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See the full risk, cost-to-insure, carrier, and valuation picture for one property — without a subscription. Pay once, unlock that Record, and get a free year of the Buyer plan with it.
Who this is for: Home Buyers and Sellers who only need to check one or two addresses right now. Where: the Record itself (/properties/[id]). Time: ~1 min.
Why this matters
CoverGuard's full Record — insurance cost, which carriers are actively writing, and the risk-adjusted value — is normally a subscription feature. If you're evaluating a single home before you bid, a monthly plan can be more than you need. Buying one Record unlocks the full picture for that address only, for a flat one-time price, with no recurring charge — and your first purchase also includes a free year of the Buyer plan, so the next homes you look at are covered too.
Before you start
- You need a free CoverGuard account and to be signed in — the purchase is tied to your account so you (and only you) can come back and see it later.
- The property must already show its details and insurability band — that part is always free. The purchase unlocks the Record itself: each hazard scored with the evidence behind it, why the property is insurable or isn't, the modeled insurance cost, the carrier list, and the risk-adjusted value.
How to buy a Record
- Open the property's Record (search for the address, or open it from your saved properties). See Property search if you haven't found the address yet.
- If you don't have a paid plan, you'll see a "Buy this Record" banner near the top, showing the current price. On a home buyer's or seller's Record there's also a "See the full Record — $49" button inside the Do this next card — it's the same purchase.
- Select either one. You're taken to a secure Stripe checkout page — CoverGuard never sees or stores your card details.
- Complete the payment. You're taken to your Records list, where the property is saved for you and highlighted as Just purchased. Open it to see the full Record.
What you'll see / What it means
Your Records list usually shows the property within a few seconds — while the payment confirms, a note says it's being added, and the list checks again on its own. If it's slow, the note links you straight to the Record, which unlocks as soon as the payment is confirmed.
Once payment is confirmed, the note on your Records list links you straight to the full Record — the professional view of the home, with your own summary on top. From the Record, Back to your summary returns you to the four-section view, and See the full Record brings the full one back.
Once payment is confirmed, the Record shows every section: cost to insure, which carriers are writing in the market, and the risk-adjusted valuation — the same content a subscriber sees for that property. Where carrier availability is modeled rather than confirmed from a live feed, the carriers section says so (Carriers modeled for this market, with a Preview tag) — confirm which carriers are actually writing with a licensed agent or by requesting quotes. This access is for this one property only and doesn't expire; it stays unlocked on your account.
Your free year of the Buyer plan. Your first purchase also starts one free year of the Buyer plan, running 365 days from the day you pay. For that year you can open full Records on other homes too, up to the plan's monthly allowance, and your account page shows "Included free until" the end date. It ends on its own — nothing is charged unless you choose to renew it from your account. The free year is once per account: a second purchase after it ends unlocks that property but doesn't start another year. The free year comes with purchases made from a home buyer or seller account; if the offer doesn't mention it, your purchase doesn't include one. If you turn renewal back on, your account page says so: the year then converts to a paid plan on its end date unless you cancel. Switching to a higher plan (Pro or Team) during the year ends the free year and starts billing for the plan you chose. See Teams, seats & billing for what the plan includes.
Every insurance and valuation figure on the Record is a modeled estimate — decision support, not a binding quote or an appraisal. Confirm final terms with a carrier before you rely on them for a purchase decision.
If your payment doesn't go through — a declined card, or you close the checkout page before finishing — nothing is charged and the Record stays locked. You'll see a short note confirming no charge was made, and you can try again any time from the same banner.
Tips
- Already on a paid plan — including your free year? You won't see the purchase banner: every paid plan includes full Records, so there's nothing to buy. If your plan's monthly allowance is used up, the Record tells you so, and new properties open in full again when it resets on the 1st. See Teams, seats & billing.
- Checking several homes in the same search? A subscription is usually the better value once you're past two or three properties — see
/pricingto compare plans.
Troubleshooting / Common questions
- "I paid, but the property isn't highlighted in my Records yet." → Give it a few seconds — the list checks again on its own until your payment is confirmed. If it still isn't there, use the note's link to open the Record directly. If that's still locked after a refresh, the payment may not have completed — check your email for a Stripe receipt, then contact
support@coverguard.iowith the property address. - "It says my plan already includes the full Record." → You have a paid plan (or your free year is active), so there's nothing to buy — refresh the Record and it opens in full.
- "Can I get a refund?" → Contact
support@coverguard.io. Once a refund is processed, that property's Record reverts to the free view — the property details and the band, without the Record behind them — and the free year of the Buyer plan that came with it ends too. - "I bought the wrong property's Record." → Purchases are per-property and can't be transferred to a different address; contact support about a refund.