Your model ranks people for housing. That decision is the claim.Founded by a software developer who runs an AI app.
We insure tenant screening, automated valuation, rent pricing, listing and property management software with technology E&O, cyber and media coverage, written for the claim these products draw: a fair housing or consumer reporting complaint over what a score did to one applicant. No other policy in the chain is built to answer it cleanly.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
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The person placing your tech E&O runs an app with an AI coach of his own.
Kevin Kelsey
Founder | Principal Agent
Boring’s founder, Kevin Kelsey, owns and runs TrainRec, a fitness app with a built-in AI coach, and has placed insurance for AI apps. Insuring his own taught him how an underwriter reads a model. Personal guidance from an AI reads more like the work of a professional than like software, technology E&O forms commonly exclude bodily injury, and not every form will add it back. So whether your app answers money, health, hiring or farming questions, the gap between what it says and what the policy covers gets read by someone who has had to close it for his own product.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What proptech or real estate AI company businesses actually need.
Technology E&O
Claims that your software gave a wrong or unfair result that cost someone money or housing: a score that screened out an applicant, a valuation that misstated a home, a pricing tool that moved rents.
Without it — Standard forms are written for software that fails or is late. A claim that the software worked as designed and still discriminated needs to be named in the wording, including regulatory defense.
Cyber & tech E&O
Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
Without it — Applicant files hold Social Security numbers, income, eviction and criminal history. A breach there is notified to every applicant and drawn into a regulator inquiry.
Media liability
Covers claims arising from what you publish (defamation, copyright and trademark infringement, invasion of privacy and misuse of a person’s likeness) on an annual policy for creators, podcasters, publishers and authors.
Without it — Listing descriptions, AI-written ads and generated photos of a unit are published material. A claim that a listing misdescribed a home, or that generated images used someone’s property or likeness, is a media claim.
Real estate errors and omissions
The professional liability an agent or broker carries for their own advice and transactions.
Without it — It follows the licensed person, not the software company. A proptech vendor selling to agents cannot lean on a customer’s policy, and a customer’s policy often excludes what the vendor’s tool produced.
Property manager coverage
The policies a landlord or property management company carries for operating buildings and applicants’ complaints.
Without it — The operator’s policy may cover its own screening decision. It does not cover the vendor that built the score, and the operator will push the claim back to you by contract.
What the regulators actually wrote down.
Louis v. SafeRent Solutions, LLC, No. 1:22-cv-10800 (D. Mass.), was filed May 25, 2022 and alleged disparate impact under the Fair Housing Act and Massachusetts law over the SafeRent tenant score. On July 26, 2023 the court let the disparate impact claims against SafeRent go forward.
Civil Rights Litigation Clearinghouse, Case: Louis v. SafeRent Solutions, LLC, summarizing the docket and the court’s July 26, 2023 order · checked 2026-11-01
The court granted final approval of the SafeRent settlement on November 20, 2024. SafeRent agreed to pay up to 2.275 million dollars, including up to 1.175 million dollars in cash payments to eligible class members, and, for applicants using housing vouchers, to stop giving approve or decline recommendations from its scoring model unless civil rights experts have validated it.
Civil Rights Litigation Clearinghouse, Case: Louis v. SafeRent Solutions, LLC (settlement agreement and final approval order linked from the case page) · checked 2026-11-01
The Fair Credit Reporting Act requires a consumer reporting agency preparing a consumer report to follow reasonable procedures to assure maximum possible accuracy of the information about the person the report concerns.
Fair Credit Reporting Act section 607(b), 15 U.S.C. 1681e(b) · checked 2026-11-01
The CFPB counted about 26,700 tenant screening complaints from January 2019 through September 2022, more than 17,200 of them about incorrect information on a renter’s report, and said some tenant screening companies are not meeting the FCRA accuracy requirement.
Consumer Financial Protection Bureau, Consumer Snapshot: Tenant background checks (November 2022) · checked 2026-11-01
The interagency rule on quality control standards for automated valuation models was published in the Federal Register on August 7, 2024 (89 FR 64538) and took effect October 1, 2025. It requires covered lenders to adopt controls for confidence in estimates, protection against data manipulation, conflicts of interest, random sample testing and compliance with nondiscrimination laws.
