Install
Startups and Innovation 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 |
|---|---|---|---|---|
| 46 | HippoPublicly traded insurtech founded in 2015 whose carrier, Spinnaker, writes Hippo homeowners policies and fronts programs for other MGAs; rated A- by AM Best. | Digital and insurtech insurers | 0.29% | A- (Excellent) |
| 47 | LemonadeApp-only insurer founded in 2015 that sells homeowners, condo and renters policies online in about two dozen states; Demotech-rated, with a charity Giveback. | Digital and insurtech insurers | 0.27% | — |
| 51 | Kin InsuranceChicago insurtech founded in 2016 that sells home insurance online and by phone in 14 catastrophe-prone states through reciprocal exchanges it manages. | Digital and insurtech insurers | 0.25% | — |
| 61 | Homeowners of America (Porch)Irving, Texas home insurer founded in 2006, sold through independent agents; since 2025 owned by a policyholder reciprocal that Porch Group manages. | Digital and insurtech insurers | 0.19% | — |
| 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) |
| — | Bamboo InsuranceUtah-based MGA founded in 2017 that writes California and Texas homeowners policies, mainly issued by Sutton National; controlled by CVC since 2025. | Digital and insurtech insurers | — | A- (Excellent) (Sutton National Insurance Company) |
| — | Branch InsuranceColumbus, Ohio insurtech founded in 2017 that sells bundled home and auto insurance online and through agents, mostly via its member-owned reciprocal exchange. | Digital and insurtech insurers | — | — |
| — | Neptune FloodThe largest U.S. private flood insurance provider, an MGA that places primary and excess flood policies with 45 insurers and reinsurers in all 50 states. | Digital and insurtech insurers | — | — |
| — | OpenlyBoston homeowners MGA founded in 2017 that sells HO-5 policies with guaranteed replacement cost through independent agents in 24 states. | Digital and insurtech insurers | — | A- (Excellent) (Rock Ridge Insurance Company) |
| — | SteadilyOnline landlord insurer founded in 2020 that sells DP-1 and DP-3 rental-property policies in all 50 states, partly through its own Demotech-rated carrier. | Manufactured home and specialty dwelling insurers | — | — |
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.