Investors

The future of property insurability intelligence

CoverGuard empowers home buyers, real estate agents, and lenders to understand property risk, modeled carrier availability, and estimated insurance costs — before placing a bid.

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The Problem

Every year, thousands of real estate transactions are delayed, renegotiated, or fall through because buyers and agents discover insurance challenges too late in the process. Rising climate risk, carrier pullbacks, and shifting regulations have made property insurability one of the most critical — yet least understood — factors in real estate.

$150B+ in U.S. homeowners premiums

U.S. homeowners insurers wrote $173.06B in direct premiums in 2024, up 13.4% from 2023. Rising premiums create urgent demand for pre-purchase risk intelligence.

Source: S&P Global Market Intelligence, from NAIC statutory filings, May 2025

Nationwide Coverage

Integrating FEMA flood zones, wildfire severity, seismic data, wind speed, and crime data for any U.S. address — all in one platform.

Multi-Sided Platform

Serving agents, buyers, and lenders with role-specific portals, client management, and quote requests routed to CoverGuard's brokerage team, which works with licensed insurance partners.

What CoverGuard Delivers

Instant multi-peril risk profiles (flood, fire, earthquake, wind, crime)

Modeled carrier availability — which carriers are likely writing policies, by state and risk

Insurance cost estimates before an offer is placed

Side-by-side property comparison for risk and insurability

Quote requests with a full, forward-only status timeline

Agent dashboard with client management and analytics

Property Records for due diligence and disclosure

Built on authoritative public data (FEMA, USGS, Cal Fire, NOAA, Census Bureau, FBI)

Why Now

7 of 12

Carriers pulling back

Of California's 12 largest home insurers, 7 paused or restricted new policies.

Source: California Department of Insurance, 2023

30%+

Premium growth

Premiums rose more than 30% in one-third of U.S. ZIP codes, 2021–2024.

Source: Consumer Federation of America, Apr 2025

13%

Sales lost to insurance

13% of California REALTORS had a sale fall out of escrow over insurance in 2024, up from 6.9% in 2023.

Source: California Association of REALTORS Housing Market Survey, via Insurance Journal, Oct 2024

11+

Data Sources

Federal & state risk databases integrated into CoverGuard

Interested in learning more?

We'd love to share our pitch deck and business plan with you. Reach out to our investor relations team and we'll be in touch.

investor@coverguard.io

Request our pitch deck, business plan, or schedule a call with our team.