For brokers & agencies
Never lose a client to a non-renewal you didn’t see coming
Carrier appetite moves weekly, ZIP by ZIP. 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 · 1 free property search · All 50 states
5
perils scored per property
Flood, fire, wind, earthquake, crime
11+
public sources behind each score
FEMA, USGS, NOAA, Cal Fire, 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; bindable quotes are issued by licensed carriers.
The client you lose is the one you weren’t watching
A carrier closes a ZIP. 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 ZIP-level carrier movement
- 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 writeable before you spend time shopping it
- Screen a book for aggregate coverage-risk exposure across geographies
- Generate co-branded insurability reports for client communications
Before CoverGuard
“We found out a carrier had closed the ZIP 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 ZIP the day the market 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, Market Watcher 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 still writing it. That's the gap CoverGuard closes.
Every assessment includes an insurability dimension: a property-level verdict on coverage availability based on current carrier activity, risk tier, and ZIP-level market conditions — 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.