From hazard report to realcarrier quotes & pricing.
CoverGuard's AI reads 12+ authoritative hazard sources for any U.S. property, finds the carriers that will actually write the risk, and pulls back live quotes and pricing — turning a flood, fire, wind, earthquake & crime report into a path to coverage. And every number shows its work.
All 50 states · 500+ professionals · agents, brokers, lenders & insurers · first search free
Data-source, carrier, and professional counts are CoverGuard figures, current as of June 2026. Quotes and pricing are indicative estimates; bindable quotes are issued by licensed carriers.
Connecting the hazard report to actual carriers — and pricing
Other tools stop at the risk score. CoverGuard turns it into coverage: the Advisor carries the hazard profile all the way to live carrier appetite, real quotes, and a price.
Hazard report
AI reads 12+ authoritative sources — FEMA, USGS, NOAA, Cal Fire, FBI and more — into one explainable flood / fire / wind / quake / crime profile.
Live carrier appetite
That profile drives straight into which carriers are actively writing the risk right now — no re-keying, no guessing appetite.
Real quotes & pricing
CoverGuard requests live quotes and pulls back indicative pricing, then routes the bindable request to the licensed carrier.
Bold intelligence. Boring, auditable numbers.
The Advisor explains, synthesizes and recommends. The scoring engine underneath is deterministic, sourced, and reconstructable for any regulator. Almost no platform has both.
See how the AI is governedExplains, compares carriers, drafts outreach — never sets price, binds, or decides insurability of record.
12+ public sources, explicit logic, reason codes, full audit trail. No black box.
How it works
From address to answer in three steps
Risk, carrier availability, and cost to insure — in one place, so a deal never gets blindsided by an insurance surprise at closing.
Score the risk
One insurability score from 12+ public sources — FEMA, USGS, NOAA, Cal Fire, FBI, and more. Every hazard, sourced and auditable. No black-box model.
Find who’s still writing
See which carriers are actively binding in that exact ZIP and risk profile — so you know who will quote the property before you waste a request.
Get the cost to insure
Turn the score and carrier list into an estimated premium and a one-click quote request — so you know the cost to insure before any offer is signed.
Who it’s for
Built for every role in the deal
Whether you’re buying a home, closing a deal, approving a loan, or writing a policy, CoverGuard fits the way you already work.
Home Buyers
Check property risks and carrier availability before you make an offer. Your first search is free.
Residential Agents & Brokers
Run a pre-offer insurability check on every listing so deals don’t fall through at the closing table.
CRE Agents & Brokers
Evaluate commercial risk, environmental exposure, and carrier availability before investor due diligence.
Lenders
Verify insurability before loan commitment and eliminate last-minute closing delays.
Insurance Brokers
Pre-qualify inbound leads and pipe CoverGuard risk data into your underwriting workflow via API.
Why CoverGuard
The only platform that does all three — nationally.
Risk-data vendors serve carriers, not the transaction. Quote-and-bind tools skip the risk. CoverGuard joins risk, live carrier writing-status, and binding workflow in one place.
All 50 states. Day one.
National from launch. Other agent-facing insurability tools roll out one state at a time.
12+ public data sources.
FEMA, USGS, NOAA, Cal Fire, USFS, FBI, ASCE 7, Esri Living Atlas. Sourced, auditable, no black-box ML.
Risk + carrier + quote. One workflow.
Risk-score vendors stop at the score. Quote platforms stop at the quote. We deliver the whole chain.
Two portals, one record.
Buyer’s agent, listing agent, and the buyer all work from the same property record.
From hazard report to bound coverage — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the hazard report, finds the carriers actually writing the risk, and pulls real quotes & pricing — before anyone signs on the dotted line.
Free to start — no credit card required. Available in all 50 states.