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CoverGuard vs RealReports
AI-powered property reports distributed via CRMLS and other MLSes — bills itself as the 'Carfax for homes.'
RealReports compiles 60+ data providers into one property report with an AI Q&A assistant (Aiden). CoverGuard answers a narrower, higher-value question: can this property actually be insured, by which carriers, at what cost? RealReports is data; CoverGuard is data + carrier writing-status + a quote request that reaches a licensed agent.
| Dimension | CoverGuard | RealReports |
|---|---|---|
| Geographic coverage | All 50 states | National via MLS partnerships |
| Primary use case | Pre-offer insurability decisioning | Property data + AI Q&A |
| Carrier-writing status | Yes — modeled by ZIP + risk tier, sourced live where a feed exists | No — data only, no carrier signal |
| CoverGuard Score | 1–10 composite | Climate-risk + flood-cost estimates |
| Quote-request workflow | In-platform quote request | Not offered |
| Distribution | Direct + integrations | MLS bundled (CRMLS et al) |
| Buyer-facing portal | Yes | Agent / MLS subscriber |
| Lender integration | API / webhook on Lender tier | Not core |
| Commercial parcels | Yes | Residential-led |
| Pricing | Published per tier | Free to MLS members via CRMLS etc |
| AI assistant in-product | CoverGuard Agent (Pro tier) | Aiden Q&A |
When RealReports is the right pick
- • Your MLS already bundles RealReports as a core product and you want broad property data
- • You're using property reports for general due diligence, not insurance decision-making
When CoverGuard is the right pick
- • Your deal is dying at the insurance line, not the property-data line
- • You need a carrier-writing-status read, not just a hazard layer
- • You want a quote-request workflow that reaches a licensed agent, not just a PDF
1 free property search · no credit card required · Or book a demo →
Source for competitor positioning: https://www.rismedia.com/2026/03/10/california-regional-mls-to-offer-ai-powered-realreports-to-all-users-as-no-cost-core-product/. Comparison reflects publicly disclosed positioning as of 2026-09-23. Competitor capabilities change — corrections welcome at hello@coverguard.io.
From the CoverGuard Record to bound coverage — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the CoverGuard Record, models which carriers will write the risk, and pulls back indicative pricing with a quote request — before anyone signs on the dotted line.
Free to start — no credit card required. Available in all 50 states.