Applied Home National Underwriters Partners with ZestyAI to Power Property Risk Analytics

ZestyAI, the leading provider of AI-powered property and climate risk analytics, has partnered with Applied Home National Underwriters.  

Applied Home National Underwriters will adopt ZestyAI’s full suite of regulatory-approved models and property insights to support more accurate underwriting, pricing, and portfolio management across its U.S. property insurance operations.

This includes peril-specific models for non-weather water (Z-Water™), wildfire (Z-Fire™), hail (Z-Hail™), wind (Z-Wind™), and severe convective storm (Z-Storm™). It also includes property insights that combine aerial imagery, building permits, and parcel-level data to identify risk-relevant features such as roof condition, vegetation overhang, and secondary structures.

ZestyAI’s models use proprietary AI trained on billions of data points, including aerial imagery, parcel-level attributes, building permits, climatology, and real-world loss data, to deliver precise, property-specific risk intelligence that supports confident risk selection, loss ratio improvement, and more robust concentration management across perils.

Brian Voorhees, Chief Operating Officer, Applied Home National Underwriters, 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, Founder and CEO of ZestyAI, 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.”