Because even many financially sophisticated homeowners will find direct participation in derivative markets too daunting, the next stage in the development of real estate risk management will be to create suitable retail products. For example, the derivative markets should create an environment that encourages insurers to develop home equity insurance, which insures homeowners not just against a bust but also against drops in the market value of the home.
由于即使是许多具备金融知识的私房拥有者也会对直接参与衍生品市场望而生畏，所以开发不动产风险管理的下一步将会是创造合适的零售产品。例如，衍生品市场应该营造一种环境，鼓励保险公司开发房产股票保险。该险种不但对投保人进行破产保险，也针对房产市场价值的下跌提供保险。如果将这样的险种作为已有险种的附加险，那么它们对于私房拥有者应该是颇具吸引力的。