CoverGuard

CoverGuard Advisor

The AI that turns a CoverGuard Record into a path to coverage.

Woven through every screen of CoverGuard, the Advisor reads the same auditable risk and carrier data you can — and explains it, compares it, and recommends the next move in plain language. Every answer shows the data it read.

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A sample conversation with the Advisor

Choose a question about the Sample CoverGuard Record. The answers are written in advance from its data: nothing you choose is sent anywhere, and every answer shows its source.

  1. CoverGuard Advisor

    I'm the Advisor. Ask me about the Sample Record, and I'll answer from its sourced data.

  2. You

    How exposed is this home to wind?

  3. CoverGuard Advisor

    Wind is rated moderate on the Sample Record. Moderate wind risk with occasional severe thunderstorms and tornado activity. Estimated design wind speed: 115 mph (from the ASCE 7-22 maps).

    For comparison, flood is rated low: FEMA Flood Zone X (minimal flood hazard).

    Source
    Design wind speed estimated from ASCE 7-22 maps by state and latitude / NOAA Coastal Flood Hazard Composite
    Date
    Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
    Geographic resolution
    The property's location
    Classification
    Derived — from published wind maps and storm history
    What it decides
    Wind exposure is one reason a carrier may set a separate wind or hail deductible.
    Limitation
    A map-based rating, not an inspection of the roof or the building.
    When to refresh
    Hazard maps change rarely. Check again before an offer.

  4. You

    Which carriers are likely to write it?

  5. CoverGuard Advisor

    4 of the 4 carriers checked are modeled as writing in this market. That is a modeled estimate: it is not a quote, and nothing is bindable until a carrier confirms it.

    To ask for real, request a quote from the Record. The request goes to CoverGuard’s brokerage team, who take it to the carriers that fit.

    Source
    CoverGuard's modeled carrier availability for the property's market
    Date
    Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
    Geographic resolution
    The state market, not the individual property
    Classification
    Modeled estimate — not a quote, and not bindable
    What it decides
    Shows where a quote request is likely to be placed.
    Limitation
    Only a carrier can confirm it will write a policy, and at what premium.
    When to refresh
    Carrier appetite changes often. Refresh the Record before relying on an older one.

  6. You

    Write a one-line summary for my client.

  7. CoverGuard Advisor

    Here is a draft:

    This property should be straightforward to insure. Its CoverGuard Score is 6 of 10 (Workable). Carrier availability is modeled, so we will confirm it with a quote request before you rely on it.
    Source
    The Sample Record's own answer. The Advisor restates it and adds nothing
    Date
    Last checked 2024-12-01, 706 days ago. Past our 180-day review window, so treat it as indicative rather than current.
    Classification
    Observed, derived and modeled — the same labels as the Record
    What it decides
    None of its own. The Record decides; the Advisor explains it.
    Limitation
    A draft. Read it before you send it.
    When to refresh
    As current as the Record it summarizes.
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This sample has no text box, so nothing you type is sent anywhere. The Advisor answers your own questions about a Record of your own, inside CoverGuard.

What the Advisor does for agents and brokers

Conversational property intelligence

Ask anything about a property — flood risk, fire severity, carrier appetite, premium drivers — in plain English. The Advisor responds in seconds.

Shows the data behind every answer

Every answer lists the CoverGuard data the Advisor read — the risk profile, the carrier view, the insurability check — and names the source where it matters, such as FEMA, USGS or the FBI. The CoverGuard Record it reads labels each figure observed, derived or modeled, so you can check it before you advise a client.

Drafts the client-ready copy

From a one-line insurability summary to a plain-language explanation of each risk, the Advisor drafts the words so you can paste them into your buyer brief.

Compares, plans, recommends

Side-by-side properties, steps that could lift a CoverGuard Score, or which of the carriers modeled as writing to name in a quote request — the Advisor reads across your saved homes, clients and deals.

Bounded, governed, auditable

The deterministic engine decides; the Advisor never sets a price, binds coverage, or sees another tenant’s data. Every call is logged with its model, token use and outcome.

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.

Request accessBook a demo

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.

Now AI-native

Ask the CoverGuard Advisor what the risk means

The CoverGuard Advisor reads the risk, models which carriers are likely to write it, and estimates what cover should cost — with every number sourced and auditable.

How the AI is governed