Trusted by The Leaders in Insurance
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ZestyAI is the intelligence and execution engine for modern insurance.
Our agentic AI doesn't just analyze risk—it acts on it, automating decisions across underwriting, filings, and compliance.
Real-World Results. Proven at Scale.
The Decision Intelligence Platform
ZestyAI unites a System of Intelligence, delivering property-level truth across every peril, with a System of Action powered by agentic AI. Together, they turn insight into automated, auditable decisions across underwriting, pricing, compliance, and beyond.
Peril-Specific Models
ZestyAI’s AI-powered risk models deliver unparalleled accuracy across wildfire, hail, water, and more, helping carriers price and manage risk with confidence.
Z-FIRE™
Purpose-built for modern wildfire risk. Z-FIRE uses advanced AI to predict which homes are most likely to withstand or be lost to wildfire.
Approved across the western U.S.
Z-HAIL™
Combines climatology and 3D roof intelligence to drive more accurate risk decisions, including accumulated damage over time, revealing how hail truly impacts each structure.
Approved across the hail belt.
Z-WIND™
Analyzes wind exposure and structural vulnerability. Z-WIND predicts both the frequency of claims and the severity of losses at the property level.
Widespread regulatory approval.
Z-STORM™
Evaluates the combined effects of hail and wind. Z-STORM delivers accurate, property-level insights for severe convective storm risk.
Widespread regulatory approval.
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Z-WATER™
Reveals hidden non-weather water and freeze risk, from leaky pipes to aging plumbing. Z-WATER analyzes property construction, layout, and local infrastructure at scale.
Rapidly gaining regulatory approvals across the U.S.
Property Insights
From structure-level detail to verified roof age, our insights inform rating, underwriting, and reinsurance without ever setting foot on-site.
Roof Age
Pinpoints the age of every roof with unmatched accuracy using AI-powered analysis of permits and aerial imagery, bringing confidence to underwriting and rating.
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Z-PROPERTY™
Delivers AI-powered property intelligence, combining 3D roof modeling and parcel-level insights to reveal condition, geometry, and risk drivers for every structure—nationwide.
Competitive Intelligence
Instant visibility into filings, trends, and competitor moves to build smarter products faster.
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ZORRO Discover™
Delivers instant insights from millions of filings using agentic AI, cutting research time by 95% and eliminating the need for manual reviews or consultants.
Unlock Your Full Potential with AI-Driven Intelligence
From underwriting to reinsurance, ZestyAI is the decision intelligence engine of modern insurance, helping carriers act with speed, accuracy, and trust.
Underwriting
Make smarter underwriting decisions with trusted models and insights. Every property. Every time.
Rating
Every risk has a price. ZestyAI delivers the segmentation power actuaries need to price it with accuracy, fairness, and confidence in real time.
Renewals
Stay ahead of risk by proactively detecting property changes, so every renewal reflects the reality on the ground.
Concentration Risk
Pinpoint and manage risk hotspots so your portfolio stays balanced and resilient.
Competitive & Regulatory Intelligence
Built for product, compliance, and strategy teams, ZestyAI delivers real-time regulatory and competitive insight you can act on.
Reinsurance
Reduce uncertainty in reinsurance with trusted, property-level data that supports pricing, coverage, and capital efficiency.
Why the Industry’s Leaders Choose ZestyAI
ZestyAI stands at the intersection of data science, insurance expertise, and real-world results.
With proprietary property data, predictive models trained on actual losses, and a proven track record of regulatory approvals, we equip the industry’s top (re)insurers to make automated, smarter, and more confident decisions across underwriting, rating, reinsurance, and beyond.
Proprietary Property Data
Better data, better decisions. ZestyAI delivers unmatched property intelligence powered by proprietary roof and structural insights, aerial imagery, enriched permit and parcel data, and validated loss signals derived from contributed and computed datasets.
Proven. Trusted. Predictive.
Built with actuarial discipline and trained on proprietary loss data, our AI models deliver industry-leading segmentation power and real-world results.
Regulatory Ready AI
Our models are built to meet the highest regulatory standards, with a proven track record of approvals and DOI-ready documentation across peril and product lines.
Chosen by the Industry’s Best
Hear how top insurers use ZestyAI to sharpen pricing, streamline operations, and drive profitable growth with confidence.
See Carrier Results
"Our partnership with ZestyAI has significantly improved our ability to assess and manage residential property risks."
Jonathan Schulz
AVP Personal Lines, West Bend Mutual Insurance
"ZestyAI's climate risk solutions have been valuable in enhancing our current underwriting process.
As a leading commercial property insurer, we are deeply committed to leveraging the latest technologies to ensure we are accurately pricing the risk to our customers from natural disasters."
Brian Hall
Vice President, Berkshire Hathaway Homestate Companies
“Partnering with ZestyAI equips us with data-driven insights needed to price risk accurately, reward mitigation, and sustain our role as a long-term solution in California.”
Todd Brickel
Senior Vice President, Chief Risk and Product Officer, California Casualty
“In leveraging ZestyAI’s advanced risk models, we're able to further support homeowners in securing comprehensive coverage while strengthening our underwriting capabilities as we continue to grow.”
Ori Hanani
Senior Vice President, Insurance, Lemonade
“A modern solution like Z-FIRE allows us to leverage the power of AI to generate a clear picture of not only how likely it is that a home might be exposed to a wildfire, but also the probability of its damage."
B.J. Pitts
Senior Assistant Vice President, Amica Mutual Insurance
“ZestyAI's models will help us bring greater fairness and resilience to the market while equipping homeowners with practical mitigation guidance.”
Kelly Campbell
Executive Director, Colorado FAIR Plan
“We were immediately impressed with ZestyAI's ability to provide precise risk scores for individual properties at scale."
Scott Schuler
Senior Vice President, Personal Lines, The Cincinnati Insurance Companies
Protecting Families and Strengthening the Industry.
At ZestyAI, we believe insurance is more than a product. It’s a promise. By helping carriers understand risk with greater clarity, we help expand coverage access to more families and businesses, support fair pricing, and reduce uncertainty in the face of a changing climate.
Together with our partners, we’re building a healthier, more resilient insurance market—one that brings peace of mind to property owners and insurers alike.
See How Leading Insurers Use ZestyAI
ZestyAI powers faster, smarter insurance decisions. See how leading carriers use trusted, regulator-approved AI to underwrite, rate, cede risk, and grow profitably.