As digital property technology (PropTech) platforms reshape how people buy, rent, manage, and monitor homes, it’s clear that insurance is not a separate, after-the-fact transaction. Embedded insurance is redefining how property insurance is discovered, quoted, and bound by delivering coverage precisely when and where consumers need it. This evolution is about meeting modern expectations for […]

Data-driven pricing models are reshaping how insurers evaluate exposure, predict losses, and tailor premiums. These models go beyond ZIP codes and replacement cost estimates to incorporate granular, real-time, and behavioral data that provide a more accurate, customer-specific picture. The Evolution of Homeowners Insurance Rating   Historically, homeowners policies have been priced using static variables like […]

In the race to modernize homeowners insurance, agents are often the most overlooked stakeholders. While technology vendors focus on APIs, data models, and direct-to-consumer (D2C) platforms, independent and captive agents are still the trusted frontline for millions of homeowners. To enable—not replace—these professionals, insurtechs must develop tools that support agent workflows, enhance customer engagement, and […]