Pricing
Plans for every role in real estate
Whether you're a home buyer, agent, broker, lender, or insurance broker — CoverGuard has a plan built for you. Home buyers start free with 1 property search and 5 AI Advisor questions.
Free
For homeowners and buyers exploring a property before they commit.
- 1 property search — free forever
- 5 AI Advisor questions
- Risk profiles (flood, fire, wind, earthquake, crime)
- Carrier availability lookup
- Save 1 property
- Email support
Home Buyer Pro
For active home buyers who need more reports and deeper insights.
- 25 property reports per month
- Everything in Free
- All out-of-the-box AI Agents included — on by default to watch your home & coverage
- Side-by-side property comparison
- Insurance cost estimates
- Search history & saved reports
- Priority email support
The AI Agents included with every plan for Home Buyers
Every CoverGuard subscription comes with a starter fleet of out-of-the-box AI Agents tailored to how home buyers work — installed and running from day one. Pause, retune, or add your own anytime.
Best-Coverage Optimizer
Always-on re-shopping so your properties never miss better-priced coverage.
Every week
My Home Coverage Optimizer
Keeps re-shopping coverage for the home you actually live in — not just properties you searched.
Every month
Saved Property Risk Watch
Be the first to know when a saved property's risk profile shifts.
Every day
Hurricane-Season Coastal Sweep
Stay ahead of wind-storm pressure on coastal exposures.
Every week
Wildfire Risk Audit
Re-grade wildfire exposure as fire seasons shift.
Every week
Renewal Risk Pulse
See which renewals are about to get hard before the renewal hits.
Every week
Pre-Bid Insurability Check
Know if a house is insurable before you write the offer.
On demand
7 ready-to-run agents, included with your subscription — no add-on required.
What unlocks at each plan for Home Buyers
Every capability below is tuned to how home buyers work. A check means it's included at that plan and above.
| Capability | Free Free | Individual $29/mo | Professional $79/mo | Team From $199/mo |
|---|---|---|---|---|
Property Search Search any US property for risk and insurability data. | ||||
Saved Properties Save properties to your dashboard for easy access later. | ||||
AI Advisor & Agents Ask the CoverGuard AI Advisor about flood zones, carriers, and insurability — and get every out-of-the-box AI Agent on by default, included with your subscription. | ||||
Risk Profiles View flood, fire, wind, earthquake, and crime risk scores. | ||||
Carrier Availability See which insurance carriers are actively writing policies. | ||||
Insurance Cost Estimates Get estimated annual insurance premiums for any property. | — | |||
Binding Quote Requests Request binding quotes directly from active carriers. | — | — | ||
Property Comparison Compare up to 3 properties side-by-side. | — | — | ||
Analytics & Search History Track your search history, risk distributions, and activity. | — | — | ||
Professional Risk Reports Generate professional PDF risk reports for clients. | — | — | ||
Priority Support Get faster responses from our support team. | — | — | ||
Custom AI Agents Build your own digital agents on top of the included out-of-the-box fleet — monitor carriers, risk, and listings on autopilot. | — | — | ||
API Access Access CoverGuard data via our REST API. | — | — | — |
A in brand color marks the plan where each capability first unlocks.
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