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Startups and Innovation guides
Aerial imagery: how insurers inspect roofs from the skyHow insurers use aircraft, satellite and drone images to judge roofs, where they mislead, what states have ruled, and how to contest a nonrenewal based on one.AI, drones and automation in home claimsHow insurers use photo estimating, drones, aerial imagery and fast-track payments on home claims, where automation errs, and how to keep a person in the loop.AI in home insurance: the rules on underwriting and claimsWhat rules apply when home insurers use AI and algorithms to underwrite policies and handle claims, including the NAIC model bulletin, and what you can ask.Buying home insurance online: what to watchOnline quotes are fast, but pre-filled data, default coverage, lead-generation sites and look-alike websites can cost you. How to buy online and verify.EV chargers and home batteries: insurance questionsA hardwired EV charger or wall battery usually counts as part of the house, while the car stays on your auto policy. What to tell your insurer, and what to ask.Home cyber insurance and cyberbullying coverageHome cyber coverage is an add-on for ransomware response, data restoration, online fraud and cyberbullying costs. What it covers, published limits and the gaps.Insurtech home insurers: what they changedLemonade, Hippo, Kin, Branch, Openly and other insurtechs changed how home insurance is sold, priced and claimed. What stayed the same and how to vet one.MGAs and fronting carriers: who really insures your homeMany newer home insurance brands are MGAs writing on a fronting carrier's paper. How the chain works, what regulators require and what to check.Parametric insurance for homeowners: how it works and its limitsParametric policies pay a fixed sum when a measured trigger, like earthquake shaking at your address, is hit, whatever your damage. What exists and its limits.Security systems, smart devices and discountsWhich alarms, sprinklers and smart-home devices earn homeowners insurance credits, what proof insurers want and if the discount ever pays for the equipment.Smart home technology and insurersHow insurers partner with leak, fire and security device makers, what they get from the data, what you get back, and what to ask before you connect a device.Water leak sensors and shutoff valves: discounts and valueLeak sensors warn you and automatic shutoff valves stop the water. What insurers credit, what the proof looks like, and whether the device is worth buying.