Sample CoverGuard Record

This is what you see before you bid

Every CoverGuard Record leads with the CoverGuard Score — the number, the band, what capped it, and the evidence underneath. No black box.

Sample Record · illustrative data

742 Evergreen Terrace, Springfield, IL 62704

The sections every CoverGuard Record opens with

CoverGuard Score

6/10

Watch

Cap for this gate result: 100 / 100As of December 1, 2024

Modeled estimate from public data — not an offer of insurance and not financial or insurance advice. Confirm with a licensed professional before you rely on it.

Carrier availability gate

Preview

Likely insurable

Low confidence

An admitted carrier match was found, based on responses from 4 of 4 carriers checked, as of October 1, 2024.

4 of 4 carriers respondedAs of October 1, 2024

This gate is a modeled preview — not confirmed from a live carrier feed for this location. Verify which carriers are actively writing with a licensed agent or by requesting quotes before relying on it.

Modeled estimate from public data — not an offer of insurance and not financial or insurance advice. Confirm with a licensed professional before you rely on it.

What you're required to carry

Required vs. recommended coverage

Required to close

$1,850/yr

$154/mo

Recommended (optional)

$1,570/yr

$131/mo

Required

Homeowners
Required by any mortgage lender as the property’s base hazard policy.
$1,850/yr

Recommended

Flood
Recommended — excess protection above the NFIP $250k dwelling cap; not in a mapped special flood hazard area.
$450/yr
Earthquake
Recommended — earthquake coverage is never a lender or legal requirement, even in high seismic-hazard areas.
$720/yr
Wind/Hurricane
Recommended — wind coverage is bundled into the standard hazard policy or not lender-mandated as a separate purchase in this market.
$400/yr

Modeled estimate from public data — not an offer of insurance and not financial or insurance advice. Confirm with a licensed professional before you rely on it.

Placement difficulty

87 / 100 · Easy

High confidence

Expected 1–5 days to bindAs of December 1, 2024

What's driving this

Carrier count
66.7/100
4 carriers with matching appetite were found.
Market concentration
75/100
Matching appetite is spread across 4 carriers, reducing single-carrier dependency.
Admitted vs. surplus-lines mix
100/100
Every matching carrier is in the standard admitted market.
Binding friction
100/100
No inspections, certificates, or documentation conditions apply.
Expected time to bind
92.5/100
Expected to take 1–5 days to bind.
Non-renewal / carrier-exit pressure
100/100
No recent carrier exits or non-renewals detected in this market.

Modeled estimate from public data — not an offer of insurance and not financial or insurance advice. Confirm with a licensed professional before you rely on it.

Cost burden

67 / 100 · At market

Moderate confidence

Required cover: $1,850/yr ($154/mo)As of December 1, 2024

Deductible: $1,000 (0.3% of dwelling coverage)

What's driving this

County premium comparable
68.1/100
1 of 1 required line were benchmarked against a real county comparable.
Premium relative to home value
54.5/100
Required coverage costs about 0.49% of dwelling coverage annually, against a market norm of about 0.42%.
Deductible burden
95.5/100
The priced deductible is $1,000, about 0.3% of dwelling coverage.
Three-year rate trend
Not measured
No rate-trend data source is available yet — this driver’s weight is redistributed to the others.

County comparables

HOMEOWNERS$1,850/yr vs. $1,950/yr comparable (Sample data — illustrative Sangamon County, IL comparable)

Modeled estimate from public data — not an offer of insurance and not financial or insurance advice. Confirm with a licensed professional before you rely on it.

The full report continues below these sections with the per-peril risk profile, insurance estimate, mitigation paths, carrier detail, public records and a map.

Run this on a real address

Create an account to check a property of your own.

Get started

This is what you see before you bid

The sections every CoverGuard Record opens with

From CoverGuard Record to a quote request