Stand Insurance wildfire insurance review
The physics-modeled insurtech built to insure the high-value wildfire homes others won’t.
Founded
2023
Headquarters
San Francisco, California
Financial strength
See note
Channel
Specialist / non-standard
A venture-backed wildfire insurtech that surpassed $1 billion in insured value in its first year; raised ~$30M to launch and a $35M Series B (led by Eclipse) in October 2025.
FireRisk.ai rating
Our editorial scores for a wildfire-exposed home — appetite weighted heaviest. Not a financial rating; not carrier-supplied. See how all carriers rank →
Wildfire appetite & overview
Stand is a wildfire-first insurtech founded by a team from Metromile, Policygenius, and HotelTonight that targets exactly the homes the market abandoned: high-value ($2M–$10M) properties in severe wildfire country. Instead of redlining a ZIP, Stand runs physics-based wildfire simulations — combining remote-sensing data with homeowner-supplied details (window materials, roof, surrounding tree species) to model how wind, heat, and embers would attack the specific structure. Coverage and price are tied to resilience: harden the home (or add an active-defense system) and Stand can write — and price — risk that standard carriers simply decline. It became one of the most-watched names in wildfire insurance after the January 2025 Los Angeles fires.
On financial strength: Stand underwrites and services the policies, which are issued by Concert Specialty Insurance Company (AM Best A- “Excellent”) and reinsured by A/A+ reinsurers including Arch, RenaissanceRe, Hannover Re, Nephila, and Hiscox. Confirm the issuing carrier and its rating on your quote.
Physics-based hardening + Frontline Wildfire Defense
Stand simulates a home’s survivability under fire, ember, and wind exposure and ties coverage and premium directly to mitigation. Its partnership with Frontline Wildfire Defense means homeowners who install Frontline’s exterior defense system get a Stand assessment modeling survivability with and without it — potentially unlocking coverage and risk-adjusted premiums that weren’t otherwise available.
Claims & customer satisfaction
As a 2023-founded entrant, Stand has no long claims history or J.D. Power ranking yet. It leans on A-rated issuing-carrier paper (Concert Specialty) plus a reinsurance panel of A/A+ names (Arch, RenaissanceRe, Hannover Re, Nephila, Hiscox), and a published resilience-first underwriting model.
Strengths
- +Purpose-built for high-value wildfire homes other carriers decline
- +Physics-based, structure-specific modeling rather than blanket ZIP redlining
- +Coverage and premium reward documented home hardening
- +Issued by Concert Specialty (AM Best A-) with a strong A/A+ reinsurance panel
- +Frontline Wildfire Defense partnership for active exterior protection
Watch-outs
- –Built for $2M–$10M homes — not median-priced properties
- –Young company (founded 2023) with a short claims track record
- –Issued through a partner carrier, not Stand’s own balance sheet
- –Limited geography today (California; expanding to Florida)
Coverage highlights
What it costs
Premium-priced, as the high-value E&S wildfire segment is — but explicitly risk-adjusted. Because price is tied to a structure-specific model, documented hardening can materially lower the premium and, in many cases, unlock coverage that no admitted carrier would offer at all.
How to improve your odds of being written
- 1Own a higher-value home ($2M–$10M) in an eligible area (California; Florida expanding)
- 2Provide structure details (roof, windows, surrounding vegetation) for the model
- 3Harden the home — and consider an active-defense system like Frontline — to unlock coverage and a lower premium
Recent developments
What’s changed lately — dated so you can judge how current it is.
Launched its California homeowners product for high-value, wildfire-exposed homes other carriers had stopped writing.
Drew national attention during the Los Angeles wildfires as high-value homeowners scrambled for hard-to-place coverage.
Closed a $35M Series B (led by Eclipse) and announced expansion into Florida; surpassed $1B in insured value.
Best for
Owners of high-value ($2M–$10M) wildfire-exposed homes — especially in California — who have hardened, or will harden, the property.
How to get a quote
Direct at standinsurance.com (and through partners), focused on high-value California homes, with expansion into Florida underway.
Bottom line
For a high-value home in wildfire country that standard carriers have dropped, Stand is one of the most innovative options in the market — it prices and rewards resilience instead of just declining you. Weigh the short track record and confirm the issuing carrier, but for the $2M–$10M wildfire segment, Stand is a genuine breakthrough.
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Stand Insurance wildfire insurance FAQ
Does Stand Insurance cover homes in high fire-risk areas?
Stand is a wildfire-first insurtech founded by a team from Metromile, Policygenius, and HotelTonight that targets exactly the homes the market abandoned: high-value ($2M–$10M) properties in severe wildfire country. Instead of redlining a ZIP, Stand runs physics-based wildfire simulations — combining remote-sensing data with homeowner-supplied details (window materials, roof, surrounding tree species) to model how wind, heat, and embers would attack the specific structure. Coverage and price are tied to resilience: harden the home (or add an active-defense system) and Stand can write — and price — risk that standard carriers simply decline. It became one of the most-watched names in wildfire insurance after the January 2025 Los Angeles fires.
Is Stand Insurance financially strong enough to pay a wildfire claim?
Stand underwrites and services the policies, which are issued by Concert Specialty Insurance Company (AM Best A- “Excellent”) and reinsured by A/A+ reinsurers including Arch, RenaissanceRe, Hannover Re, Nephila, and Hiscox. Confirm the issuing carrier and its rating on your quote. Confirm the actual underwriting company and its current financial-strength rating before buying.
Who is Stand Insurance best for?
Owners of high-value ($2M–$10M) wildfire-exposed homes — especially in California — who have hardened, or will harden, the property. For a high-value home in wildfire country that standard carriers have dropped, Stand is one of the most innovative options in the market — it prices and rewards resilience instead of just declining you. Weigh the short track record and confirm the issuing carrier, but for the $2M–$10M wildfire segment, Stand is a genuine breakthrough.
Disclosure: This is an independent, research-based editorial review. FireRisk.ai is not affiliated with, endorsed by, or acting on behalf of Stand Insurance. The company name and any AM Best rating are used for identification and comparison only. This is not insurance or financial advice, and we are not a licensed insurance agency. Availability, appetite, ratings, and pricing change and vary by ZIP and home — verify everything directly with the carrier before purchasing. We may be compensated when you request quotes through a partner.