What CoverGuard watches for you

Market Watch, Renewal Guard and Savings Finder keep an eye on the market for the homes you care about, and tell you — in one sentence with a number in it — when a carrier stops writing where you are buying, when a policy is coming up for renewal on a property that has got harder to place, and what would actually cut a premium you are already paying. You hear it from us rather than from a declined application, a renewal you did not shop, or a discount nobody mentioned.

Who this is for: Agents, Brokers, Home Buyers and Lenders — anyone who has saved a property or recorded a policy. Where: the Always on section at the top of Automations (/automations). Time: ~3 min to read, nothing to set up.

New here? Do Getting started first (signup, terms, navigation).

Why this matters

The carriers writing a given house change quietly. A carrier pulls out of a ZIP, tightens its appetite, or comes back — and nobody sends you a letter about it. You find out when you try to place the risk, which is the worst possible moment to find out.

So CoverGuard watches instead. You do not create these agents, you cannot delete them, and they keep working between your visits. When something moves in the market for a property you saved, there is a finding waiting for you with the carrier named, the change stated, and what it did to that property's CoverGuard Score.

Renewals are the other half of the same problem. A renewal date is the one moment you can act on what the market has done — and it arrives whether or not you were watching. Renewal Guard tells you which renewals are coming and, more usefully, which of them sit on a property that has become harder to place since we started watching, so you know which one to shop first rather than shopping all of them or none.

And then there is the bill itself. Carriers publish discounts for work that reduces their risk — a FORTIFIED roof, cleared defensible space, flood vents, a monitored alarm — and almost nobody is told which of them apply to their house or what each one is worth. Savings Finder does that arithmetic against the premium you recorded: not our estimate of what the property should cost, but what you actually pay, so the dollar figure is one you can check against your own declarations page.

Before you start

• Nothing to set up. Market Watch runs every six hours for every saved property; Renewal Guard runs once a day; Savings Finder looks once a week. All three run on every plan, and today every finding they produce is shown to you in full — none of it is held back for a paid tier. There is no switch, no schedule to pick and no quota to spend.
• Save the properties you care about. That is the whole subscription for Market Watch: it watches what you have saved, and nothing else.
• Record your policies, and link them to a property. Renewal Guard reads the renewal dates you already keep — on your own home under My Home, on a client's record, or on a book entry. It can only tell you what the market did if the policy is linked to a property; without that link you still get the ordinary renewal reminders, just not the market read.
• Record what you pay, if you want the savings half. Savings Finder needs one number it cannot infer: the annual premium on the policy. Without it there is no finding at all for that property — we would rather say nothing than quote a saving off a figure you never gave us. Record the premium on My Home, on the client's record, or on the book entry, and the next weekly look picks it up.

How to read it

1. Open Automations. The Always on section is at the top, above the agents you built yourself.
2. Read the first line of each card. That is the latest finding — a sentence with a figure, not a status light.
3. Check the coloured chip beside it. It says Opportunity, Needs attention or For information, and repeats the figure.
4. Open the Record. The property named in the finding links straight to it, so you can see the carrier slate and the score for yourself.
5. Read the small print under the finding: which carriers moved, from what to what, how many are still actively writing, and where the numbers came from.

What you'll see / What it means

Three cards, three different jobs. Market Watch answers "did something just change?"; Renewal Guard answers "what should I act on before a deadline?"; Savings Finder answers "what would make this cheaper?". All three lead with a sentence and a figure rather than a status light, and all three link to the property's Record.

The figure is the property's own score, not a new one — but it is not the number on your Record. A finding says how many points the change cost (or gained), and what the property's composite score stands at today, out of 100. That is a different measurement from the 1-10 CoverGuard Score the Record leads with — it composes how hard the property is to place and what it costs, where the CoverGuard Score reads hazard exposure together with how many carriers are writing — so a finding names its scale rather than leaving you to assume. Do not expect the two to line up: a property can read 8 out of 10 on its Record and sit at 45 out of 100 here, and neither number is wrong. What a finding guarantees is narrower and more useful: the before-and-after it quotes changes only the carriers' appetite, so the points it reports are attributable to the market move.

"Nothing found" is not the same as "nothing happened". The card tells you when it last checked, deliberately. An absence of observed changes is exactly that — not a guarantee that the market held. If a property matters to you, the timeline on its Record (reading a property's coverage history) and the carrier slate are still worth opening yourself.

A renewal finding always says how far back it looked. You will see either "Measured over the 12 months to <today>" or "Measured from <date> — when we began observing carrier appetite — to <today>". The second wording is not a hedge: we started recording carrier-appetite changes on a specific date, and telling you "nothing changed in the past year" when we have only watched part of that year would be a claim we cannot support. When we have no appetite history at all for a market, you get no renewal finding rather than a reassuring one.

