Pricing
Plans for every role in real estate
Whether you're a home buyer, agent, broker, lender, or insurance broker — CoverGuard has a plan built for you. Home buyers start free with 1 property search and 5 Advisor questions.
Know what a home will cost to insure before you bid
Check a property’s flood, fire, wind, earthquake and crime exposure, see which carriers are likely writing there, and get a modeled premium range you can put in your budget — before you commit.
Free
Best for: Trying CoverGuard on one property
For homeowners and buyers exploring a property before they commit.
Pull a single Record and see whether this is the kind of answer you need.
- 1 property search — free forever
- 1 full Record — one property, yours to reread
- Score, full risk profile and a cost range — deeper analysis needs a plan
- 5 Advisor questions
- Risk profiles (flood, fire, wind, earthquake, crime)
- State-level carrier availability lookup (enter any ZIP)
- Save 1 property
- Email support
Home Buyer Pro
Best for: Someone actively shopping and comparing homes
For active home buyers who need more Records and deeper insights.
Check every property you tour, compare them side by side, and keep the ones you are still deciding between.
- 5 full property Records per calendar month
- Everything in Free
- All out-of-the-box Agents included — your coverage watchdog starts on, the rest activate in one click
- Insurance cost estimates
- Quote Requests — ask our brokerage team to find coverage
- Carrier availability lookup
- Includes 25 saved properties
- Email support
Monthly Record figures are enforced: past your plan's allowance, a new property shows the free preview until the month resets, and re-opening a Record you already pulled never counts again. The Free plan's single Record works the same way but does not reset — it goes to the first property you open and stays readable there. Searches and saved properties are included allowances — we don't cut you off mid-month if you go over.
The Agents set up for Home Buyers on every plan
Every CoverGuard subscription comes with a starter fleet of out-of-the-box Agents tailored to how home buyers work — installed and ready from day one. Switch one on in a click, retune it, or add more anytime.
Best-Coverage Optimizer
Re-shops your saved properties for better coverage.
Every week
My Home Coverage Optimizer
Re-shops coverage for the home you live in.
Every month
Pre-Bid Insurability Check
Tells you if a house is insurable before you bid.
On demand
3 Agents come set up on every plan — activate any in one click, with more in the in-app gallery. No add-on required.
What unlocks at each plan for Home Buyers
The detail behind the plans above, tuned to how home buyers work. The plan-limit rows show how much each package includes; a check means a capability is included at that plan and above.
| Capability | Free Free | Home Buyer Pro $4.99/mo |
|---|---|---|
Plan limits | ||
Property Searches Look up any US address for risk & insurability (Free: 1 lifetime; paid: per month). | 1 | 25 |
Property Records Full risk + insurability Records (Free: 1 lifetime, with cost shown as a range and no carrier connection; paid: per month). | 1 | 5 |
Saved Properties Properties you can keep on your dashboard. | 1 | 25 |
Advisor Questions Questions to the CoverGuard Advisor (Free: 5 lifetime; paid: unlimited). | 5 | Unlimited |
Capabilities | ||
Property Search Search any US property for risk and insurability data. | Included — first available on Free | Included |
Saved Properties Save properties to your dashboard for easy access later. | Included — first available on Free | Included |
Advisor & Agents Ask the CoverGuard Advisor about flood zones, carriers, and insurability — and get the out-of-the-box Agents on by default, included with your subscription. | Included — first available on Free | Included |
Risk Profiles View flood, fire, wind, earthquake, and crime risk scores. | Included — first available on Free | Included |
Carrier Match See which carriers are likely to have appetite for this property and to be writing policies. | Included — first available on Free | Included |
Coverage History See a property's recorded claims, non-renewals, carrier changes and premium moves — and add one you can attest to. | Included — first available on Free | Included |
Market Watch, Renewal Guard & Savings Finder CoverGuard watches the properties you save and tells you when the market moves against one — Market Watch, Renewal Guard and Savings Finder. | Included — first available on Free | Included |
Shareable Snapshot Share a public, PII-free insurability snapshot by link, iframe or embed script. | Included — first available on Free | Included |
CoverGuard Record See the full CoverGuard Record for any property — every hazard scored with its evidence, and why it is insurable or is not. | Not included | Included — first available on Home Buyer Pro |
Insurance Cost Estimates Get estimated annual insurance premiums for any property. | Not included | Included — first available on Home Buyer Pro |
Quote Requests Ask our brokerage team to find coverage for a home you are considering. A request, not a quote: price and coverage are set only when a carrier confirms. | Not included | Included — first available on Home Buyer Pro |
A in brand color marks the plan where each capability first unlocks.
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.