Carrier Availability
Know who's writing — before you write the offer
State Farm is under CDI enforcement in California (May 2026). Florida residual rates are easing. Allstate, Farmers, and regional carriers continue to reshuffle appetite by ZIP. CoverGuard models which carriers are binding at any US address — refreshed continuously.
Check carrier availability by ZIP
See which carriers are generally active in a ZIP’s market right now.
Four writing statuses, one clear answer
Writing
Carrier shows modeled availability to bind new policies in this market.
Limited
Carrier is writing restricted business — narrow eligibility rules apply.
Surplus lines
Available only through the non-admitted surplus-lines market, at surplus-lines terms.
Not writing
Carrier has paused or exited this market — new business is not being accepted.
From the CoverGuard Record to bound coverage — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the CoverGuard Record, models which carriers will write the risk, and pulls back indicative pricing with a quote request — before anyone signs on the dotted line.
Free to start — no credit card required. Available in all 50 states.