ZestyAI, a provider of AI-powered property and climate risk analytics, has entered into a partnership with Applied Home National Underwriters, a specialist in property insurance underwriting across the U.S.
The collaboration will see Applied Home National Underwriters adopt ZestyAI’s full suite of regulatory-approved models and property insights, according to FF News.
The aim is to enhance underwriting accuracy, refine pricing strategies, and improve portfolio management across its property insurance operations.
ZestyAI’s models include peril-specific solutions such as Z-Water™ for non-weather water risks, Z-Fire™ for wildfire risk, Z-Hail™ for hail, Z-Wind™ for wind, and Z-Storm™ for severe convective storms. In addition, the partnership incorporates property insights powered by aerial imagery, building permits, and parcel-level data to identify critical features like roof condition, vegetation overhang, and secondary structures that can influence risk.
Founded to transform how insurers assess climate and property risk, ZestyAI leverages proprietary AI trained on billions of data points, including climatology, real-world loss data, and geospatial datasets. The company provides insurers with detailed, property-specific intelligence designed to strengthen risk selection, improve loss ratios, and optimise concentration management.
Applied Home National Underwriters, meanwhile, focuses on property insurance underwriting and is recognised for taking on complex risks. By embedding ZestyAI’s risk analytics into its operations, the company is reinforcing its commitment to using technology-driven insights to enhance decision-making and portfolio stability.
Brian Voorhees, Applied Home National Underwriters chief operating officer, said, “ZestyAI’s AI-powered risk models offer the kind of granular, verified intelligence that strengthens risk evaluation across a broad spectrum of perils, from climate-related threats to non-weather water. This partnership deepens our commitment to innovation and precision in underwriting and portfolio management.”
Attila Toth, ZestyAI founder and CEO, said, “Applied Home National Underwriters is known for taking on complex risks with clarity and conviction. We’re proud to support that with trusted, property-specific insights that help sharpen underwriting, align pricing with true risk, and strengthen portfolio performance.”
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