For real estate agents
Know if a home is insurable before your buyer falls in love with it.
Insurance is killing deals it never used to - and you usually find out five days before closing. Underwrite puts that answer at the front of the deal, where it belongs.
- Works on any US address
- Account live instantly
Wildfire exposure and a 22-year roof are what a carrier will price.
In fire, wind and flood country, insurability is now a condition of the deal.
Lenders need a bound policy, and the policy is the thing that falls through. You hold the timeline together - usually without seeing the problem coming.
Quotes come back at 4× budget
Or no admitted carrier will write the home at all.
You find out days before closing
After the contingency deadline, when options are few.
Underwrite shows it up front
The risk picture an underwriter sees, in language you can hand a buyer - before anyone writes an offer.
From shortlist to closing, without insurance surprises
Follow one buyer weighing 1420 Ridgecrest Drive in Boulder.
Type an address. Get a straight answer.
Every address gets an educational insurability read - easy, moderate, difficult or very difficult - built from property facts, hazard data, permits and public records. Not a price: a read on whether coverage will be there at all.
- Works on any US address, listed or not
- Plain-language reasons on both sides
- Says "insufficient data" instead of bluffing
Example screen from Underwrite. All figures below are illustrative sample data.
- 1420 Ridgecrest Drive, Boulder, CO 80302
- 1420 Ridgecrest Court, Longmont, CO 80503
Most admitted carriers will decline this address. Surplus-lines markets should quote it, likely with a percentage wildfire deductible and a roof condition requirement.
- Fire protection class 4Hydrant and staffed station nearby
- No open claims on recordClean five-year loss history
- High wildfire exposureBrush within 100 ft on two sides
- Roof age 22 yearsAsphalt shingle, replaced 2004
The whole hazard picture, not just a flood zone.
Wildfire, flood, wind, hail and earthquake ratings from multiple models, alongside the facts that drive an underwriter's decision - protection class, flood zone, construction, roof age and replacement cost.
- Multiple hazard models, reconciled into one view
- Public records and the MLS listing cross-checked, with conflicts surfaced
- Replacement cost to sanity-check the buyer's coverage math
Example screen from Underwrite. All figures below are illustrative sample data.
- 22WildfireBrush within 100 ft
- 88FloodZone X, outside 500-yr
- 61WindChinook downslope corridor
- 34HailFront Range hail alley
- 92EarthquakeLow regional seismicity
Something you can actually send the buyer.
Turn the read into a shareable report - a link or an email - written for someone who doesn't do this for a living. No login on their end, and you can see when they opened it.
- Share by link or send straight to their inbox
- Consumer-safe language: band and reasons, never internal scoring
- View tracking so you know the conversation landed
Example screen from Underwrite. All figures below are illustrative sample data.
Wildfire exposure and a 22-year-old roof are the two things a carrier will price. Most admitted carriers will decline; surplus lines should quote with a wildfire deductible.
Put every home on the list side by side.
Two houses on the same street can be thousands a year apart in carrying cost. Run the shortlist together and the insurability gap shows up next to the list price, before anyone writes an offer.
- Compare insurability across the homes your buyer is weighing
- Estimated annual premium range per address
- The one thing a carrier will flag on each, in a sentence
Example screen from Underwrite. All figures below are illustrative sample data.
| Home | Insurability | Est. annual premium | What a carrier will flag |
|---|---|---|---|
1420 Ridgecrest Dr Boulder, CO | Difficult | $6,800 – $9,400 | Wildfire + 22-yr roof |
88 Larkspur Ln Longmont, CO | Easy to Insure | $2,100 – $2,900 | None flagged |
3005 Canyon Rim Ct Lyons, CO | Very Difficult | Surplus lines only | Brush within 30 ft, PC 9 |
Read the seller's policy before the contingency expires.
Drop a declarations page or a carrier quote. You get coverages, deductibles, exclusions and the specific things worth flagging to your client.
- Declarations pages and carrier quotes both supported
- Percentage deductibles translated into real dollars
- Gaps called out in plain English, not policy-speak
Example screen from Underwrite. All figures below are illustrative sample data.
- Dwelling (Coverage A)
- $980,000
- All-peril deductible
- $2,500
- Wildfire deductible
- 5% ($49,000)
- Loss of use
- $196,000
Hand it to someone who can actually place it.
When a home needs a specialist, pick a broker who writes that market and refer the client directly. The property arrives in their pipeline already researched, and a thread opens between the three of you.
- You choose the broker - no black-box round-robin
- The referral carries the property, the risk read and your notes
- A shared thread keeps you in the loop through placement
Example screen from Underwrite. All figures below are illustrative sample data.
Brokers licensed and claiming a region near 1420 Ridgecrest Drive.
- DWD. WhitfieldWhitfield Risk PartnersBoulder County, COWildfireSurplus lines
- ROR. OkonkwoFront Range Insurance GroupDenver Metro, COHigh-value homes
- SMS. MarchettiMarchetti & Co.Larimer County, COAdmittedFarm & ranch
Your market
Claim your market and get found in it
Put your name on the regions you work. Buyers and homeowners looking for someone who understands the insurance side of a purchase find you.
- A public profile for every region you claim
- Buyer inquiries from your region come to you
- Region pages you can share with clients as a credibility asset
Example screen from Underwrite. All figures below are illustrative sample data.
- Louisville, COClaim
- Superior, COClaim
- Nederland, COClaim
How it works
- 1
Create an account
Sign up with your work email - account and public profile go live straight away.
- 2
Run your buyer's list
Insurability read and full hazard picture on every address, in seconds.
- 3
Send the report
Share a clean report so the insurance conversation happens before the deadline.
- 4
Hand it to a broker
Refer to a broker who writes that market, and follow along in a shared thread.
Agent questions
Is an insurability read a quote?
No. It's an educational estimate of insurance availability from property and regional data - not a quote, and not a guarantee of coverage, pricing or eligibility. A broker gets the actual quotes.
Does it work on homes that aren't listed?
Yes. It works on any US address, listed or not. Where there's an MLS listing we cross-check it against public records; where the record is too thin for an honest read, it says so.
What does my buyer see?
The band - easy, moderate, difficult or very difficult - and the plain-language reasons behind it, never internal scoring. They open it from a link or email without signing in, and you can see when they did.
How do broker referrals work?
You pick a broker who writes that market and refer the client. The property, the risk read and your notes arrive in their pipeline already researched, and a shared thread keeps you in the loop through placement.
Stop losing deals to the insurance line.
Create an account and run your buyer's shortlist today.