Know whether you can insure it —before you bid.
The only national platform that combines carrier-grade risk data, live carrier-writing status, and binding-quote requests for any U.S. property. Flood, fire, wind, earthquake, and crime — scored from 12+ public data sources, with a 1–10 insurability score on every property. All 50 states. Every transaction. Day one.
Available in all 50 states · 500+ professionals · agents, brokers, lenders & insurers
How it works
Property risk → Carrier availability → Quote
Three steps. One platform. Built so agents, brokers, lenders, and insurers never get blindsided by a deal-killing insurance issue again.
Property Risk — Done Right
Composite risk scoring from 12+ public sources — FEMA, USGS, NOAA, Cal Fire, USFS, FBI, ASCE 7, and the Esri Living Atlas (flood, wildfire, hurricane tracks, drought, social vulnerability, landslide). One score, every hazard, sourced and auditable — not a black-box vendor model.
Carrier Availability — In That ZIP
State Farm, Allstate, and Farmers have pulled out of California, Florida, and Texas. We map carrier appetite to the exact ZIP and risk profile — so you know who is still writing before you waste a quote request. Updated continuously.
Quotes & Cost-to-Insure
From address lookup to a binding-ready quote in 90 seconds. CoverGuard turns the risk score and carrier list into an estimated annual premium and a one-click quote request — so the deal team knows the cost-to-insure before any offer is signed.
How It Works
From address to insured — in minutes
CoverGuard fits directly into your existing workflow — whether you're buying a home, closing a deal, approving a loan, or writing a policy.
Enter Any Property Address
Before your client makes a move, run the check. Enter any U.S. address to instantly pull property details and match them against CoverGuard's federal and state risk database.
Get a 90-Second Multi-Peril Report
CoverGuard pulls from FEMA, USGS, NOAA, Cal Fire, USFS, FBI, ASCE 7, and the Esri Living Atlas — 12+ public sources, sourced and auditable, in one multi-peril report in under 90 seconds.
See Which Carriers Are Still Writing
Check the real-time carrier dashboard for that specific ZIP code and risk profile. Know exactly which insurers are actively binding policies — and which ones have exited the market.
Request a Binding Quote
Send a quote request directly to active carriers on the platform. No more calling around. Go from insurability check to binding quote request in one workflow — before the offer is signed.
Built for every role in real estate
Home Buyers
Buying a home? Check property risks and insurance availability before you make an offer. Start free — your first 3 reports are on us.
Residential Agents & Brokers
Run a pre-offer insurability check on every listing. Stop deals from falling through at the closing table because of insurance surprises.
CRE Agents & Brokers
Evaluate commercial property risk, environmental exposure, and carrier availability for commercial deals — before investor due diligence.
Lenders
Verify insurability before loan commitment. Eliminate last-minute closing delays caused by properties that can't secure adequate coverage.
Insurance Brokers
Pre-qualify inbound leads, screen portfolios for risk exposure, and integrate CoverGuard risk data into your underwriting workflow via API.
Why CoverGuard
What only we can say in 2026.
One direct competitor — California-only, with a public goal of multi-state by end of 2026. Adjacent layers serve carriers (not the transaction). New-construction embedded plays only cover builders. CoverGuard is the only platform that combines risk, carrier writing-status, and binding workflow nationally — for resale and new construction alike, agents and consumers alike.
All 50 states. Day one.
CoverGuard is national from launch. Other agent-facing insurability tools have rolled out one state at a time.
12+ public data sources.
FEMA, USGS, NOAA, Cal Fire, USFS, FBI, ASCE 7, and the Esri Living Atlas. Sourced, auditable, no black-box ML.
Risk + carrier + binding quote — one workflow.
Carrier-side incumbents stop at risk scores. Quote/bind platforms stop at quotes. We deliver the whole chain.
Two portals, one data spine.
Buyer’s agent on one side, listing agent on the other, the buyer in the middle — same property record across the table.
| Platform | Risk data | Carrier writing-status | Binding quote | National | Agent + Consumer |
|---|---|---|---|---|---|
| CoverGuard | |||||
| Rhino DealShield (CA only · multi-state by EOY 2026) | |||||
| ZestyAI / CAPE (Moody’s) / Betterview | |||||
| HazardHub / LexisNexis | |||||
| First Street Risk Factor (Zillow removed Dec 2025) | |||||
| Westwood Insurance (new construction only) | |||||
| CoverForce (commercial) |
Comparison reflects publicly disclosed positioning as of May 6, 2026. Competitor capabilities change frequently. Notable May 2026 updates: Rhino announced a multi-state expansion goal for end of 2026; Zillow removed embedded First Street climate scores from listings in December 2025; Cape Analytics now operates as part of Moody’s.
Investors
Interested in investing?
We're building the data infrastructure layer for property insurance decisions. If you're interested in learning more about investment opportunities, we'd love to hear from you.
investor@coverguard.io
Stop losing deals to insurance surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard puts the insurability check where it belongs — before anyone signs on the dotted line.
Whether you're a home buyer, agent, broker, lender, or insurer — CoverGuard gives you the risk intelligence to move forward with confidence. Individuals get 3 free reports to get started.
Free to start — no credit card required. Available in all 50 states.