Insurnest · Home Insurance Platform for MGAs
Launch Home insurance products in weeks, not months.
Insurnest gives home insurance MGAs property-data-integrated rating, real-time catastrophe accumulation monitoring, and flexible coverage configuration for standard and high-value homes — across the US, UK, and Canada.
The home insurance market is being reshaped by climate risk. The MGAs who win will be the ones who can manage CAT exposure in real time.
Standard carriers are non-renewing in California, Florida, and Texas. The demand is not going away. It is coming to you — and your platform needs to handle what that means.
Writing in CAT-exposed markets without real-time accumulation monitoring is how MGAs breach their treaty limits
When you are writing wildfire-exposed zip codes or wind-exposed coastal counties, your capacity provider has aggregate limits on how much exposure you can accumulate in a single geographic area. Without real-time accumulation monitoring at the zip code or CRESTA zone level, you can breach those limits before you realise it. A treaty breach is not just a compliance problem — it means claims above the limit come out of your own pocket. Most platforms do not show you your accumulation in real time. Insurnest does.
Property data collection done manually slows quoting and introduces rating errors
Asking an agent to manually enter construction type, year built, roof age, roof material, square footage, and protection class for every property adds minutes to the quoting process and introduces errors that lead to incorrect premiums. Under-reported construction quality means under-priced risk. Over-reported quality means a policy that does not survive a claims review. Auto-populating property characteristics from a data provider is not a nice-to-have in property insurance — it is a basic underwriting quality control.
High-value home programs require endorsement flexibility that standard platforms do not have
Agreed value, scheduled personal articles, water backup, service line, equipment breakdown, and umbrella referrals are the product features that distinguish a high-value home program from a standard HO-3. When those endorsements cannot be configured cleanly in the platform — when they live in manual endorsement documents that underwriters attach case by case — the product is inconsistent, the policy documents are non-standard, and the book is hard to audit. High-value home is a high-margin segment. The margin erodes fast when the product is managed manually.
Property data integration, CAT accumulation management, and high-value endorsement configuration — in one platform.
Real-time CAT accumulation monitoring
Monitor aggregate exposure by peril, zip code, CRESTA zone, or custom territory in real time. Set capacity limits by territory and get alerts when accumulation approaches treaty thresholds. Pause writing in a specific zip code or county from the admin portal — immediately, without an engineering request.
Property data integration at quote
Pull in construction type, year built, roof age, roof material, square footage, and protection class automatically from property data providers at the point of quoting. Agents answer fewer questions. Rating is more accurate. Underwriting quality improves without adding friction.
Coverage configuration for standard and high-value
Configure HO-3, HO-5, HO-6, and HO-8 as distinct products with their own rating plans and coverage components. For high-value programs, add agreed value, scheduled personal articles, water backup, service line, and equipment breakdown as configurable endorsements — not manual attachments.
Surplus lines and flood handling
Configure NFIP referral triggers or private flood endorsement options for flood-exposed risks. Manage surplus lines eligibility rules, diligent search documentation, and stamping office reporting by state — inside the platform, not outside it.
What home insurance MGAs achieve after going live on Insurnest.
Treaty limits that are never accidentally breached
Real-time accumulation monitoring by territory and peril means your underwriting team always knows where they are relative to capacity limits. When a territory approaches its threshold, appetite tightens automatically. No surprises at reinsurance renewal.
Faster quoting with better rating accuracy
Property data auto-population reduces the time an agent spends on a quote by several minutes and removes the most common source of rating errors — manual data entry of building characteristics. Faster quotes, fewer errors, cleaner book.
A high-value program that does not require manual endorsement management
Agreed value, scheduled personal articles, and extended replacement cost configured as platform-level endorsements mean every high-value policy is issued consistently. No manual attachments. No inconsistent policy documents. The book is auditable and the product is scalable.
Live in under six weeks
Coverage forms, rating tables, territory definitions, CAT deductible schedules, and endorsement library configured and live in four to six weeks. Your underwriters set up the product in the BRE.
How we compare to the alternatives.
| Feature | Insurnest | Generic P&C Platform | Build In-House |
|---|---|---|---|
| Real-time CAT accumulation monitoring | Native | Not standard | 12+ months |
| Property data auto-population at quote | Included | Requires integration | Separate project |
| Wind, hail, hurricane separate deductibles | Included | Requires configuration | Manual build |
| High-value endorsement library | Included | Limited | Manual build |
| Surplus lines handling | Included | Requires configuration | Complex compliance work |
| Live in under 6 weeks | 6–18 months | 12–24 months |
Home insurance MGAs and CAT-exposed program administrators writing with Insurnest.
Let's talk about your property program.
Whether you are writing standard homeowners, CAT-exposed property, or high-value homes — we will show you how Insurnest handles your specific product and risk management requirements in a single call.
We reply within one business day.
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Insurnest
Empowering insurers, re-insurers, and brokers to excel with innovative technology.
Insurnest specializes in digital solutions for the insurance sector, helping insurers, re-insurers, and brokers enhance operations and customer experiences with cutting-edge technology. Our deep industry expertise enables us to address unique challenges and drive competitiveness in a dynamic market.