Coverly vs. Building Your Own

Building your own quote tool costs 6 months and a dev. Coverly costs 90 seconds.

Drag-and-drop survey tools and a custom intake form can't parallel-rate-shop against AIG, Lincoln Financial, Northwestern Mutual, and Pacific Life, AI-score the lead, or capture attribution. Coverly returns 5+ carrier prices from a single intake, tags them hot/warm/cold, and logs every event to contact_events — out of the box, in 90 seconds.

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Feature	Coverly	DIY / Custom Tool
Multi-carrier quoting (5+ carriers, parallel)	✓ 4 carriers in 90 seconds	— 6+ months of engineering
AI lead scoring (hot/warm/cold)	✓ Auto-tagged on submit	— Build from scratch, ongoing ML
Insurance carrier API integration	✓ AIG live + more	— Read every carrier spec yourself
Automated email nurture sequences	✓ Hot/warm/cold cadence	— Add a queue + templates, send cron
CRM with contact history (contact_events)	✓ Full event log per lead	— Schema, indexes, retention policy
Broker/B2B booking flow	✓ Self-serve pilot form	— Build a separate intake + pipeline
Policy lifecycle tracking	✓ Quote → bind → renew	— State machine you'll maintain forever
Insurance-specific workflow builder	✓ Lead → quote → select → nurture	— Glue code and bespoke rules engine

Where Coverly wins

Multi-carrier quoting, parallel — not "build it yourself." One intake fans out to AIG, Lincoln Financial, Northwestern Mutual, and Pacific Life at once and returns their prices in parallel under 90 seconds. A DIY intake needs a developer to read every carrier spec, build a queue, and glue the responses together — and careers at the carrier are not symmetrical.
≈90 seconds vs. ≈6 months of dev work. Coverly compresses the rebuild-the-form-to-collect-the-same-four-fields grind into a single intake. Your producers stop being the dev team and start being the closer team.
Attribution visibility, out of the box. Every quote event is logged in contact_events with partner attribution and source. A custom-built tool logs what your engineer remembered to write — usually a Notes column and a Slack notification.

Where a DIY build wins

Zero contract — you own the code. A custom tool has no third-party counterparty, no rate hike, and no SLA to renegotiate. Total cost of ownership is what your developer costs in salary and benefits.
Infinitely customizable. If your agency has a workflow no vendor has ever heard of, a custom tool can encode it. Coverly ships the insurance-shaped defaults; your edge case is on you.
Fully owned by the agency. The data and the code live on your infrastructure and your git history. Nothing on the platform layer can change a column, deprecate an API, or sunset a feature on you.
Works offline / on your stack. You can run a self-hosted tool behind the agency firewall, with whatever logging and observability stack suits you. Useful for compliance regimes that mandate on-prem.

The cost of building your own quote tool

Every quarter you spend on a custom intake is a quarter your producers aren't calling the leads the system could have already qualified. The four leaks:

Lead-loss math. Up to 60%+ of inbound goes cold before a producer responds while your team waits on a feature flag.
Time-to-first-quote. ~6 months of engineering to ship the v1, vs. Coverly's 90-second intake that returns 4 carriers on day one.
Attribution visibility. "We'll add it later" coverage from a Notes column vs. every event in contact_events covering partner, source, and embed attribution from day one.
Carrier API integration. Read every spec and write a connector yourself vs. Coverly's AIG live + Lincoln/Northwestern/Pacific Life coverage out of the box.

≈6 months

of engineering to ship a custom intake that hits AIG, Lincoln Financial, Northwestern Mutual, and Pacific Life in parallel — the time Coverly compresses to a single form submit

up to 60%+

of inbound leads go cold while your team waits for the custom-built intake to ship — Coverly ships in 90 seconds and tags the lead hot/warm/cold on submit

attribution data points a "we'll add it later" DIY tool surfaces per embed, partner, or campaign — vs. Coverly's contact_events log for every quote the moment the intake goes live

Building your own quote tool costs 6 months and a dev. Coverly costs 90 seconds.

Where Coverly wins

Where a DIY build wins

Stop rebuilding the intake for the sixth time