Real Estate Agents
The insurance check your clients deserve — before they make an offer
Carrier appetite is shifting market by market, and a home that was easy to insure last year may not be this year. CoverGuard tells you — in 90 seconds — the modeled carrier availability for your client's next property, in all 50 states, before the offer goes in.
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Your workflow on one listing
Four steps on the Sample CoverGuard Record: the same order you work a deal in. Carrier availability is modeled and not bindable; a quote request goes to CoverGuard’s brokerage team.
Step 1 of 4
Check the listing before your client writes an offer
One address gives you the answer to bring to the conversation: what the Record decides, what to do next, and how many carriers are modeled as writing in the market.
- Decision statement
- This property should be straightforward to insure.
- Next step the Record recommends
- Price this estimate into your offer
- Carriers modeled as writing
- 4 of 4 checkedModeled estimate. Not a quote and not bindable.
- Data condition
- Data out of dateEverything expected resolved, but this Record is past its own refresh horizon. Refresh it before relying on the figures below.
- Source
- The Sample CoverGuard Record's hazard profile, carrier slate and decision rules
- 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
- One property; carrier availability for its state market
- Classification
- Observed, derived and modeled — hazard sources are observed; the decision and carrier view are derived and modeled
- What it decides
- Tells you whether to raise insurance with your client before the offer, not after it.
- Limitation
- A sample Record. Your client's property gets its own answer.
- When to refresh
- Refresh a Record older than 180 days before you rely on it.
Step 3 of 4
Review the evidence before you repeat a finding
Every peril names the public source behind it and when it was read, so you can answer “says who?” before your client asks.
| Peril | Level | Source | Read |
|---|---|---|---|
| Flood | LowModeled estimate | FEMA National Flood Hazard Layer | 2024-12-01Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current. |
| Wildfire | LowModeled estimate | USFS Wildland-Urban Interface / Cal Fire FHSZ | 2024-12-01Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current. |
| Wind | ModerateModeled estimate | Design wind speed estimated from ASCE 7-22 maps by state and latitude / NOAA Coastal Flood Hazard Composite | 2024-12-01Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current. |
| Earthquake | HighModeled estimate | USGS Seismic Design Maps (ASCE 7-22) | 2024-12-01Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current. |
| Crime | ModerateModeled estimate | Demo data — illustrative crime estimate | 2024-12-01Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current. |
- Source
- The public source named on each row (FEMA, USFS, ASCE/NOAA, USGS, Census Bureau/FBI)
- 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’s mapped location; crime estimated for its area from Census Bureau indicators, or at its reporting agency where FBI rates are available
- Classification
- Observed, derived and modeled — sources are observed; each level is modeled from them
- What it decides
- Tells you which finding is solid enough to repeat, and which needs a fresh look.
- Limitation
- A peril level is one input to the CoverGuard Score, not the Score, and not an underwriting decision.
- When to refresh
- A source older than 180 days is shown with its age. Refresh the Record before you rely on it.
Step 4 of 4
Request a quote for your client
From the Record, send a quote request to CoverGuard’s brokerage team. They take it to carriers active in that market. A carrier decides whether to offer cover and at what premium; until one confirms, nothing is promised.
The Sample CoverGuard Record cannot be quoted. A quote request is made from a Record of your own.
Step 1 of 4: Check the address
Win more deals by knowing more, sooner
Insurance surprises kill deals. CoverGuard puts the insurability intelligence in your hands before you write the offer — so you can close with confidence.
- Get a full insurability assessment — not just hazard risk, but whether the property is likely coverable
- See modeled carrier availability for the property’s state market and risk profile before you write the offer
- Catch flood, fire, seismic, wind & crime risks — and see whether each is likely coverable
- Send a quote request to CoverGuard’s brokerage team from the same platform
- Share a professional, branded Client Report PDF with your clients
- See the CoverGuard Score on every property — back where Zillow stopped showing one
- Works on any US property — residential & commercial. All 50 states. Day one.
Before CoverGuard
“We’re three days from closing and the buyer just found out a carrier won’t write the property. Deal is dead.”
After CoverGuard
“I ran the insurability check before we made the offer. Two carriers were likely writing — we went in knowing roughly what coverage would cost.”
Illustrative scenarios, not customer testimonials.
Property Insurability Intelligence
Other tools score the hazard. We score the coverage risk.
Most risk platforms stop at hazard scores — flood zone, fire severity, seismic exposure.CoverGuard goes further: every risk assessment includes an insurability verdict, which tells you how likely it is that coverage can be placed, before your client makes an offer. It's not just "is this property in a high-risk zone" — it's "how likely is it that this property can actually be covered?"
When you run a CoverGuard check, you see modeled carrier availability for the property's state market and risk profile, whether adequate coverage is likely available at all, and what a realistic premium may look like. That's the difference between a risk score and insurability intelligence — and it's the information that protects your deal before you're too deep to walk away.
Start protecting your deals today
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day.
Insurance broker or agency rather than a real-estate agent? See CoverGuard for brokers.