Install
Program carriers and fronting insurers
- National carriers 13
- Regional carriers 36
- AAA auto clubs 3
- Farm Bureau insurers 11
- Affinity and military insurers 3
- High-net-worth insurers 5
- Florida and coastal specialists 25
- Digital and insurtech insurers 8
- Manufactured home and specialty dwelling insurers 4
- State-backed insurers of last resort 5
- Program carriers and fronting insurers 7
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 45 | Sutton National InsuranceDelray Beach, Florida program carrier that issues policies for managing general agents, above all Bamboo's California homeowners program. | Program carriers and fronting insurers | 0.29% | A- (Excellent) |
| 52 | Markel (Markel American, Evanston and State National)Specialty insurer with no mainstream home policy: it writes hard-to-place homes through agents and wholesalers and fronts MGA programs via State National. | Program carriers and fronting insurers | 0.24% | A (Excellent) |
| 59 | QBE North AmericaNorth American arm of Australia's QBE Insurance Group; its U.S. homeowners book is in run-off after a 2025 exit decision, with California policies nonrenewing. | Program carriers and fronting insurers | 0.21% | — |
| 69 | Clear Blue Insurance GroupFronting carrier group launched in 2015 whose Rock Ridge Insurance Company issues the homeowners policies Openly sells through independent agents in 24 states. | Program carriers and fronting insurers | 0.16% | A- (Excellent) |
| 81 | Benchmark Insurance CompanyTrean-owned fronting carrier in Wayzata, Minnesota whose homeowners premium comes mostly from Texas policies it issues for the Swyfft homeowners program. | Program carriers and fronting insurers | 0.13% | A (Excellent) |
| 93 | MS TransverseFronting carrier owned by Japan's MS&AD that issues admitted and surplus lines home policies for MGAs such as Openly, Bamboo and Wellington; AM Best A+. | Program carriers and fronting insurers | 0.11% | A+ (Superior) |
| — | Hyundai Marine & Fire InsuranceU.S. branch of a large South Korean insurer that writes Hawaii homeowners and hurricane-only policies sold by Hawaiian Hurricane Group via independent agents. | Program carriers and fronting insurers | — | A (Excellent) |
Ranked by 2025 U.S. homeowners multiple peril direct premiums written (states and U.S. territories), from the NAIC 2025 Market Share Reports for Property/Casualty Groups and Companies. NAIC groups combine affiliated companies, so a group may sell under several brand names. Brands listed without a rank are part of a larger group or outside the top 100.