The AI Advisor is your always-on assistant for risk, carriers, and getting things done faster. BYOK lets you run CoverGuard's AI on your own provider key instead of the managed one.
Who this is for: Everyone gets the Advisor (every plan, every role). BYOK — running on your own provider key, with your choice of provider and model — is a Team-plan capability for companies that manage their own AI account.
The AI Advisor
Where: the panel on the right of every logged-in page (desktop), or the launcher bubble bottom-right (mobile / when minimized). It's on for every role by default.
How it answers: like a colleague, not a manual — a sentence or two by default, straight to the point. When there are a few ways to go, it gives you its top pick and a quick why rather than a wall of every option. Ask for more when you want the deep dive, and it'll expand.
It opens with your next move, not a blank box. Before you type anything, the Advisor greets you with a short, personalized read of what's worth doing right now — grounded in your real book and the page you're on. If something needs attention (a home flagged high-risk, a quote that's gone quiet, a renewal coming up), it leads with that; if all's quiet, it offers a few good next moves. The suggestions under the greeting are tailored to you (a red dot marks the urgent ones), and the "Recommended for you" list in the AI strip at the top of each page works the same way. Tap any of them to run it — it's the same as asking the question yourself. It never makes up a property, premium, or carrier: if there's nothing specific to say yet, it just offers helpful starting points.
Keep going with a tap. In the main Advisor panel, most answers end with a couple of suggestion chips — the likely next steps ("Set one up", "Show the other options", "Which schedule?"). Tap one to continue instead of typing; it's the same as asking the question yourself. (The in-context helpers — the Connect-a-System wizard and the Help Center panel — give you the same concise answers and live steps, just without the chips.)
You can see it working, step by step. When a question needs live data, the Advisor shows a little checklist of exactly what it's doing as it goes — "Pinpointing the location…", "Pulling the risk profile…", "Checking active carriers…" — each one ticking off as it finishes, so you always know it's making progress, not stuck. A quick question that needs no lookups just answers straight away. You'll see the same live steps whether you're in the app, the connector wizard, or the Help Center. (Curious how it got an answer? The tools it used are tucked in a small "Used N tools" line under the reply — expand it if you want, ignore it if you don't.)
Data comes as a table you can download. When the answer is a dataset or a field mapping — say, mapping your MLS/RESO listing fields onto CoverGuard — the Advisor shows it as a clean table with a one-click Download (CSV) that opens in Excel. For a big mapping it leads with the download and tucks the full grid behind a "Preview", so you get a file to work with, not a wall of fields.
Drafts come in a copyable card. When you ask the Advisor to write something you'll send — a client update, an outreach email, a quick message — it puts the draft in its own card below the reply, not buried in the chat. Hit Copy to grab it, or, for an email, Open in email to drop it straight into your device's mail app with the subject and body pre-filled, ready for you to review and send. CoverGuard never sends it for you — you always do.
What it can do: it's your guide to anything in CoverGuard, tailored to your plan and role. It's context-aware and agentic — it can search properties, pull risk and carrier data, and reason across your saved homes and clients — but it also points you straight to the right page for whatever you're trying to get done. Just tell it what you want. For example:
- "Is this property insurable, in plain English?"
- "Find me homes in Austin under $600k that are cheap to insure." (shop by budget)
- "Which of my saved homes is cheapest to insure?"
- "What's in my pipeline right now?" / "Which deals are about to close?"
- "Do I have any upcoming client renewals?" / "Any carrier-exit alerts I should act on?"
- "Show me my clients" / "What quote requests have I sent?"
- "How many team seats do I have available?" — it answers with the real count ("you have 3 of 5 seats open") and links you straight to Team settings to invite someone.
- "How do I upgrade my plan?" — it tells you where to change plans, or, if you're already on the top plan, says so and points you to the Help Center or our team.
- "Save this one to my list." (it does it — see below)
- "Set me up to get alerted if a carrier stops writing one of my properties."
- "How do I connect our Salesforce so insurability scores flow into Opportunities?"
- "Draft a client-ready insurability summary for this address."
It knows your own account. Ask about your stuff and it reads it directly (only ever yours, never anyone else's): your saved homes, clients, deal pipeline and stats, quote requests, open alerts (carrier exits + upcoming renewals), the reports you've run, and your team & seats (how many you have, how many are open, who's on the team). So "what needs my attention this week?" or "how many seats are left?" gets a real answer, not a pointer to a page.
Every link takes you somewhere real. When the Advisor points you at a page, it links the exact destination — invite teammates, change your plan, update notifications — so a CTA is one click to the right screen, never a vague "go to your account". It can even open a tool for you: ask "estimate my monthly payment" and it hands you a link that pops the Mortgage Calculator open on the spot. And it never leaves you at a dead end: if it can't finish something in chat, or you need a person, it points you to the Help Center and Contact us (hello@coverguard.io, or sales@coverguard.io for team plans).
