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CoverGuard vs RealReports
AI-powered property reports for real estate professionals, distributed through CRMLS and other MLSes, which CRMLS calls the 'Carfax for homes.'
RealReports compiles 100+ data sources into one property report with an AI assistant (Aiden). CoverGuard answers a narrower, higher-value question: how insurable is this property, which carriers are likely writing it, and at roughly what cost? RealReports is data; CoverGuard is data, a modeled view of likely carriers, and a quote request to CoverGuard's brokerage team.
CoverGuard and RealReports, row by row
| Capability | CoverGuard | RealReports | Verified |
|---|---|---|---|
| Geographic coverage | All 50 states | National via MLS partnerships | realreports.aiChecked 2026-10-10 |
| Primary use case | Pre-offer insurability decisioning | Property data + AI Q&A | realreports.aiChecked 2026-10-10 |
| Which carriers are likely writing | Yes — modeled for the state market and risk profile until a live carrier feed is connected | No — data only, no carrier signal | realreports.aiChecked 2026-10-10 |
| CoverGuard Score | 1–10 composite | Hazard flags (flood zone, wildfire, natural-hazard signals); no insurability score | realreports.aiChecked 2026-10-10Corrected on re-check |
| Quote-request workflow | In-platform quote request | Not offered | realreports.aiChecked 2026-10-10 |
| Distribution | Direct + integrations | MLS bundles (incl. CRMLS) plus direct agent and brokerage accounts | realreports.aiChecked 2026-10-10Corrected on re-check |
| Buyer-facing portal | Yes | Agent / MLS subscriber | realreports.aiChecked 2026-10-10 |
| Lender integration | API / webhook on Lender tier | Not advertised | realreports.aiChecked 2026-10-10Corrected on re-check |
| Commercial parcels | Yes: hazard data and a score; the carrier view covers personal lines only | Residential-led | realreports.aiChecked 2026-10-10 |
| Pricing | Published per tier | No cost to CRMLS users; no public price list | go.crmls.orgChecked 2026-10-10Corrected on re-check |
| AI assistant in-product | CoverGuard Agent (Pro tier) | Aiden Q&A | realreports.aiChecked 2026-10-10 |
Comparisons reflect publicly available information on the dates shown and are not a statement about RealReports’s current product. Nothing here is a promise of coverage, premium or bindability.
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 read on which carriers are likely writing, not just a hazard layer
- You want a quote-request workflow that reaches a brokerage team working with licensed insurance partners, not just a PDF
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. · Or book a demo
Primary source for competitor positioning: https://www.realreports.ai/realreports. Verified against RealReports's own public pages on 2026-10-10 — the Verified column names the page for each row; due for re-review by 2027-01-08. Competitor capabilities change — corrections welcome at hello@coverguard.io.
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.