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.
11+ public sources · All 50 states. Day one. · No black box
Data-source and coverage counts are CoverGuard figures, current as of September 2026. Carrier availability and cost figures are modeled estimates; bindable quotes are issued by licensed carriers.
Sample 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 record improved 6 points.
Illustrative record for a sample address. Real records are built from FEMA, USGS, NOAA, Cal Fire, FBI and other public sources; the CoverGuard Score and any cost figures are modeled estimates.
Built for the closing table — brokerages · independent agents · mortgage lenders · portfolio investors
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 in that ZIP
- What coverage should cost, before you bid
Free to start · $4.99/month for more
Get a recordBrokers & 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, FBI, and more. Every hazard, sourced and auditable. No black-box model.
Find who’s still writing
See modeled carrier availability for that exact ZIP 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 know the cost to insure before any offer is signed.
The score travels
One number every party at the table already trusts.
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. 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.
From the CoverGuard Record to bound coverage — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the CoverGuard Record, models which carriers will write the risk, and pulls back indicative pricing with a quote request — before anyone signs on the dotted line.
Free to start — no credit card required. Available in all 50 states.