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Keep every policy on a home you're monitoring — homeowners, umbrella, flood, wind, and more — in one place, each with its own carrier, premium, coverage, and documents, so you always know what's actually covering the property.
Who this is for: Home Buyers and Sellers tracking their own home, and Agents tracking a client's current coverage. Where: Account → My Home (buyers & sellers), or a client record's insurance section (agents). Time: ~3 min.
New here? Do Getting started first (signup, terms, navigation).
Why this matters
Most homes aren't covered by a single policy. You might carry a homeowners policy plus a separate umbrella, a standalone flood or wind policy, or a dwelling-fire policy on a rental. Tracking them together gives you the full picture — total annual premium, every renewal date, and each policy's coverage limits — so nothing lapses and you can compare a new property against everything you already pay.
Before you start
- Gather your policy documents — declarations pages, endorsements, flood, umbrella, whatever you have (PDF or a photo works). You don't have to sort them; you can add them all at once and let CoverGuard do the sorting.
How to add your policies
The fastest way is to let CoverGuard read your documents and build the policies for you — you don't pick a type or decide "is this a new policy?"
- Open Account → My Home (buyers & sellers) or your client's record (agents), and enter the home's address. Start typing the street address and pick it from the suggestions that appear — city, state, and ZIP fill in for you, so there's no risk of a typo pointing CoverGuard at the wrong property. No suggestion, or don't see the right one? Keep typing — every field stays a normal text box you can fill in by hand.
- Under Policies on this home, choose Upload & auto-detect policies and add all your documents together — homeowners, flood, umbrella, endorsements.
- CoverGuard reads every document, sorts them into separate policies, classifies each one's type, attaches its supporting document(s), and fills in the carrier, premium, deductible, coverage limit, and renewal it can read. Your home's address is filled in from the documents too, if it was blank.
- Review. Each detected policy appears in the list. Open one to check or correct anything — the type, the numbers, or which documents belong to it.
- Save.
Prefer to do it by hand? Add a policy manually creates a blank policy you fill in yourself, and every field stays editable — so you can always correct what the AI detected or add a policy you have no document for.
What you'll see / What it means
Your identified policies show up as a tidy list you can view two ways — Table (a compact row per policy) or Rows (a card per policy) — using the toggle at the top of the section. Each policy starts minimized so several policies read at a glance; open one to see and edit its full detail. A short summary rolls them up — how many policies you're tracking and your total annual premium across all of them.
Every policy keeps its own renewal date, so you can see exactly what's coming up and when. Each policy with a renewal date gets its own reminder: a bell notification and an email 30 days before it renews, and again at 7 days. If several land on the same day, you get one email listing them all, at 7am your time. Don't want the emails? Turn off My Home renewal reminders in Account → Notifications; the bell notification still arrives.
Your documents are stored privately — links to them are short-lived and generated only when you open them, so a policy PDF is never left on a public URL. Premiums and coverage you enter are your own figures; anything the platform models elsewhere is a modeled estimate (decision support, not a binding quote).
Tips
- Drop everything in at once — CoverGuard groups a declarations page with its endorsements into one policy, and splits a bundle that lists several policies into several. Just review the result.
- Always give a moment to the detected type and numbers before saving. Detection is a head start, not the last word — the type sets the coverage-limit label (dwelling for homeowners, each-occurrence for umbrella, building for flood) and keeps renewal reminders accurate.
- Already have a policy in the list? Open it and use Auto-fill with AI to re-read that one policy's document.
- Add the annual premium if you want Savings Finder. It's optional — nothing else needs it — but it's the one number Savings Finder works from to show, in dollars, which upgrades could lower the bill, on every plan. Saved a home that's linked to a property but has no premium? A Savings Finder needs the annual premium note appears under your policies; click Add annual premium and it opens the first policy with the cursor in the premium field. See What CoverGuard watches for you.
- Agents: track a client's full policy set here so you can show, side by side, how a candidate home stacks up against everything the client pays today.
- Already saved this home while searching? When you save, CoverGuard links the address to that saved property automatically, so its risk and carrier picture follow your home (and the Advisor can use it). It matches on street, city, state, and ZIP, and small differences like "St" vs "Street" don't matter. Agents: this works when you saved the property for that client. If you haven't saved the home yet, save it from its report first, then save here again.
Troubleshooting / Common questions
- "It didn't detect all my policies." → Open any policy to correct its type, or use Add a policy manually. You can also re-upload the ones it missed — detection runs on up to 8 documents at a time, so add the rest in a second batch.
- "My upload didn't attach." → Policy files must be a PDF, JPG, or PNG under 10 MB each. Try a smaller file or a clearer photo.
- "It couldn't read a document." → Re-upload a clearer copy; the document is still attached so you can fill in its details by hand — see Account & login.
Do this next
Compare the home you just recorded against a property you're considering, and set up reminders so no renewal slips.