We score the property risk.Then we tell you who's still writing it.
Flood, fire, wind, earthquake, and crime — scored from federal data. Carrier appetite — mapped to the ZIP. Cost-to-insure — quoted in the report. All in 90 seconds, before the deal closes.
Trusted by 500+ real estate professionals across 38 states — agents, brokers, lenders & insurers
How it works
Property risk → Carrier availability → Quote
Three steps. One platform. Built so agents, brokers, lenders, and insurers never get blindsided by a deal-killing insurance issue again.
Property Risk — Done Right
Composite risk scoring from FEMA flood maps, USGS earthquake zones, NOAA wind/hail history, Cal Fire & USFS wildfire data, and FBI crime stats. One score, five hazards, sourced from federal data — not a black-box vendor model.
Carrier Availability — In That ZIP
State Farm, Allstate, and Farmers have pulled out of California, Florida, and Texas. We map carrier appetite to the exact ZIP and risk profile — so you know who is still writing before you waste a quote request. Updated continuously.
Quotes & Cost-to-Insure
From address lookup to a binding-ready quote in 90 seconds. CoverGuard turns the risk score and carrier list into an estimated annual premium and a one-click quote request — so the deal team knows the cost-to-insure before any offer is signed.
How It Works
From address to insured — in minutes
CoverGuard fits directly into your existing workflow — whether you're buying a home, closing a deal, approving a loan, or writing a policy.
Enter Any Property Address
Before your client makes a move, run the check. Enter any U.S. address to instantly pull property details and match them against CoverGuard's federal and state risk database.
Get a 90-Second Risk Report
CoverGuard pulls from FEMA flood maps, USGS seismic data, NOAA wind and hurricane risk, Cal Fire severity zones, and FBI crime stats — all in one multi-peril report in under 90 seconds.
See Which Carriers Are Still Writing
Check the real-time carrier dashboard for that specific ZIP code and risk profile. Know exactly which insurers are actively binding policies — and which ones have exited the market.
Request a Binding Quote
Send a quote request directly to active carriers on the platform. No more calling around. Go from insurability check to binding quote request in one workflow — before the offer is signed.
Built for every role in real estate
Home Buyers
Buying a home? Check property risks and insurance availability before you make an offer. Start free — your first 3 reports are on us.
Residential Agents & Brokers
Run a pre-offer insurability check on every listing. Stop deals from falling through at the closing table because of insurance surprises.
CRE Agents & Brokers
Evaluate commercial property risk, environmental exposure, and carrier availability for commercial deals — before investor due diligence.
Lenders
Verify insurability before loan commitment. Eliminate last-minute closing delays caused by properties that can't secure adequate coverage.
Insurance Brokers
Pre-qualify inbound leads, screen portfolios for risk exposure, and integrate CoverGuard risk data into your underwriting workflow via API.
Investors
Interested in investing?
We're building the data infrastructure layer for property insurance decisions. If you're interested in learning more about investment opportunities, we'd love to hear from you.
investor@coverguard.io
Stop losing deals to insurance surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard puts the insurability check where it belongs — before anyone signs on the dotted line.
Whether you're a home buyer, agent, broker, lender, or insurer — CoverGuard gives you the risk intelligence to move forward with confidence. Individuals get 3 free reports to get started.
Free to start — no credit card required. Used by 500+ professionals across 38 states.