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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1 free property search · No credit card required · Results in 90 seconds

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
Find out which insurance carriers are still writing in that ZIP code
Estimate what homeowners insurance will actually cost — before closing
Compare risk profiles across properties you’re considering
Catch uninsurable properties 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

Is it really free?

Every CoverGuard account starts free with 1 property search and 5 Advisor questions — no credit card required. Need more? Home Buyer Pro is $4.99/month.

How accurate is the data?

CoverGuard aggregates data from FEMA, USGS, NOAA, Cal Fire, FBI crime stats, and carrier availability data — the same data professional underwriters use.

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 carrier availability, so your agent can focus on finding the right policy, not explaining the basics.