Risk Intelligence
Every peril. Every property. In one Record.
CoverGuard pulls flood, fire, wind, earthquake, and crime data from authoritative public sources — and combines them into a single risk profile in under 90 seconds.
Built to be read, not waded through
A CoverGuard Record is only useful if the person holding it can find the answer. Ours leads with the verdict and keeps the evidence one tap away.
The answer first
The CoverGuard Score, what it costs to insure, and what the risk does to the value — before any detail. Every section below states its own finding on the way past, so you can scan the whole Record without opening a thing.
Searchable end to end
Find-in-page reaches the whole Record, not just what is expanded — search a carrier by name or a peril and the Record opens to it.
Prints complete
Print or save to PDF and you get the full Record — every section expands for you first, and the navigation is left off the paper.
Five perils, one unified score
Flood
FEMA NFHL zones, SFHA status, BFE, and OpenFEMA historical claims by ZIP.
Fire
Cal Fire FHSZ for California and USFS Wildland-Urban Interface nationwide.
Wind
ASCE 7 design wind speeds and NOAA coastal flood hazard zones for coastal homes.
Earthquake
USGS ASCE 7-22 spectral acceleration values for seismic design.
Crime
FBI Crime Data Explorer rates by agency and jurisdiction.
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.