For brokers & agencies
Never lose a client to a non-renewal you didn’t see coming
Carrier appetite moves weekly, market by market. CoverGuard watches every property in your book against it and tells you which client to call today — while there is still time to place them somewhere else.
Transparent pricing · Private Preview · All 50 states
5
perils scored per property
Flood, fire, wind, earthquake, crime
11+
public sources behind each score
FEMA, USGS, NOAA, Cal Fire, Census Bureau, FBI and more
50
states, from day one
Residential and commercial
Coverage figures describe what the platform assesses, not a performance claim. Carrier availability and cost figures are modeled estimates. Quotes and final pricing come from licensed carriers.
Before you shop a submission
See which carriers are modeled as likely writing in a property's state market before you spend time on a submission. It is a starting point for the conversation, not a quote.
Modeled estimateCarrier availability here is a modeled estimate for a state market. It is not a quote, it is not bindable, and no carrier has agreed to anything.
Check carrier availability by ZIP
See which carriers are generally active in a ZIP’s state market.
How to read this result
- Source
- CoverGuard's carrier directory and appetite model for the state market
- Date
- Set when you run a lookup. The model's own as-of date is not published by this lookup.
- Geographic resolution
- The state market the ZIP sits in. Not the individual property.
- Classification
- Modeled estimate — not a quote
- What it decides
- Tells you whether to expect a normal or a hard placement in this market before you write an offer.
- Limitation
- Not a live carrier feed, not property-specific, and not a quote. Only a carrier can confirm it will write a policy.
- When to refresh
- Results are cached for up to an hour. Check again before you rely on one, and run a property check for the property itself.
A quote request is made from a property’s Record and goes to CoverGuard’s brokerage team. Check the property first.
What happens after you request a quote
- You send the request from the property’s Record.
- CoverGuard’s brokerage team reviews it and takes it to carriers active in that market.
- A carrier decides whether to offer cover, and at what premium.
- Until a carrier confirms, no premium or coverage is promised.
The client you lose is the one you weren’t watching
A carrier pulls back from a market. Nothing tells you until a renewal comes back declined — and by then your client has already been called by someone else. Whole-book monitoring turns that into an alert with a name attached.
- Watch every property in your book against carrier appetite changes in its market
- Catch a market tightening before it reaches a renewal notice
- Pre-qualify inbound leads with an instant multi-peril insurability profile
- See in seconds whether a submission is likely writeable before you spend time shopping it
- Screen a book for aggregate coverage-risk exposure across geographies
- Generate co-branded Client Reports for client communications
Before CoverGuard
“We found out a carrier had pulled out of the market when three renewals came back declined in the same week. Two of those clients had already been called by another agency.”
After CoverGuard
“The alert named the eight clients in that market the day it moved. We called them first, with somewhere else to put them.”
Illustrative scenarios, not customer testimonials.
What you license
A consumer buys one record. You license the engine.
The engine
Bulk-screen a portfolio, hit the API from your AMS, and embed the score in your own tools. The same assessment that backs a single record, run across every property you hold.
CoverGuard Agents
Property Monitor, Carrier Appetite Tracker and Carrier Tracker run against every client you hold, so a market that tightens surfaces as an alert rather than a renewal notice.
Co-branded records
Every record carries your agency’s mark. Your clients get the artifact; you stay the one who gave it to them — and the record keeps working long after the placement.
Property Insurability Intelligence
Risk scores tell you the peril. Insurability intelligence tells you if it's placeable.
You already understand flood zones and fire severity. What you need to know faster is whether a property with a high-risk profile has any viable market — and if so, which carriers are likely still writing it. That's the gap CoverGuard closes.
Every assessment includes an insurability dimension: a property-level view of likely coverage availability, modeled from carrier activity in the state market and the property's risk tier — carried by the CoverGuard Score on every record you send out.
See it run against your own book.
Send us a client list and we'll show you what carrier movement has already done to it — which properties are exposed, and which clients to call first.
Real-estate agent rather than an insurance broker? See CoverGuard for agents.