How-to: Property search

Look up any US property to see its risk, insurability, and which carriers are binding — before you make a move.

Who this is for: everyone — this is the main entry point for every role. Where: the Search tab (/check, results at /search). Time: ~1 min.

Basic search (by address)

1. Click Search in the nav.
2. Type an address, ZIP, or parcel ID. As you type, autocomplete

suggestions appear — pick one.

1. You're taken to the property report (or a results list for a broad query).

An address-shaped query goes straight through — no AI call, instant and free.

Natural-language search

CoverGuard understands intent, not just addresses. Try:

• "flood-prone homes in Austin under $1M"
• "low-wildfire homes near 78737"
• "insurable homes in Tampa, cheapest to insure first"

When your query carries filter or location language, it's parsed into structured filters and the results are filtered and sorted server-side. You can also refine with the on-screen controls:

• Risk band — min/max overall risk, or a per-peril floor.
• Insurability — insurable-only, or difficult-only.
• Sort — by insurability, risk (asc/desc), carrier count, or price.

"Filters partially applied" notice. CoverGuard can only filter on properties it has already assessed (cached risk). If some candidates have no cached risk yet and a hard risk filter is active, they're excluded and you'll see this notice explaining the thin/empty set. Re-run in a moment as data warms, or loosen the filter.

Conversational questions

If your query is genuinely conversational — "which of my saved homes has the worst flood risk?" — CoverGuard escalates to the AI Advisor, which can use search, risk, and carrier tools to answer, rather than dead-ending in a plain search.

Screening many addresses at once (bulk)

Pros can screen a whole list. On the Search page, expand "Screen many addresses at once" and upload a CSV of addresses. Each row resolves to a property and queues a risk backfill. The per-upload row cap is tier-aware:

(Bulk screening is a gated feature; you'll be prompted to upgrade if your plan doesn't include it.)

Tips

• Use the AI Advisor to interpret results ("is this a hard market to place?").
• Save promising properties as you go — see Saving & comparing.
• Prefer a budget-first flow? Use Shop by budget instead of one

address at a time.

Troubleshooting

• No results / can't find an address → try the full street address with city + state,

or a ZIP. See Search & reports.

• Used up my free search → the free tier includes 1 lifetime property search (and 5 AI

interactions); upgrade to keep searching. See Billing & plans.

• Empty filtered set → the "filters partially applied" case above — loosen filters or

wait for risk data to warm.

Do this next

Open a result to read its full report — that's where the risk, cost, carriers, and value impact come together.

• Reading a property report
• Saving & comparing properties
• Shop by budget — search by what you can afford instead