Rate Guard

Protect your home. Secure your insurance. RateGuard is the trusted standard for wildfire insurability. In a collapsing property insurance market, RateGuard gives you a standardized, fraud-proof digital portfolio to prove your property-level mitigation directly to insurance carriers and independent brokers. Whether you have received a non-renewal notice, are trapped on a state FAIR plan, or are trying to unlock state-mandated premium discounts (like California's "Safer from Wildfires" or New Mexico's HB 204), RateGuard bridges the data gap to protect your most valuable asset. Why RateGuard? Standardized Verification: Built by a team with over two decades of frontline fire service experience and 13 years developing specialized fire department software. Fraud-Proof Evidence: Step-by-step guided checklist ensures your defensible space, home hardening, and mitigation efforts are documented with immutable, verifiable digital evidence. Broker-Ready Export: Generate a professional "Proof of Mitigation" certificate to hand to your broker or carrier to prove your home is insurable. Continuous Tracking: Track your score changes as you perform property improvements over time. Don't let unquantified risk leave you uninsured. Score your home, lower your risk profile, and secure your property insurance with RateGuard today.