A savings figure is an estimate of a discount, not a quote. Every Savings Finder finding says so in its own words, and gives the up-front cost and the payback period alongside the annual saving, because a $540-a-year credit that costs $16,500 of roof is a different decision from a $120 credit that costs $1,500 of plumbing. The percentages come from published schedules — IBHS FORTIFIED, California's Safer from Wildfires programme, Florida's hurricane-mitigation rules, ordinary carrier discount filings — and they are ranges, so we quote the middle of the range. What a specific carrier actually allows depends on underwriting, an inspection and your state's filings, and the work itself should be priced by a qualified contractor before you commit to anything.

Savings Finder tells you each thing once. Unlike the other two, its findings are not about something that just happened — clearing defensible space is as good an idea next month as it is today. So you get the recommendation once rather than the same card every week, and you hear about it again only if it genuinely changes (because the property's risk picture changed which work applies). The weekly look is there to catch a property you just saved, a premium you just recorded, or a risk profile that just moved.

A market exit and a re-entry are both findings. Most alerting only tells you when things get worse. A carrier coming back is real news too — it may be the cheapest way to place a risk you had written off — so it gets its own finding, in green.

These are observations, not carrier notices. Every finding says so in its own words. We are telling you what we observed in carrier appetite data, not relaying something a carrier sent us. That distinction matters if you are about to quote the change to a client.

When we cannot say what a move means, we say nothing. If a property's score cannot be computed — too little data to rate the market at all — you will not get a finding claiming "no change". A figure we cannot stand behind is worse than silence, and silence here is temporary: the next sweep tries again.

Tips

• Act from the card, not from the inbox. The property link goes to the Record, where the current carrier slate and the coverage timeline are — everything you need to decide whether to re-shop.
• A card with several carriers in one finding is the one to read first. "3 carriers changed their appetite" on one property is a market moving, not a single carrier's decision.
• The card shows one renewal, not your worst one. Each card leads with the most recent finding, so if several policies are near renewal you are seeing one of them rather than the most urgent. Open the property's Record for the full picture; a single ranked view of a whole book is coming separately.
• Renewal Guard does not replace your renewal reminders. The renewal emails, the bell and the dashboard widget still do what they always did — they tell you a date is coming. Renewal Guard adds the part they never had: what the market has done to that property in the meantime.
• A renewal on a policy with no linked property gets no card. Link the policy to a property and the next daily check picks it up.
• Recording the premium pays for itself twice. It is what unlocks Savings Finder, and it is also what makes a renewal decision concrete — you can compare the saving against the bill rather than against an estimate.
• Take the payback period seriously, and the ranking with it. Savings Finder leads with the work that saves the most on the riskiest peril, and breaks ties on the fastest payback. If the top item is a five-figure roof, the second or third line is often the one to do this year.
• Your own agents are separate. Everything below Always on is yours: you built it, you can pause or delete it, and it runs on the schedule you chose. See CoverGuard Agents (automations).

Troubleshooting / Common questions

• "There's no Always on section." → You are either not signed in, or the platform's CoverGuard Agents are not available on the site you are using. Nothing is being hidden from you about a property.
• "Why can't I pause or delete Market Watch?" → By design. It is the platform's agent, not yours, so there is no switch for it — the same reason you do not have to set it up.
• "It says 'Paused'." → An operator has paused it platform-wide, which we say plainly rather than letting a quiet card look like a quiet market. Nothing is wrong with your account.
• "A finding's figure and the Record's score disagree." → They cannot: the score a finding quotes is read from that property's own Record. If they look different, the Record has been re-scored since the finding was written — open the Record, which is always the current answer.
• "Nothing has appeared for weeks." → Most likely nothing has moved for the properties you saved. Check the "Last checked" line on the card: if that date is current, the watch is working.
• "A policy renews next month and Renewal Guard has said nothing." → Three things to check, in order: the renewal is more than 60 days out (nothing fires beyond that), the policy is not linked to a property, or that property cannot be scored yet. The first two you can fix; the third resolves as the property's data fills in.
• "Savings Finder has said nothing about any of my properties." → Almost always the premium: it is the one number that agent cannot work around, and it will not substitute our own estimate of what the property should cost. Add the annual premium to the policy and the next weekly look will price it.
• "Savings Finder named work I have already done." → Tell us by updating the property's details on its Record; the recommendations follow the risk picture, so a peril that is no longer elevated drops out of the list on the next look.
• "Can I get the same list without recording a premium?" → You can see the same recommendations on the property's Record, under Lower this premium — it runs the same engine, but measures against our estimate of the premium rather than yours, and that estimate is part of the premium-estimate feature, so whether you see a dollar figure there depends on your plan. Recording the premium is the answer that works on every plan, and gives you a figure based on what you actually pay rather than what we think the property should cost.
• "Renewal Guard found the renewal but says 'No change'." → That is a real answer, not a blank one: the date is close and the market has not moved against this property. It is the case where you can let a renewal roll with confidence.

Do this next

Open the Record for any property a finding names, and decide whether to re-shop it now or wait.

• Reading a property's coverage history
• Reading a CoverGuard Record
• CoverGuard Agents (automations)
• Requesting a quote