The AI Advisor is your always-on assistant for risk, carriers, and getting things done faster. BYOK lets you run CoverGuard's AI on your own provider key instead of the managed one.
Who this is for: Everyone — the Advisor and BYOK are available on every plan and to every role.
The AI Advisor
Where: the panel on the right of every logged-in page (desktop), or the launcher bubble bottom-right (mobile / when minimized). It's on for every role by default.
What it can do: it's context-aware and agentic — it can search properties, pull risk and carrier data, and reason across your saved homes and clients. Ask things like:
- "Is this property insurable, in plain English?"
- "Which of my saved homes is cheapest to insure?"
- "Draft a client-ready insurability summary for this address."
- "Which two properties should I compare?"
It also powers the click-saver helpers across the app — extracting policy fields from a pasted declarations page, parsing a pasted contact into a client, suggesting quote details, tailoring report copy, and more.
Free tier: AI interactions are capped at 5 lifetime on the free tier. Upgrade to keep using it.
The Advisor is decision support and can make mistakes. For binding quotes or account changes, use the real workflows / contact support.
Bring-your-own-key (BYOK)
By default your AI runs on CoverGuard-managed AI. If you'd rather use your own provider account (so AI spend is billed to you, not counted against CoverGuard), connect a BYOK key.
Connect your key
- Account → Settings → AI & Models.
- Paste your provider API key. CoverGuard validates it live, then stores it
encrypted at rest (AES-256-GCM). It's decrypted only server-side at call time and is never returned by any API — you only ever see a redacted prefix.
- Once active, your own actions run on your key; the redacted prefix + status show in the
panel.
BYOK is free and available to every role — you don't need a paid plan to connect your own key. Key-save attempts are rate-limited to blunt abuse.
Remove your key
Delete it from the same panel to revert to CoverGuard-managed AI.
Admin-provisioned keys
A CoverGuard super-admin can set up a key on your behalf from the admin console (audited, refused for admin targets) — useful for white-glove onboarding.
What always uses the managed key (not your BYOK key)
- CoverGuard super-admins always use the managed key.
- Act-as (impersonation) sessions force the managed key — a staffer viewing your account
never touches your key or spend.
- Shared/system work like report-staleness assessment and staff→user outreach drafting.
Troubleshooting
- "Your key stopped working — re-connect" → your provider rejected the key (rotated,
revoked, or out of quota). Re-enter a good key; the status flips back to active. CoverGuard auto-falls-back to the managed key so you're not stranded.
- Advisor returns 503 / agent runs FAILED → no usable AI key (managed key unset and no
BYOK). See AI & agents.
- "Try again" on saving a key → a transient provider outage means validation was
inconclusive; retry shortly (a good key is never rejected for a transient outage).
- Out of AI interactions → free tier is 5 lifetime; upgrade.
Do this next
Open the Advisor on any property and ask it, in plain English, whether the home is insurable — then, if you'd rather run on your own key, connect it under Account → Settings → AI & Models.
- Digital agents (automations) — put the same AI on a schedule
- Reading a property report — what the Advisor reasons over
- AI & agents troubleshooting