Our story
We’re not only ridiculously knowledgeable about the property insurance industry, but we’re homeowners, too. So, we built CoverGuard to answer the very first question about any real estate purchase you’re considering: “Can it be insured?”
We take hard, cold data and turn it into useful tools for both sides of the transaction. Long before a mind is made up or an offer is written, we’ll paint a painstakingly accurate picture of a property’s insurability, covering every detail and guarding against broken deals. And hearts.
What we believe
Insurability is a transaction fact
Every year deals are delayed, renegotiated, or lost because an insurance problem surfaced after the offer. That information exists before the bid. We put it there.
We route. We do not bind.
CoverGuard sends quote requests to its brokerage team, which works with licensed insurance partners. We are not an insurer, we do not bind coverage, and we do not pretend the distinction is a technicality.
Public data, shown honestly
We build on authoritative public sources — FEMA, USGS, Cal Fire, NOAA, the Census Bureau, the FBI. A CoverGuard Score is a modeled estimate, and we label it as one everywhere it appears rather than dressing a model up as a quote.
Two people, shipping
CoverGuard is a two-person company. We say so because it sets an honest expectation about how we work: directly, quickly, and with both founders reachable.
Meet the Co-Founders
CoverGuard is built and run by its two founders.
John Fredrickson
President & CEO
Licensed property & casualty producer
Two types of leaders in the world: the top-downs and the bottom-ups. And John’s sleeves are rolled up before the first team meeting of the day. With over a decade of real estate and mortgage product development and analytics for companies like Auction.com, Cloudvirga, and LightBox, he blends that experience with a foundation in operations that shapes how he not only leads, but innovates. John has built the teams, the roadmaps, the plans and the strategies with the real-world challenges of the end-user in mind and owns the full arc from concept to ship. That’s the type of ground-up leadership CoverGuard brings to this company.
LinkedIn profile for John Fredrickson (opens in a new tab)
Patrick Dickey
Chairman & COO
When a company is positioned at the intersection of innovation, market value and category transformation, someone’s got to own the process. Patrick is most comfortable when he’s operating all those levers in concert. Having spent two decades leveraging and refining insurance products and financial tools across corporate and consumer markets for carriers like Guardian Life and Ameritas, he deftly balances governance, performance and ethics for his stakeholders. Patrick brings a unique sense of humanity to an otherwise seemingly impersonal industry, creating not only a trusted network of talent, but a sense of operational zen. Because he understands that the human element is the most essential of them all.
LinkedIn profile for Patrick Dickey (opens in a new tab)Want to talk to us?
Both founders are reachable. Whether you are an agent, a lender, or an investor, you will get one of us rather than a queue.