Expanded Collaboration Between ZestyAI and California FAIR Plan Deepens
ZestyAI Partners with Kin Insurance to Expand Insurance Access in High-Risk Areas
ZestyAI, a leading provider of AI-powered climate and property risk analytics, has announced a new partnership with Kin Insurance, a direct-to-consumer, digital home insurance provider. This partnership, focused on Colorado, may indicate potential partnerships in other regions as well.
Kin Insurance is committed to serving catastrophe-exposed markets, and this partnership aims to expand insurance access for homeowners facing coverage challenges, particularly in high-risk areas prone to wildfires, hail, and other catastrophes.
As part of its expansion into Colorado, Kin has deployed ZestyAI's wildfire risk model, Z-FIRE™. This model, along with ZestyAI's hail (Z-HAIL™) and wind (Z-WIND™) risk models, will deliver property-specific risk assessments to Kin, enabling the insurer to provide more accurate and tailored insurance coverage to its policyholders.
The partnership is a significant development in the field of AI-powered risk analytics for insurance. ZestyAI's solutions have gained widespread regulatory acceptance nationwide, with over 50 regulatory filings across the U.S. approving its AI models for wildfire, severe convective storms, and non-weather water damage.
Notably, California's Department of Insurance has reviewed ZestyAI's wildfire model, allowing it to be filed for rate segmentation and underwriting without further review under California's Pre-Application Required Information Determination (PRID) as of January 2, 2025.
In addition to its risk analytics platform, ZestyAI has launched ZORRO Discover™, a generative AI agent that drastically cuts regulatory research time by up to 95% for insurers. This tool saves insurers millions annually by streamlining competitive intelligence and compliance workflows with specialized AI tuned for insurance content.
The formal acknowledgement of ZestyAI's Roof Quality solution by the Connecticut Insurance Department is another significant development in the field of property and climate risk analytics. The CID conducted a comprehensive third-party actuarial review of ZestyAI's Roof Quality solution, leading to its formal acknowledgement for use in residential property rating and underwriting.
Over the past year, ZestyAI has secured 33 new and expanded customer partnerships, reflecting rapid adoption of its AI-driven risk analytics platform. This platform delivers precise, parcel-level insights combining property data, climate science, and AI to help insurers improve underwriting, pricing, inspections, and coverage expansion—especially in catastrophe-prone regions.
In summary, the partnership between ZestyAI and Kin Insurance demonstrates broad industry adoption and strengthens ZestyAI’s role as an innovator in providing AI-powered tools that enhance decision-making and efficiency in insurance. This partnership could have significant implications for insurance providers and policyholders in high-risk areas, such as those prone to wildfires.
In this partnership, ZestyAI's AI-powered risk models will aid Kin Insurance in delivering more precise and tailored insurance coverage for homeowners in high-risk areas, potentially expanding to other regions. The deployment of ZestyAI's wildfire risk model, Z-FIRE™, marks a significant development in the field of technology, as it will enable improved underwriting in catastrophe-prone regions like Colorado.
The formal acknowledgement by the Connecticut Insurance Department of ZestyAI's Roof Quality solution underscores the growing acceptance and adoption of the company's AI-driven risk analytics platform, signifying its potential impact on the insurance industry and policyholders in high-risk areas.
