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.
Steps
- Open the Record and confirm the Active Carriers panel shows carriers
actively writing/binding in that market.
- Click Request a quote.
- 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.
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 and which carrier you're interested in; 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.
Requirements
- Requesting a quote is a paid-tier feature. On the free tier you'll see an upgrade
prompt.
- You must have accepted terms (onboarding) and be signed in.
Troubleshooting
- "Request a quote" is locked → it needs a paid plan. See
- 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 places coverage
only where it is licensed to, 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.