For real-estate agents
Find out if a home is insurable before your buyer falls in love with it.
Insurance is killing deals it never used to. A quote comes back at four times what the buyer budgeted, or no admitted carrier will write it at all, and you find out five days before closing. Underwrite puts that answer at the front of the deal, where it belongs.
Why agents are here
In wildfire, 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 are the one holding the timeline together, usually with no way to see the problem coming.
Underwrite gives you the same property risk picture a carrier underwriter looks at, in language you can hand a buyer, plus a direct line to brokers who write the hard-to-place. It is not a quote — it is the read you need to advise someone before they write an offer.
Insurability read
Type an address. Get a straight answer.
Every address gets a deterministic Insurability Score — easy, moderate, difficult, or very difficult — built from property facts, hazard data, permits, and public records. Not a guess about 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 of the score
- Says “insufficient data” instead of bluffing when the record is thin
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
Property risk
The whole hazard picture, not just a flood zone.
Wildfire, flood, wind, hail, and earthquake ratings pulled from multiple models, alongside the facts that actually 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 so you can 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
Client-ready reports
Something you can actually send the buyer.
Turn the read into a shareable report — a link or an email — written for someone who does not do this for a living. No login required 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.
Shortlist comparison
Put every home on the list side by side.
Two houses on the same street can be a $6,000-a-year difference 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 |
Document analysis
Read the seller’s policy before the contingency expires.
Drop a declarations page or a carrier quote. You get coverages, deductibles, exclusions, and — most usefully — the specific things worth flagging to your client, in about ten seconds.
- 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
Broker referrals
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 message thread opens between the three of you so nothing goes dark.
- 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. You get a public profile built to rank, and you show up when buyers and homeowners in your area come looking for someone who understands the insurance side of a purchase.
- A public, SEO-built profile per region you claim
- Buyer inquiries from your region route to you
- Region pages you can point clients at as a credibility asset
Example screen from Underwrite. All figures below are illustrative sample data.
- Louisville, COClaim
- Superior, COClaim
- Nederland, COClaim
How it works
Apply for an account
We review every professional before they join, so the network stays made of people actually working transactions.
Run the addresses on your buyer’s list
Type an address, get an insurability read and the full hazard picture in seconds. No vendor portals, no waiting on a quote.
Send the report
Share a clean, branded report with the buyer — or the listing side — so the insurance conversation happens before the contingency deadline, not after.
Hand it to a broker
Refer the client to a broker who writes that market. They get a lead with the property already researched; you get a thread to follow along.
What this is — and what it is not
Underwrite is not an insurer and not a producer. An insurability read is an estimate of insurance availability from property and regional data — not a quote, and not a guarantee of coverage, pricing, or eligibility. Final eligibility depends on carrier appetite, underwriting review, inspection, and claims history. Licensed activity stays with the brokers on the platform, which is exactly why referring is one click.
Stop losing deals to the insurance line.
Apply for an account and claim your market. We review applications by hand and usually get back to you within a day or two.