Under the agreement, Applied Home National Underwriters will adopt ZestyAI’s full suite of regulatory-approved models, including peril-specific tools such as Z-Water™ (non-weather water), Z-Fire™ (wildfire), Z-Hail™ (hail), Z-Wind™ (wind), and Z-Storm™ (severe convective storms). These models are complemented by property insights that draw on aerial imagery, building permits, and parcel-level data to assess key risk factors such as roof condition, vegetation overhang, and the presence of secondary structures.

ZestyAI’s models leverage billions of data points – including climatology, parcel attributes, and real-world loss data – to deliver property-specific risk intelligence that supports confident risk selection, improved loss ratios, and stronger concentration management across multiple perils.

“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,” said Brian Voorhees, Chief Operating Officer at Applied Home National Underwriters. “This partnership deepens our commitment to innovation and precision in underwriting and portfolio management.”

Attila Toth, Founder and CEO of ZestyAI, added: “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.”