wrote a paper about this idea, discussing a new type of futures contract - a 'perpetual future' - which could be useful for hedging and pricing the proposed retail products.

Some other authors have worked on similar ideas:

In May 2006, the Chicago Mercantile Exchange began trading in CME housing futures and options.