Federal Housing Finance Agency, Quality Control Standards for Automated Valuation Models, final rule · checked 2026-11-01
On January 14, 2026 HUD proposed removing its Fair Housing Act discriminatory effects regulation (24 CFR 100.500) and leaving questions of disparate impact liability to the courts, with comments due February 13, 2026.
Federal Register, HUD proposed rule (January 14, 2026), document 2026-00590 · checked 2026-11-01
On November 24, 2025 the Justice Department announced a proposed consent judgment with RealPage in the United States’ antitrust suit over rent-pricing software. It would bar RealPage from using competitors’ nonpublic information in live pricing, limit model training to nonpublic data at least 12 months old, and require a court-appointed monitor, subject to court approval after public comment.
U.S. Department of Justice, Office of Public Affairs, Press Release 25-1111 (November 24, 2025) · checked 2026-11-01
The claims we actually see.
Ordered by how often we see them, not by how dramatic they are. Each one names the coverage that answers it — and the policy people wrongly assume already does.
Most common
An applicant says an automated screening score denied them housing unfairly
Covered by Technology E&O with regulatory defense, plus a review of the contract
The landlord’s real estate E&O covers its own advice, and a generic tech E&O is written around software failing. A discrimination allegation falls between them, and policies often carve out intentional or statutory violations.
Common
A screening report contains wrong information and the person cannot get it fixed
Covered by Technology E&O, with consumer reporting claims read for exclusions
Fair Credit Reporting Act claims are a standing source of class actions against screening companies. Some forms exclude statutory claims of this kind, so the exclusion list matters more than the limit.
Less common, severe
A valuation or rent recommendation is wrong and a lender or owner relies on it
Covered by Technology E&O, financial loss
A valuation that feeds a lending decision now sits under a federal quality control rule for the lender, and the lender will ask you to show your controls and carry coverage.
Less common, severe
A regulator or plaintiff alleges your pricing software helped landlords coordinate rents
Covered by Technology E&O and D&O, wording dependent
Antitrust allegations are often excluded from tech E&O outright. A government suit against a rent-pricing vendor shows the claim exists, so ask how the form treats it before you rely on it.
What our proptech or real estate AI company clients ask us.
Why does a proptech company need a page of its own?
A generic software page is about money lost when the code fails. A proptech product decides something about a person: whether they get the apartment, what their home is worth, what rent they pay. That puts it under fair housing and consumer reporting rules, and the policies in the chain, a landlord’s real estate E&O and a vendor’s tech E&O, each lean on the other when an applicant complains. Read both together.
What will the underwriter ask a proptech company?
What the model decides versus what it only suggests, and whether a person reviews a denial. Which inputs it uses, whether it has been tested for disparate impact, and whether you can show that test. Which vendor or model sits underneath, whether decisions are logged and explained to the applicant, and whether you are a consumer reporting agency. Add your customer count, number of applicants scored or homes valued a year, revenue, the states you operate in, your contracts with their indemnity clauses, and any complaint or regulator letter.
Does a landlord’s real estate E&O cover our screening tool?
Generally not. Real estate E&O follows a licensed agent’s or broker’s own advice, and a landlord’s policy answers claims against the landlord. Neither is written for the company that built the score, and the landlord’s contract will usually have you indemnify them. Look at the indemnity before you look at their policy.
What happened in the SafeRent case?
In Louis v. SafeRent Solutions, filed May 25, 2022 in federal court in Massachusetts, renters alleged disparate impact from the SafeRent tenant score under the Fair Housing Act and state law. The court let the claims against SafeRent go forward in July 2023, and approved a settlement on November 20, 2024 of up to 2.275 million dollars. SafeRent also agreed to stop giving approve or decline recommendations for voucher applicants unless civil rights experts validate the model. The case is why an underwriter asks about testing for bias.
Is a tenant screening company covered by the Fair Credit Reporting Act?
