Quote Requests
From risk check to quote request — in minutes
After you've checked insurability and seen which carriers are likely writing, send the request right from the property page — no separate portals, no phone tag. Coverage and price are confirmed by the carrier, never by us.
Walk through a quote request
Four steps, shown on the Sample CoverGuard Record. The walkthrough sends nothing, and carrier availability is modeled, not bindable.
Step 1 of 4
Start from the Record
A quote request starts on the Record of a property you have checked, once you know it is worth pursuing. On the Sample CoverGuard Record, the answer is:
- Score band
- Workable
- Decision statement
- This property should be straightforward to insure.
On the Sample Record
- 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
- Observed, derived and modeled — carrier availability is modeled
- What it decides
- Shows which carriers are likely to consider the property, so the request goes where it can 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 Record before you request a quote from an older one.
Step 2 of 4
See which carriers are likely writing in the market
The Record shows the carriers modeled as writing in that market. Choose one, or leave it to CoverGuard’s brokerage team to choose.
4 of 4 carriers checked are modeled as writing for the Sample Record. Modeled, not bindable.
Where no carrier is modeled as writing, the Record does not offer a quote request. It says so, and says what to do instead.
On the Sample Record
- 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 which carriers are likely to consider the property, so the request goes where it can 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 Record before you request a quote from an older one.
Step 3 of 4
Send the request to the brokerage team
Pick the cover you want: homeowners first, then flood, earthquake, wind or umbrella if you need them. Add any notes, and send it.
The request goes to CoverGuard’s brokerage team, who work with licensed insurance partners. It is a request, not a quote: nothing is priced, bound or promised by sending it.
This walkthrough is scripted on the Sample CoverGuard Record, so it sends nothing. A quote request is sent from a Record of a real property.
Step 4 of 4
The brokerage team takes it to carriers
The team checks which carriers are writing homes like this one and approaches the ones that fit. You get a confirmation, and the request’s status on the Record moves forward as carriers respond.
Only a carrier can confirm a premium or coverage. Until one does, nothing is bindable.
Check your own address to create a Record, then request a quote from it.
Step 1 of 4: Start from a Record
Three steps to a quote request
Step 1
Review the risk profile
Confirm flood, fire, wind, earthquake, and crime exposure for the property.
Step 2
Pick a carrier likely writing it
Choose from carriers modeled as writing for the property’s state market and risk profile, so the request goes where it can be placed.
Step 3
Send the quote request
Submit the property details. Our brokerage team picks it up and works the placement.
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.