The insurability record for any U.S. address
Every address has an insurability record.
Flood maps that were redrawn, carriers that stopped writing the ZIP, and what coverage costs today — readable before the closing table, not three days after you are under contract.
No address handy? See a Sample Record
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Request access.
11+ public sources · All 50 states. Day one. · No black box
Data-source and coverage counts are CoverGuard figures, current as of November 2026. Carrier availability and cost figures are modeled estimates. Quotes and final pricing come from licensed carriers.
Illustrative record
1400 W Cypress St, Tampa FL
2024FEMA remapped this parcel
Zone X → AE. Flood insurance became a lender requirement.
2025Two carriers stopped writing 33602
Both stopped taking new business in the ZIP within one quarter.
2026One re-entered the ZIP
Appetite reopened. The Score rose from 3 to 4.
Illustrative record for a sample address. Real records are built from FEMA, USGS, NOAA, Cal Fire, the Census Bureau, the FBI and other public sources; the CoverGuard Score and any cost figures are modeled estimates.
Read a full Sample RecordBuilt for the closing table — brokerages · independent agents · mortgage lenders · portfolio investors
Check an address, read the Record
A walkthrough on the Sample CoverGuard Record: the address, the answer its Record gives, then your own address. The data is illustrative and nothing is looked up until you continue.
Step 1 of 3
Check an address
You type a U.S. property address, and CoverGuard checks it against 11+ public hazard, property and carrier sources. Here, the walkthrough uses the Sample CoverGuard Record’s address, so nothing is looked up and nothing counts against a plan.
Sample address
742 Evergreen Terrace, Springfield, IL 62704
On the Sample Record
- Source
- The address as typed, matched to one property before anything is checked
- Date
- Checked at the moment you submit it.
- Geographic resolution
- One property
- Classification
- Illustrative sample — this address belongs to no real property
- What it decides
- Every answer in the Record is about this one property.
- Limitation
- This walkthrough looks nothing up. It shows the Sample CoverGuard Record.
- When to refresh
- A Record is created once and checked again when you refresh it.
Step 2 of 3
What the Record tells you
The Record states five things, separately, then which carriers are likely to write the property. For the Sample CoverGuard Record:
- CoverGuard Score
- 6 of 10
- Score band
- Workable
- Decision statement
- This property should be straightforward to insure.
- Evidence confidence
- Moderate confidence
- Data condition
- Data out of date. Everything expected resolved, but this Record is past its own refresh horizon. Refresh it before relying on the figures below.
- Carrier availability (modeled)
- 4 of 4 carriers checked are modeled as writing in this market. A modeled estimate: not a quote, and not bindable.
On the Sample Record
- Source
- 11+ public hazard, property and carrier sources, each named in the Record's evidence
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- The property itself for hazard data; the state market for carrier availability
- Classification
- Observed, derived and modeled — carrier availability is modeled
- What it decides
- The CoverGuard Score and its band are the answer; the decision statement says what to do with it.
- Limitation
- Modeled carrier availability is not a quote. Only a carrier can confirm it will write a policy, and at what premium.
- When to refresh
- Every fact shows its age. Anything older than 180 days is marked for review.
Step 3 of 3
Create Record for your own address
What happens when you check your own address:
- Ask for an invitation. CoverGuard is in Private Preview, so a new account starts with one, and your address is kept with the request.
- Sign in, or create your account.
- Search opens on your address.
- CoverGuard creates the CoverGuard Record, with every fact dated and sourced.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day.
Request accessStep 1 of 3: Check an address
How a CoverGuard Record works
Four steps, shown on the Sample CoverGuard Record: create it, share it, refresh it, act on it. The data is illustrative and every figure is labelled observed, derived or modeled.
Step 1 of 4
Check an address, and CoverGuard creates the Record
Type a US address. CoverGuard checks it against public hazard, property and carrier sources and creates a CoverGuard Record. Each Record states five things, separately:
- CoverGuard Score
- one figure from 1 to 10 for how insurable the property is.
- Score band
- the word that goes with the figure, such as Workable or Difficult.
- Decision statement
- what the answer means for your next step.
- Evidence confidence
- how strong the evidence behind the answer is.
- Data condition
- how current and complete the underlying data is.
On the Sample Record
- Source
- 11+ public hazard, property and carrier sources, each named in the Record's evidence
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- The property itself for hazard data; the state market for carrier availability
- Classification
- Observed, derived and modeled — each fact in the Record is labelled with its own
- What it decides
- The CoverGuard Score and its band are the Record's answer; the decision statement says what to do with it.
- Limitation
- This is the Sample CoverGuard Record: illustrative data for a property that is not real.
- When to refresh
- Every fact shows its age. Anything older than 180 days is marked for review.
Step 3 of 4
Refresh Record when things change
Conditions change. A carrier leaves a market, or a flood map is revised. Refresh Record checks the sources again and dates every fact, so you can see what moved since you last looked.
On the Sample Record
- Source
- The same sources, checked again
- Date
- Each fact is re-dated when it is checked again.
- Classification
- Observed, derived and modeled — each fact keeps its own label
- What it decides
- A changed fact can move the CoverGuard Score, its band or the decision statement.
- Limitation
- A refresh is only as current as its sources. Some public datasets update once a year.
- When to refresh
- Refresh before an offer, and whenever a Record is older than 180 days.
The Sample CoverGuard Record is fixed illustrative data, so it is never refreshed.
Step 4 of 4
Act on it: request a quote
When the answer is workable, request a quote from the Record. The request goes to CoverGuard’s brokerage team, who take it to carriers active in that market.
It is a request, not a quote. Nothing is bindable, and no premium or coverage is promised, until a carrier confirms it.
On the Sample Record
- Source
- CoverGuard's modeled carrier availability for the property's market
- Date
- Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
- Geographic resolution
- The state market, not the individual property
- Classification
- Modeled estimate — not a quote
- What it decides
- Shows which carriers are likely to consider the property, so the request goes where it can be placed.
- Limitation
- Only a carrier can confirm it will write a policy, and at what premium.
- When to refresh
- Carrier appetite changes often. Refresh Record before you request a quote from an older one.
A quote request needs a Record of a real property. The Sample CoverGuard Record's property is not real.
Step 1 of 4: Check an address
Two ways in
Pull one record, or run ten thousand.
Buying, or already own
Get the record on one address.
- The full insurability record for one address
- Modeled carrier availability for that market
- What coverage should cost, before you bid
Private Preview · request access to start
Request accessBrokers & agencies
Run the engine across your book.
- Whole-book monitoring against a moving market
- Co-branded client records
- Bulk screening and API
Priced per seat
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 CoverGuard Score from 11+ public sources — FEMA, USGS, NOAA, Cal Fire, the Census Bureau, the FBI, and more. Every hazard, sourced and auditable. No black-box model.
Find who’s likely still writing
See modeled carrier availability for the property’s state market and risk profile — so you know who is likely to 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 see an estimated cost to insure before any offer is signed.
The score travels
One number every party at the table can read.
The CoverGuard Score rides along on the listing, the flier and the lender’s file — so insurability stops being the surprise that kills a deal three days before closing.
- Embeds on MLS listings
- Shareable link and PDF
Embeds, co-branded records and shareable links are part of the broker plans.
See a Sample Record$742,000
1400 W Cypress St, Tampa FL 33602
3 bd · 2 ba · 1,840 sqft
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.
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
Check insurability before loan commitment, and avoid last-minute closing delays.
Insurance Brokers
Pre-qualify inbound leads and pipe CoverGuard risk data into your underwriting workflow via API.
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.