It can take a few actions for you, too. When you ask, the Advisor will save or unsave a property to your list directly — the same as tapping the ★, and just as easy to undo. For anything bigger — sending a quote request, creating a digital agent, connecting an integration, or changing your team or billing — it sets you up and links you to the page to confirm it yourself, so you're always the one who authorizes it.
If something needs a higher plan or a different account type, it'll tell you plainly and point you to where to upgrade — it won't pretend a feature is there, and it won't hide one you already have. It also powers the click-saver helpers across the app — extracting policy fields from a pasted declarations page, parsing a pasted contact into a client, suggesting quote details, tailoring report copy, and more.
Start a fresh discussion whenever you want. Your conversation carries over between pages and sessions, which is usually what you want — until you switch to something unrelated and the old context is just noise. Hit the new-conversation button (the pencil-and-square icon in the Advisor header) and the panel starts clean.
Nothing is lost when you do. Resetting archives the discussion rather than deleting it. Open the clock icon next to it for Past conversations — every conversation you've reset away from, newest first, labelled with what you asked and when. Click one to read the whole transcript, then hit back or close to return to the live conversation. (If a reset ever fails, the Advisor says so and keeps your discussion exactly where it was — it never clears the panel on a reset it couldn't save.)
Minimizing sticks. Close the panel with the – button and it stays closed as you move around the app — no more re-minimizing it on every page. Reopen it any time with the Ask Advisor bubble at the bottom-right; your conversation is right where you left it. (The choice is per device, so a laptop and a phone can differ.)
Free tier: AI interactions are capped at 5 lifetime on the free tier. Upgrade to keep using it.
The Advisor is decision support and can make mistakes. For binding quotes or account changes, use the real workflows / contact support.
Bring-your-own-key (BYOK)
By default your AI runs on CoverGuard-managed AI. If you'd rather use your own provider account (so AI spend is billed to you, not counted against CoverGuard), connect a BYOK key — and choose which provider and model your team runs on.
Who this is for: BYOK is a Team-plan capability for companies that manage their own AI account. It lives with your other integration settings on the Developer tab.
Connect your key
- Sys Admin → Developer → AI & Models.
- Pick your provider — the "type of company" your key belongs to: Claude (Anthropic),
ChatGPT (OpenAI), or Gemini (Google).
- Pick your model — the specific model your Advisor and agents run on (e.g. Claude Sonnet
for balanced quality, Claude Haiku for speed and lower cost).
- Paste your provider API key. CoverGuard validates it live with that provider, then
stores it encrypted at rest (AES-256-GCM). It's decrypted only server-side at call time and is never returned by any API — you only ever see a redacted prefix.
- Once active, your own actions run on your key + chosen model; the redacted prefix, status,
and selected model show in the panel. Key-save attempts are rate-limited to blunt abuse.
Providers that run live vs. coming soon
Claude (Anthropic) runs end-to-end on your key and chosen model today. ChatGPT and Gemini are selectable and their key is validated + saved now, but execution is rolling out — until it ships, your AI runs on the CoverGuard-managed Claude account. It is never billed to your ChatGPT/Gemini key while execution is staged; the panel says so plainly.
Switch model or provider later
Change the Model dropdown any time to move your team to a different model — no need to re-enter the key. Save keys for more than one provider and use the "Use … for my AI" button to switch which one is active.
Remove your key
Delete it from the same panel to revert that provider to CoverGuard-managed AI.
Admin-provisioned keys
A CoverGuard super-admin can set up a key on your behalf from the admin console (audited, refused for admin targets) — useful for white-glove onboarding.
What always uses the managed key (not your BYOK key)
- CoverGuard super-admins always use the managed key.
- Act-as (impersonation) sessions force the managed key — a staffer viewing your account
never touches your key or spend.
- Shared/system work like report-staleness assessment and staff→user outreach drafting.
Troubleshooting
- "Your key stopped working — re-connect" → your provider rejected the key (rotated,
revoked, or out of quota). Re-enter a good key; the status flips back to active. CoverGuard auto-falls-back to the managed key so you're not stranded.
- Advisor returns 503 / agent runs FAILED → no usable AI key (managed key unset and no
BYOK). See AI & agents.
- "Try again" on saving a key → a transient provider outage means validation was
inconclusive; retry shortly (a good key is never rejected for a transient outage).
- Out of AI interactions → free tier is 5 lifetime; upgrade.
Do this next
Open the Advisor on any property and ask it, in plain English, whether the home is insurable — then, if your team is on the Team plan and would rather run on your own key, connect it under Sys Admin → Developer → AI & Models and pick your provider + model.
- Digital agents (automations) — put the same AI on a schedule
- Reading a property report — what the Advisor reasons over
- AI & agents troubleshooting