Carrier Match
Know who's writing — before you write the offer
Carrier appetite reshuffles market by market, and one that was open last year may not be this year. CoverGuard models which carriers are likely writing for any US property's market and risk profile, so you know before the offer goes in.
Modeled estimateCarrier availability here is a modeled estimate for a state market. It is not a quote, it is not bindable, and no carrier has agreed to anything.
Check carrier availability by ZIP
See which carriers are generally active in a ZIP’s state market.
How to read this result
- Source
- CoverGuard's carrier directory and appetite model for the state market
- Date
- Set when you run a lookup. The model's own as-of date is not published by this lookup.
- Geographic resolution
- The state market the ZIP sits in. Not the individual property.
- Classification
- Modeled estimate — not a quote
- What it decides
- Tells you whether to expect a normal or a hard placement in this market before you write an offer.
- Limitation
- Not a live carrier feed, not property-specific, and not a quote. Only a carrier can confirm it will write a policy.
- When to refresh
- Results are cached for up to an hour. Check again before you rely on one, and run a property check for the property itself.
A quote request is made from a property’s Record and goes to CoverGuard’s brokerage team. Check the property first.
What happens after you request a quote
- You send the request from the property’s Record.
- CoverGuard’s brokerage team reviews it and takes it to carriers active in that market.
- A carrier decides whether to offer cover, and at what premium.
- Until a carrier confirms, no premium or coverage is promised.
Four writing statuses, one clear answer
Writing
Carrier shows modeled availability to write new policies in this market.
Limited
Carrier is modeled as writing restricted business — narrow eligibility rules apply.
Surplus lines
Modeled as available only through the non-admitted surplus-lines market, at surplus-lines terms.
Not writing
Carrier is modeled as paused or exited in this market — new business is not expected.
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.