Your goal: see your home the way a buyer will — its flood, fire, wind and crime risk, its risk-adjusted value, and which carriers actually write it — before you list, so insurance never surprises your sale.
New to CoverGuard? Do Getting started first (signup, terms, navigation). This guide is your first-week playbook as a seller.
Who this is for
You own a home and you're preparing to sell or list it. A buyer (and their lender) will pull an insurability and hazard picture of your home during due diligence — this gets you that same picture first, so you can price, position, and answer questions with confidence instead of getting caught out at the insurance step.
What your workspace looks like
As a Seller you get the same lean, consumer-friendly set of tabs a buyer does — it's the same core data, read from the other side of the transaction:
- Search — look up your home (or any address).
- Property — your saved homes and Records.
- Automations — your out-of-the-box CoverGuard Agents, included and on by default: put a
home-watch agent on your listing so you're alerted the moment its risk or carrier availability shifts. Pause, retune, or add your own anytime.
- Toolkit — calculators and lookups: mortgage (to model a buyer's payment),
property tax, HOA, schools, walkability, insurance side-by-side, inspection checklist, and more.
Plus the CoverGuard Advisor on the right of every page. You won't see the professional CRM, deals pipeline, or client tools — those are for agents, mortgage pros, and insurance brokers.
Your first week
"Do next" adapts to where you are. While you're still getting set up it leads with the one setup step that unlocks the most — running your first property check, then the others in order. Once you're up and running it switches to live alerts on its own. You never have to configure it, and it never leaves you with nothing: when genuinely nothing needs you, it says so and offers a property to check.
1. Check your home the way a buyer will
Go to Search, type your address, and read the Record top to bottom. Focus on:
- Overall risk + cost to insure at the top.
- Which carriers are binding and their indicative premium — proof coverage is
available.
- Insurability — is this an easy place to insure, or a hard one?
Full walkthrough: Reading a CoverGuard Record.
2. See how risk moves your home's value
The Record's risk-adjusted valuation shows how hazard exposure and insurability pressure move your home's value — the same lens a buyer's lender will apply. Use it to price and position the listing with real numbers.
3. Record your current home & policy
In the Toolkit (the "My Current Home & Insurance" tool) or Account → My Home, enter your home and current hazard policy — you can upload the declarations page as a PDF and let the AI extract the fields. Now you can track your carrying cost while the home is listed and give a buyer a concrete insurance figure when they ask.
4. Save your home and let an agent watch it
Save your home to your watchlist, then activate a home-watch CoverGuard Agent (Automations) so you're alerted if its flood zone, wildfire tier, or carrier availability shifts while it's on the market. See Saving & comparing and CoverGuard Agents.
5. Get your listing talking points from the Advisor
Ask the CoverGuard Advisor "How do I explain this flood zone to a buyer?" or "What's the strongest insurability point about my home?" and get plain-English talking points grounded in your Record. See CoverGuard Advisor.
Free tier limits
Free accounts get 1 property search and 5 AI interactions lifetime — enough to run your own home once and try the Advisor. To re-check as the market moves, use the calculators freely, and activate agents, upgrade on /pricing. If you hit a cap you'll see a proactive usage prompt.
Tips
- Lead with insurability. "Coverage is available here, from these carriers" is a
selling point — surface it before a buyer's financing stalls at insurance.
- The numbers are decision support, not a binding quote. They carry a "Modeled
estimate" basis; confirm final terms with a carrier.
- Take a Record to buyers or your agent — share a Record link so everyone's working
from the same picture. Snapshot share links stay live for 90 days.
Common seller questions
See Search & Records troubleshooting and Billing & plans. Quick hits:
- "No carriers showed up for my home." — The area may be genuinely hard to place, or
risk data is still computing. Re-check in a moment and read the insurability note — it's better to know now than at closing.
- "Premiums say 'Modeled estimate'." — That's expected: they're modeled from risk
data, not a live carrier feed. Use them to set expectations, not as a final bill.
- "I used up my free search." — Free tier is 1 search lifetime; upgrade to continue.
Home Seller Pro is $4.99/month (5 full Records a month, risk-adjusted valuation, shareable disclosure reports). See /pricing.
- "My Record stopped showing insurance costs and the valuation." — Home Seller Pro
includes 5 full Records each calendar month (each distinct property you pull counts once — re-opening a property you already pulled this month is always free and stays a full Record). Past 5 new properties, additional Records show the free preview until your allowance resets on the 1st.
Do this next
Run your own home through Search and read its Record top to bottom — that's the fastest way to know what a buyer will find, and to fix or explain it before you list.