Home Buyers

Know what it costs to insure — before you make an offer

Insurance is now one of the biggest hidden costs of homeownership — and in some ZIP codes, you can't get it at all. CoverGuard gives you a 90-second multi-peril CoverGuard Record and modeled carrier availability on any US address, so you go into every showing with your eyes open.

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Can this home be insured, and what may it cost?

Modeled estimate · not bindable

On the Sample CoverGuard Record: first whether a carrier is likely to insure it, then what the required cover may cost, and, separately, what recommended cover would add. It is a modeled estimate for budgeting, not a quote: a carrier sets the premium.

Switching the scenario or adding cover needs JavaScript. What is shown is the Sample Record's answer and its required cover, and each recommended line's cost is listed.

Scenario

The Sample Record

A home that fails the insurability check (example)

Can it be insured?

Likely insurable

The Sample Record's insurability verdict, modeled from its carrier data. Only a carrier can confirm cover.

Required cover

$2,250 a year

About $188 a month

Modeled range $1,750–$2,800 a year.

Modeled estimate, not a quote and not bindable.

Homeowners$1,850 a year
Wind/Hurricane$400 a year

Recommended

Not required, but recommended for this home. What you add is shown on its own, never added into the required figure.

RecommendedAdd earthquake coverStrongly recommended due to proximity to New Madrid Seismic Zone$720 a year$500–$1,100

RecommendedAdd flood coverRecommended even though property is in Zone X$450 a year$300–$700

Recommended cover you added

None added

Moderate confidence in this estimate

Basis: Modeled for the Sample CoverGuard Record: a 2,150 sq ft single-family home built in 1995, in Springfield, IL. Priced against $375,000 of dwelling coverage (its modeled rebuild cost, not its market value) at a $1,000 deductible. FEMA flood zone X, outside the special flood hazard area, so flood cover is recommended rather than required.

How to read this estimate

Source: CoverGuard's insurance cost model, run on the Sample CoverGuard Record's hazard profile and property facts
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. A real estimate is modeled for the address you check
Classification: Modeled estimate — not a quote and not bindable
What it decides: Tells you whether a carrier is likely to insure the home, then roughly what to budget for required cover and what recommended cover would add.
Limitation: Final premiums depend on carrier underwriting, your credit and claims history, and the cover you choose. Only a carrier can confirm a premium.
When to refresh: A Record's estimate is re-modeled when you refresh it. This sample is dated; check your own address for a current one.

A real home gets the same answer in its Record. A quote request goes to CoverGuard’s brokerage team; until a carrier confirms, no premium is promised.

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Buy your home with insurance intelligence on your side

The last thing you want is to find out — two weeks from closing — that the only carrier who will write the property is quoting 3x what you budgeted. CoverGuard surfaces that risk before you're under contract.

See flood, fire, wind, earthquake, and crime risk in one Record
See which insurance carriers are likely still writing in the property’s market
Estimate what homeowners insurance may cost — before closing
Compare risk profiles across properties you’re considering
Flag properties that may be uninsurable before you waste an offer on one
Share your findings with your agent, lender, or family

Before CoverGuard

“We were a week from closing when our insurance fell through. The only carrier writing the property wanted $6,200/year — way over our budget.”

After CoverGuard

“We pulled a CoverGuard Record on every house we toured. It flagged the one in a fire zone before we even made an offer — we ended up in a home with real coverage options.”

Illustrative scenarios, not customer testimonials.

Common questions from home buyers

How do I get access?

CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day.

How accurate is the data?

Hazard data comes from public sources such as FEMA, USGS, NOAA and Cal Fire, with crime estimated from Census Bureau indicators unless FBI crime rates are available, and each source is named in your Record. Which carriers are likely writing, and what coverage may cost, are modeled estimates; a licensed carrier confirms both.

Do I need to be buying a home to use it?

No. Homeowners and renters use CoverGuard too — to audit their current coverage, prepare for a move, or understand risk in neighborhoods they’re exploring.

Will this replace my insurance agent?

No — it makes you a better client. CoverGuard arms you with the risk data and a modeled view of which carriers are likely writing, so your agent can focus on finding the right policy, not explaining the basics.