Modeled dataCarrier availability & pricing are modeled.How this is modeled
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How-to: Saving & comparing properties

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Keep the properties you care about, and line up your finalists side by side to see which one wins.

Who this is for: everyone — saving is free on every plan; side-by-side comparison is a Pro-tier feature. Where: the star on any property card or Record; finalists in the Compare view (/compare). Time: ~1 min.

Saving a property

  1. On any property card or Record, click the star / Save.
  2. Optionally add notes and tags.
  3. Saved properties appear under the Property tab (/reports) and on your Dashboard.

To remove, click the star again (unsave). From your Dashboard's saved-homes panel you can also remove a property right there — click the ✕ on its card or row. The property disappears immediately, and a brief Undo banner lets you put it right back; if you don't click Undo, the removal is final after a few seconds. Agents/lenders/brokers can assign a saved property to a client — see Clients & deals.

Saving is durable and tied to your account, so saved homes follow you across devices. They remain accessible even on the free tier after a downgrade.

How fresh is the band on a saved card?

Every saved card carries an insurability band chip marked Hazard, and beside it the date that reading was last worked out — for example Hazard · Aug 26. A reading from a different year shows the year too (Aug 26 '25), and once it is more than 30 days old the date turns amber.

The date is there because a saved property's hazard reading is worked out when someone opens it, not on a schedule. Save a home and leave it, and its band stays as it was the day you last looked — which is fine for hazards that move slowly, and worth knowing about before you act on one. To bring a reading up to date, open the property's Record; opening it re-checks the underlying hazard data and the card follows.

Comparing properties (up to 3)

Side-by-side comparison is a Pro-tier feature — it comes with the professional Pro plans (such as Agent Pro), not with Starter, Home Buyer Pro or Home Seller Pro. On a lower plan the Compare button prompts an upgrade.

  1. Toggle Compare on up to three properties (from search results or cards).
  2. Open the Compare view (/compare).
  3. See each home's CoverGuard Score (1–10, higher is easier to insure), then risk, cost to insure, carriers, insurability, and valuation lined up column-by-column so differences pop. The score and its band match what each home's Record shows. When a Record publishes no score (every carrier declined, or too little data to stand behind one), Compare shows none either and says why.

The compare selection is remembered as you browse (it's stored locally, capped at 3). If you try to add a fourth, remove one first.

Tip: the Advisor can suggest which properties to compare from your saved set — just ask it.

Comparing from inside a Record

You don't have to leave a Record to line it up against another home. Open any property Record and click Compare in the Record header:

  1. Pick the property to compare against (a saved one, or search for a new one).
  2. The Record splits into two columns — the property you were reading on the left, the one you picked on the right.
  3. Both sides show exactly the same sections, in the same order, side by side on the same line: the score, overall risk and cost to insure, insurability, the carriers writing in the market, the FAIR Plan estimate where it applies, the insurance estimate and cost by peril, and the full risk profile. Every number is the same measure on both sides, and each section stays level with its counterpart however much detail one property has — so a difference is a real difference, not a layout artefact. The carriers section is headed Carriers actively binding only where carrier availability is confirmed from a live feed; where it is modeled (most places today) it reads Carriers modeled for this market and carries a Preview tag, so check which carriers are actually writing with a licensed agent or by requesting quotes before you rely on it. If a section applies to only one of the two (a FAIR Plan estimate exists only for a California home no standard carrier is writing), the other side says so rather than leaving a gap.
  4. Use Change to swap the compared property, or ✕ to close the comparison.

On a phone or a narrow window the two columns stack and the sections alternate — this property's risk, then the other's, then this property's cost, and so on — so you're still reading each measure back to back. Each block is labelled with its address.

Long standing notes (the "not an offer of insurance" disclaimers, the modelled-data qualifiers) are shortened while comparing so the two sides stay easy to scan. Tap the ⋯ beside one to read it in full.

What to expect while comparing: the split view shows the comparable half of the Record. The sections that are about one property only — mitigation savings, public-record details, quote requests, the map, your checklist and notes — are hidden while the two columns are open and come straight back when you close the comparison. Each column also links to Open full Record if you want one of them on its own.

Troubleshooting

  • Compare is locked / prompts an upgrade → side-by-side comparison is a Pro-tier feature; see Billing & plans.
  • Can't add a 4th property to compare → the limit is 3; deselect one.
  • A saved property disappeared → check you're signed into the same account; saves are per-user. See Account & login.
  • The date beside a saved card's band is weeks old → expected, not a fault: hazard readings refresh when a property is opened, not on a timer, so a home you haven't opened keeps the reading it had. Open its Record to bring it up to date.
  • Compare selection reset → the selection is device-local; it can clear if you switch devices or clear site data.
  • The map / checklist / notes vanished when I hit Compare → that's expected; those sections are about a single property, so they're hidden while the two columns are open. Close the comparison (✕) to get them back.

Do this next

Once you've picked a finalist, request a quote — or hand it to a client.

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