CoverGuard tells you — in seconds — whether a US property is insurable, which carriers are actively writing and binding policies there, what coverage will roughly cost, and how all of that moves the property's value. This guide gets you from signup to your first property report.
Time: ~5 minutes. You'll need: an email address.
1. Create your account
There are two front doors, depending on who you are:
| You are… | Sign up at |
|---|---|
| A home buyer / consumer | /register |
| A real estate agent, lender, or insurance pro | /agents/register |
Either page lets you sign up with email + password or Google. At signup you choose your role — Buyer, Agent, Lender, or Insurance Broker. Your role tailors the whole app: which tabs you see, which tools appear, and what the dashboard leads with. Pick the one that matches your job.
Which role should I pick? - Buyer — you're shopping for a home for yourself. - Agent — you represent buyers/sellers and manage clients and deals. - Lender — you underwrite or originate loans and care about collateral insurability. - Insurance Broker — you place and service policies with carriers. "Company Admin" and "CoverGuard Admin" are not self-selectable — they're assigned. Don't worry if you don't see them.
Already have an account? Sign in at /login (consumer) or /agents/login (pro). Forgot your password? Use /forgot-password.
2. Accept terms & disclosures
The first time you sign in, you land on the onboarding screen (/onboarding). You must accept the terms and disclosures before you can use the app — this is required once. If you signed up with Google and skipped it, you'll be redirected back here until you accept.
3. Meet your dashboard & the welcome walkthrough
After onboarding you arrive at your Dashboard. The first time, a short welcome walkthrough opens — a persona-aware, multi-step wizard that drops you onto your single highest-value first action (for a buyer, a sample property check; for an agent, your pipeline), then walks you through the critical moves for your role.
- Use Next / Back (or the ← / → arrow keys) to page through; Esc closes it.
- Every role's walkthrough includes a step to activate a digital agent — your
automations ship switched off, and this nudges you to turn one on.
- You can reopen the walkthrough anytime; progress is saved to your account, so it
won't nag you again once you've been through it.
Over your first three weeks you'll also see occasional milestone tips — calm corner pop-ups pointing you at a feature you haven't tried yet, plus a matching email. Dismiss any you don't want; it won't affect the others. To stop the whole drip, open a tip and choose the opt-out.
4. Learn the navigation
The top nav bar (a menu drawer on mobile — tap the ☰ icon) shows a Platform zone of tabs. You only see the tabs relevant to your role, so your set may be shorter than this full list:
| Tab | What it's for |
|---|---|
| Search | Look up any US address for risk + insurability. Your main entry point. |
| Shop by budget | Set a price and insurance budget and get back homes that fit both. |
| Property | Your saved properties and generated reports. |
| Dashboard | Your role-aware home — KPIs, "do next" actions, recent activity. |
| Agents | Your digital agents (automations) that run jobs for you. (Agent/Insurance by default) |
| Toolkit | Every calculator and lookup enabled for your role (mortgage, tax, schools…). |
| Sys Admin | Integrations hub + developer/API console + feature-flag demo controls. |
| Observability | Internal platform monitoring. (CoverGuard staff only.) |
Top-right you'll find the notification bell, the Help (?) icon, your avatar (→ Account & settings), and Sign out.
The AI Advisor panel sits on the right of every page (or as a bubble bottom-right on mobile). It's context-aware — ask it about the property you're viewing, how a score is calculated, or how to do something in CoverGuard.
5. Run your first property search
- Click Search in the nav.
- Type an address (e.g.
123 Main St, Austin TX) — or try natural language
like "low-wildfire homes near 78737". Pick a suggestion.
- You get a property report that leads with the answer: overall risk and cost
to insure → which carriers are binding and at what indicative premium → how risk moves the value. Deeper sections (per-peril detail, mitigation, map, photos) follow below.
See Reading a property report for a full tour of what everything means.
6. Do the two or three things that matter for your role
Now jump to your role's onboarding guide — it lists the first-week essentials:
Free tier & upgrading
You can start free. The free tier has hard caps — 1 property search and 5 AI interactions lifetime — so you can try CoverGuard before you pay. Paid plans (Individual, Professional, Team) lift the caps and unlock pro features (client management, quote requests, analytics, branded reports, alerts, API, and more). See Teams, seats & billing and the /pricing page.
If a feature shows an upgrade prompt or a lock, that feature needs a higher plan for your role — see Billing, plans & paywalls.
Trouble getting in?
See Account, login & onboarding troubleshooting for signup errors, the onboarding redirect loop, Google sign-in, and password resets.