Sure and Groma Launch AI-Powered Integrated Renters Insurance and Compliance Solution

Sure and Groma have launched an integrated insurance suite combining digital renters coverage, AI-driven compliance verification, and a Tenant Legal Liability program. For insurance professionals, this represents a shift toward closing the "uninsured gap" in multifamily portfolios by embedding automated underwriting and compliance directly into property management workflows to mitigate landlord risk.

What was announced

The partnership introduces a three-pronged digital insurance ecosystem designed for Groma’s portfolio of small multifamily apartment buildings. At the resident level, the platform provides a fully digital path to quote and purchase renters insurance directly through an existing resident portal. Once a policy is obtained, the "Verify" tool uses AI to automatically check uploaded proof of insurance against specific lease requirements, eliminating the need for manual review by property management staff.

To address the persistent issue of non-compliance, the Tenant Legal Liability (TLL) program provides a secondary layer of protection. This program covers units that remain out of compliance or fail to maintain active policies, ensuring the property owner is protected against uninsured risks across the entire portfolio. The integration includes real-time compliance dashboards, giving Groma’s teams visibility into the coverage status of their entire resident base. According to the companies, the entire system—encompassing the resident-facing experience, automated verification, and the liability program—was implemented in under 30 days. This unified rollout ensures that residents, compliance teams, and risk management are synchronized from a single launch, rather than being added as disparate components. The launch reflects a broader shift in property management toward replacing manual proof-of-insurance tracking with real-time verification and built-in portfolio protection.

"We wanted residents, compliance, and risk management covered from day one, not bolted on piece by piece. Sure helped us stand up renters insurance, automated compliance verification, and tenant legal liability coverage together in under 30 days, so we have full protection across every unit in the portfolio, not just the easy ones."

Seth Priebatsch, CEO of Groma.

The companies involved

Sure is an AI-native insurance technology provider that focuses on unlocking digital insurance potential for carriers and brands. The company’s platform is designed to handle the end-to-end insurance lifecycle, from distribution and policy core systems to claims and consumer-facing portals. Sure has established itself as a key player in the insurtech space by enabling rapid deployment of insurance products through its modular, API-first architecture. The company has been featured in multiple industry reports regarding its work in disaster insurance and specialty digital programs.

Groma is a real estate technology company and investment firm based in Boston. The firm specializes in the acquisition, modernization, and operation of small multifamily apartment buildings. By integrating technology into the property management process, Groma aims to streamline operations for both residents and owners. The partnership with Sure allows Groma to transition away from manual, fragmented insurance tracking processes toward a fully automated model. This collaboration highlights Groma’s position at the intersection of real estate investment and proptech, focusing on operational efficiency and risk mitigation within the urban residential market.

What FF News has reported before

FF News has followed Sure’s expansion across various insurance verticals. In September 2026, we covered how Sure and Recoop Expand Partnership to Modernize Disaster Insurance via AI-Native Platform, focusing on nationwide multi-peril coverage. Earlier that year, the publication reported on a collaboration with the jewelry sector in Jewelers Mutual® Group Launches New Digital Jewelry Insurance Program Powered by Sure. Additionally, FF News highlighted the company’s technological milestones, such as when Sure Launches Insurance Industry's First Model Context Protocol (MCP) Capability, Enabling AI Agents to Quote, Bind, and Service Policies. This prior reporting underscores Sure's strategy of applying its AI-native platform to diverse risk categories, from disaster recovery to specialty retail and now multifamily residential real estate.

What this means from an insurtech perspective

From an insurtech perspective, this announcement highlights the increasing pressure on traditional carriers and MGAs to solve the "last mile" of insurance compliance. The move to combine distribution with AI-driven verification and a backstop liability product addresses a major pain point for property owners: the loss ratio volatility caused by uninsured tenant incidents. By automating the verification of third-party policies, Sure is effectively reducing the administrative burden on brokers and property managers while creating a more reliable data stream for underwriters. This model suggests that the future of embedded insurance in real estate lies not just in selling policies, but in the continuous, automated monitoring of portfolio-wide risk.