Last updated: March 26, 2026
By accessing or using CoverGuard (“the Platform”), you agree to be bound by these Terms of Use (“Terms”), our Privacy Policy, and any supplemental terms presented during registration. If you do not agree to these Terms, do not use the Platform. These Terms apply to all visitors, users, and others who access or use the Platform.
CoverGuard provides property risk intelligence and insurance information tools for real estate professionals, lenders, and home buyers. The Platform aggregates publicly available data from sources including FEMA, USGS, Cal Fire, and FBI Crime Data to provide risk assessments, insurance cost estimates, and carrier availability information.
All information provided on CoverGuard is for informational and educational purposes only. Nothing on the Platform constitutes:
You should consult a licensed insurance professional before making any insurance or real estate decision.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to: (a) create only one account per individual; (b) provide accurate, current, and complete registration information; (c) use a strong, unique password of at least eight characters; (d) enable multi-factor authentication where available; and (e) notify us immediately at security@coverguard.com upon discovering any unauthorized use or suspected compromise of your account. CoverGuard is not liable for any loss or damage arising from your failure to maintain account security.
You agree not to:
Violation of this Acceptable Use policy may result in immediate suspension or termination of your account, and we reserve the right to report violations to applicable law enforcement authorities.
CoverGuard makes reasonable efforts to provide accurate and current information, but makes no warranties or representations regarding the accuracy, completeness, or timeliness of any data on the Platform. Risk scores and insurance estimates are derived from third-party data sources that may be incomplete, outdated, or inaccurate for specific locations. You acknowledge that all data is provided for informational purposes and should be independently verified before making any decision.
We treat all non-public information you provide through the Platform as confidential and handle it in accordance with our Privacy Policy. You agree to treat all proprietary data, risk scoring methodologies, carrier intelligence, and non-public information made available to you through the Platform as confidential and to not disclose such information to any third party without our prior written consent.
The Platform and its original content, features, functionality, risk scoring algorithms, and data models are owned by CoverGuard, Inc. and are protected by copyright, trademark, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission. You retain ownership of any data you submit to the Platform, and grant us a limited license to use that data solely to provide and improve the Platform.
We use commercially reasonable efforts to maintain the availability of the Platform. However, we do not guarantee uninterrupted or error-free access. The Platform may be temporarily unavailable due to scheduled maintenance, system upgrades, or circumstances beyond our reasonable control. We will make reasonable efforts to provide advance notice of planned downtime when feasible.
To the fullest extent permitted by applicable law, CoverGuard, Inc., its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising from your use of or inability to use the Platform, even if advised of the possibility of such damages. In no event shall our total aggregate liability exceed the greater of (a) the amounts paid by you to CoverGuard in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100).
The Platform is provided on an “AS IS” and “AS AVAILABLE” basis without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of data. CoverGuard does not warrant that the Platform will be secure, error-free, or available at all times.
You agree to indemnify, defend, and hold harmless CoverGuard, Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of or access to the Platform; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property or privacy right; or (d) any claim that your actions caused damage to a third party.
We reserve the right to terminate or suspend your account and access to the Platform at our sole discretion, with or without notice, for conduct that we believe violates these Terms, is harmful to other users or the Platform, or for any other reason. Upon termination, your right to use the Platform ceases immediately. You may delete your account at any time through Account Settings. Sections 7, 8, 10, 11, 12, 14, and 15 survive termination of these Terms.
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or the Platform shall first be submitted to good-faith mediation. If mediation is unsuccessful, disputes shall be resolved in the state or federal courts located in Wilmington, Delaware, and you consent to the exclusive jurisdiction of those courts.
We reserve the right to modify these Terms at any time. We will notify users of material changes by updating the “Last updated” date, sending an email to the address associated with your account, and, where required by law, obtaining your renewed consent. Your continued use of the Platform after the effective date of any changes constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Platform.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
If you have questions about these Terms, please contact us at legal@coverguard.com.