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Send a quote request from the Record to the CoverGuard brokerage team, then track it to close.
Who this is for: buyers who want a quote, and agents/brokers placing coverage for a client. Where: the Request a quote action on a property (/properties/:id). Time: ~2 min.
Want to see it before you sign up? The Quote Requests page walks through the four steps on the Sample Record. The walkthrough sends nothing: its Send the request button stays off and says why, because a real request is sent from a Record of a real property. Select Check an address at the end to start one.
Steps — buyers
You don't need to know which insurer to ask. Our brokerage team works that out for you, working with licensed insurance partners. (CoverGuard itself is not a licensed insurance agent, broker or carrier.)
- Open the Record. In Cost & coverage, click Get a real quote for this address, or click Request a quote for this property under Next steps. (Neither appears when no insurer we checked will cover the home. Talk to a broker instead: on a California home, the Record's next step takes you to the FAIR Plan section, where you can ask our brokerage team about residual-market options. It also doesn't appear where CoverGuard can't take quote requests yet.)
- Pick the cover you want (homeowners is pre-selected; add flood, earthquake, wind or umbrella if you need them) and add any notes.
- Submit. The request goes to the CoverGuard brokerage team with no insurer chosen. They check which insurers are writing homes like this one in the area and approach the ones that fit. You get a confirmation email, and an agent follows up with what they find.
- Close the confirmation. The Record updates straight away: instead of offering another quote, it offers See the quote request you already sent, which takes you to your quote requests and their status.
Steps — agents and brokers
Let our brokerage team choose: when the Record recommends Ask our brokerage team for a quote (or to price residual-market cover), click it. The same form opens with no carrier chosen, and the team picks the insurers to approach.
Choose the carrier yourself:
- Open the Record and check the Active Carriers panel for carriers writing in that market. Where availability is modeled (a Preview chip, Likely writing (modeled)), treat the list as a starting point — the brokerage team confirms who is actually writing.
- Click Request a quote on the carrier you want.
- Fill in the request details. The AI can suggest quote-request details for the property to pre-fill the form — review and adjust.
- Submit. The request is delivered to the CoverGuard brokerage team, you get a confirmation, and the request row moves from PENDING → SENT.
Working for a client? Open the Record from that client (their client page, or a search you ran for them) and the form tells you the quote will be recorded against them. Afterwards, the request's row in Your quote requests on the Record keeps saying who it was for ("For Dana Buyer"), so you can tell one client's request from another's at a glance.
What this is — and what it isn't
A quote request is a request, not a quote and not coverage. Submitting it tells the CoverGuard brokerage team which property you're interested in, and which carrier if you chose one; they take it from there.
Nothing is bound, priced or promised at this point:
- No coverage exists until a carrier confirms it in writing. A submitted request is not a policy and is not a binder.
- No premium is quoted by submitting. Any figure you saw on the Record is a modeled estimate of what coverage is likely to cost, not an offer.
- Carrier availability on the Record is modeled too. It reflects who is writing in that market, not a commitment from that carrier to write for this property.
That is the honest shape of it, and it is why the timeline below matters — it is where a real answer arrives.
What happens next — the status timeline
Every quote request keeps a full status history, not just a single status. The timeline advances as the request is created, delivered, updated by you, and reported back on by the broker or carrier.
- You can view and update your requests from the property's quote list, or your dashboard's aging-quotes surface.
- Carriers and brokers report status updates back to CoverGuard (via the partner API), which the timeline records. Status only moves forward — an out-of-order update is rejected so the history stays trustworthy.
The dashboard's "Do next" surfaces aging quotes so nothing stalls silently.
Tell us how it turned out (optional)
Each request in Your quote requests on the Record has a small prompt underneath it: Did this request lead to a policy? Tell us (optional).
We also remind you once, about 30 days after the request, and once more at about 60 days if you haven't told us yes or no — a bell notification and an email, each linking to your quote requests on that home's Record. Asked several carriers about the same home within a couple of weeks? You won't get a separate reminder for each request — one reminder at a time per home, and every request's answer link is in the same place. Once you tell us you bound a policy for that home, we stop asking about all of its requests. Turn the email off under Account → Notifications → Quote request follow-ups; the prompt on the Record stays either way.
- Click it. A short form opens, with a note on how your answer is used.
- Choose Yes, I bound a policy, No, I did not, or Not yet — still deciding.
- If you bound a policy, you can add the bind date, the annual premium, the carrier and any conditions the carrier required. Every detail is optional.
- Click Share my answer.
What it means: we use your answer to check how well our risk and insurability estimates match what really happens when people buy insurance, and to improve them. It does not change your request, any quote, or anything the brokerage team does. If you don't answer, nothing is recorded. We don't treat "no answer" as "didn't buy".
Changing your mind: click Edit answer to update it (for example from "Not yet" to "Yes"), or Remove my answer to delete it. Deleting your account also deletes your answers. See the Privacy Policy for how we handle the information.
Troubleshooting: no reminder arrived? We only remind on requests from the last few weeks, never after you've answered yes or no, and not within a week of a "Not yet" — and the email skips if you turned Quote request follow-ups off. "We cannot record answers right now" means saving is briefly unavailable. Your request is unaffected; try again shortly. A bind date before the day you sent the request, or in the future, is refused.
Requirements
- Requesting a quote is a paid-tier feature. On the free tier you'll see an upgrade prompt.
- Home buyers and sellers: asking our brokerage team for a quote is included in Home Buyer Pro / Home Seller Pro. That's the only upgrade you'll be offered.
- Agents, lenders and insurance professionals: quote requests are included from the Pro plan.
- You must have accepted terms (onboarding) and be signed in.
Troubleshooting
- "Request a quote" is locked → it needs a paid plan (Home Buyer/Seller Pro for a buyer or seller, Pro for everyone else). See Billing & plans.
- No carriers to request from → the market may be hard to place, or risk data is still computing; read the insurability note. See Search & Records.
- A status update was rejected → the timeline is forward-only; a request can't move backward through states. See Integrations & API.
- "Quote requests are not available in this state yet" → CoverGuard takes quote requests only in the states approved for placement, and this property is outside that list. Everything else on the Record is unaffected: the insurability picture, the carriers and the cost estimate are all still yours to use, and to take to a local broker.
Do this next
Watch your requests through to close, and set up alerts so renewals and carrier exits don't catch you off guard.