Standard Casualty Partners With ZestyAI to Increase Protection for Manufactured Home Owners Through Advanced Risk Analytics

ZestyAI, the leading provider of AI-driven property and climate risk analytics for the insurance industry, has partnered with Standard Casualty Company, a specialized property insurer serving manufactured home owners.

Through the partnership, Standard Casualty will leverage ZestyAI’s platform to elevate risk assessment and policyholder collaboration. This will enable Standard Casualty to gain faster and more accurate insights into property risks which have become more complex due to the increase in extreme weather events driven by climate change. As a result, Standard Casualty will be in a stronger position to maintain comprehensive coverage, particularly in high-risk states such as Texas, Georgia, Arizona, and New Mexico.

Mobile homes are vulnerable to accidents and natural disasters, such as fires, floods, and storms. In some cases, due to their design and construction, mobile homes might be more susceptible to certain types of damage. With this partnership, Standard Casualty prioritized finding a solution that enables collaboration with policyholders to actively reduce these risks, allowing them to maintain coverage even in high-risk areas. Through ZestyAI’s advanced analytics, Standard Casualty can now better support policyholders by identifying and addressing specific vulnerabilities before disaster strikes.

Standard Casualty will integrate ZestyAI’s Z-PROPERTY, Z-FIRE, and Z-HAIL solutions, positioning itself as a leader in mobile home insurance by proactively mitigating property risks related to wildfires and severe weather events:

1. Z-PROPERTY delivers property-specific risk insights by analyzing building characteristics and environmental factors, empowering underwriters to make precise, informed decisions for each property.
2. Z-FIRE evaluates both wildfire hazard and vulnerability at the property level by analyzing unique structural characteristics and how they interact with local climate. With Z-FIRE, insurers like Standard Casualty can directly engage policyholders in tailored risk mitigation strategies.
3. Z-HAIL predicts hail claim frequency and severity for every property in the U.S., assessing the interaction of climatology, geography, and each structure’s unique features in 3D. This model builds on decades of scientific research and collaboration with leading researchers, including the Insurance Institute for Business & Home Safety (IBHS).

Rick Smith, Underwriting Manager at Standard Casualty, noted the alignment of ZestyAI’s solutions with the company’s strategic goals: “We chose ZestyAI because their team knows the industry inside out, and no one else provides the regulatory support that they do. The platform’s transparency and functionality allow us to actively partner with our policyholders on reducing risk rather than simply denying coverage. ZestyAI’s tools and intuitive interface make all the difference in efficient, effective underwriting for our market.”

Attila Toth, CEO and Co-Founder of ZestyAI, said: “Standard Casualty’s commitment to reducing policyholder risk aligns seamlessly with our mission at ZestyAI. Our solutions empower insurers like Standard Casualty to guide homeowners by mitigating risks, offering actionable insights into wildfire and hail exposure. This partnership sets a new standard for how insurers and homeowners can work together to tackle risk head-on.

“With ZestyAI’s support, Standard Casualty is poised to strengthen its presence in the -manufactured home insurance market, expanding its reach as a trusted expert in property risk assessment.”