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.
The sections every CoverGuard Record opens with
CoverGuard Score
CoverGuard Score
6/10
Workable
This score and its band are the Record’s answer. The coverage gate and placement difficulty below each answer one narrower question — will carriers write it, and how hard is it to place — so they can read differently.
Carrier availability gate
Carrier availability gate
PreviewLikely insurable
An admitted carrier match was found, based on responses from 4 of 4 carriers checked, as of October 1, 2024.
What you’re required to carry
What you're required to carry
Required vs. recommended coverage
Required to close
$2,250/yr
$188/mo
Recommended (optional)
$1,170/yr
$98/mo
Required
- $1,850/yr
Homeowners
Required by any mortgage lender as the property’s base hazard policy.
- $400/yr
Wind/Hurricane
Required — wind is covered by the standard hazard policy in this market; this line is that policy’s wind share, priced as its own line.
Recommended
- $450/yr
Flood
Recommended — excess protection above the NFIP $250k dwelling cap; not in a mapped special flood hazard area.
- $720/yr
Earthquake
Recommended — earthquake coverage is not a legal requirement, and whether a lender requires it depends on the loan, so check its terms.
Placement difficulty
Placement difficulty
87 / 100 · Easy
What's driving this
Carrier count
66.7/1004 carriers with matching appetite were found.
Market concentration
75/100Matching appetite is spread across 4 carriers, reducing single-carrier dependency.
Admitted vs. surplus-lines mix
100/100Every matching carrier is in the standard admitted market.
Binding friction
100/100No inspections, certificates, or documentation conditions apply.
Expected time to bind
92.5/100Expected to take 1–5 days to bind.
Non-renewal / carrier-exit pressure
100/100No recent carrier exits or non-renewals detected in this market.
Cost burden and county comparables
Cost burden
61 / 100 · At market
What's driving this
County premium comparable
68.1/1001 of 2 required lines was benchmarked against a county premium comparable.
Premium relative to home value
39.3/100Required coverage costs about 0.60% of dwelling coverage annually, against a market norm of about 0.42%.
Deductible burden
95.5/100The priced deductible is $1,000, about 0.3% of dwelling coverage.
Three-year rate trend
Not measuredNo 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)
In a full Record, these sections are followed by the per-peril risk profile, insurance estimate, mitigation paths, carrier detail, public records and a map.
Run this on a real address
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day.
How a CoverGuard Record works
Four steps, shown on the Sample CoverGuard Record: create it, share it, refresh it, act on it. The data is illustrative and every figure is labelled observed, derived or modeled.
Step 1 of 4
Check an address, and CoverGuard creates the Record
Type a US address. CoverGuard checks it against public hazard, property and carrier sources and creates a CoverGuard Record. Each Record states five things, separately:
- CoverGuard Score
- one figure from 1 to 10 for how insurable the property is.
- Score band
- the word that goes with the figure, such as Workable or Difficult.
- Decision statement
- what the answer means for your next step.
- Evidence confidence
- how strong the evidence behind the answer is.
- Data condition
- how current and complete the underlying data is.
On the Sample Record
- Source
- 11+ public hazard, property and carrier sources, each named in the Record's evidence
- 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 property itself for hazard data; the state market for carrier availability
- Classification
- Observed, derived and modeled — each fact in the Record is labelled with its own
- What it decides
- The CoverGuard Score and its band are the Record's answer; the decision statement says what to do with it.
- Limitation
- This is the Sample CoverGuard Record: illustrative data for a property that is not real.
- When to refresh
- Every fact shows its age. Anything older than 180 days is marked for review.
Step 3 of 4
Refresh Record when things change
Conditions change. A carrier leaves a market, or a flood map is revised. Refresh Record checks the sources again and dates every fact, so you can see what moved since you last looked.
On the Sample Record
- Source
- The same sources, checked again
- Date
- Each fact is re-dated when it is checked again.
- Classification
- Observed, derived and modeled — each fact keeps its own label
- What it decides
- A changed fact can move the CoverGuard Score, its band or the decision statement.
- Limitation
- A refresh is only as current as its sources. Some public datasets update once a year.
- When to refresh
- Refresh before an offer, and whenever a Record is older than 180 days.
The Sample CoverGuard Record is fixed illustrative data, so it is never refreshed.
Step 4 of 4
Act on it: request a quote
When the answer is workable, request a quote from the Record. The request goes to CoverGuard’s brokerage team, who take it to carriers active in that market.
It is a request, not a quote. Nothing is bindable, and no premium or coverage is promised, until a carrier confirms it.
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
- 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.
A quote request needs a Record of a real property. The Sample CoverGuard Record's property is not real.
Step 1 of 4: Check an address