A company that assembles reports used to decide on housing is generally treated as a consumer reporting agency, and the statute requires reasonable procedures to assure maximum possible accuracy. The CFPB has reported tens of thousands of tenant screening complaints, most about wrong information. Tell the underwriter whether you operate as a reporting agency, because it changes which claims you face and how a policy treats statutory ones.
Is the Fair Housing Act disparate impact rule still in force?
It is in flux. HUD’s regulation on discriminatory effects was reinstated in 2023, and in January 2026 HUD proposed removing it and leaving the question to the courts. The SafeRent case proceeded on a disparate impact theory under the statute itself, so treat the exposure as live while the rule changes, and check the current status with counsel.
We make an automated valuation model. What do lenders now require?
A federal quality control rule for automated valuation models, published August 7, 2024 and effective October 1, 2025, makes covered lenders adopt controls for confidence in estimates, data manipulation, conflicts of interest, random sample testing and compliance with nondiscrimination laws. A lender buying your model will push those expectations into the contract, usually with an indemnity and insurance clause. Send it to us before you sign.
The Justice Department sued a rent-pricing software company. Does insurance cover that?
In November 2025 the Justice Department announced a proposed settlement with RealPage in its antitrust suit over rent-pricing software, with limits on the data it can use and a monitor. Antitrust allegations are frequently excluded from tech E&O and handled, if at all, under other lines, so ask exactly how your form treats an alleged agreement among your customers. D&O may respond for the company’s leaders.
Does our AI listing tool create media risk?
Yes. An AI that writes listing descriptions, generates staged photos or ad copy can misdescribe a property or use a likeness or a photograph it should not. Those are media claims, answered by media liability and not by tech E&O. Fair housing rules also apply to the words in an ad, so a generated phrase that signals a preference can draw a complaint.
Does our policy cover AI output at all?
Check in writing. Some forms now exclude generative AI, and a wrong score or a wrong valuation is AI output. Ask whether the form covers claims from AI-generated results, with the exclusion list in front of you. An AI that makes a decision about a person reads to an underwriter like a professional judgment, not a software feature.
Which NAICS codes does this page cover?
The 2022 NAICS codes a proptech company may fall under are 513210 Software Publishers, 541511 Custom Computer Programming Services, 518210 Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services, 531390 Other Activities Related to Real Estate, 531320 Offices of Real Estate Appraisers, and 531311 Residential Property Managers. The last one applies if you also manage properties yourself.
We built the product quickly with AI coding tools. Does that matter?
An underwriter will ask who reviewed the code that touches applicant data and how it is tested. Say what was generated and what a person checked.
We sell to customers in other countries. Does our insurance follow?
Not automatically. Many policies promise to defend only US and Canadian claims, and foreign privacy and equality laws can reach a product used abroad.
Where do the other AI app industries fit?
The hub lists every industry. The fitness app page is the one that established the contingent bodily injury argument, which applies where your output is advice that someone acts on.
What does the fitness app page have to do with housing software?
Both products make a recommendation that a person relies on, and both sit between two policies. The fitness page explains the pattern with an injury, and this one with a denial.
Is there a cyber angle for applicant files?
Yes. Screening files hold identity, income and history, and a breach there is notified to every applicant. Cyber coverage should include regulatory defense for the consumer reporting rules and the cost of notifying and monitoring.
What do you need to quote a proptech company?
What the product decides in a sentence or two, who your customers are, how many applicants, homes or units it touches a year, your revenue, the states you operate in, whether you are a consumer reporting agency, and any bias testing you have done. Send your customer contracts with indemnity clauses and current policies.
Guides on proptech or real estate AI company.
- Insurance for an App Launching WorldwideAn app store launch puts your app in front of users in dozens of countries on the first day. Your tech E&O may only defend claims filed in the US or Canada, and your cyber policy has to handle European privacy rules, where health and fitness readings are a special category of data.
- Vibe-Coded App InsuranceA vibe-coded app carries the same liability as any other, and the documented failures are security ones: open databases, exposed keys and an agent that deleted data. Here is which policy answers which failure, what the AI tool providers say about who is responsible, and what to check before you buy.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.