Horace Mann Selects ZestyAI to Modernize Underwriting With AI-Driven Property Intelligence

ZestyAI today announced that Horace Mann, the largest national insurer focusing on educators’ financial needs, has selected ZestyAI to support the modernization of its property underwriting operations.

Horace Mann will deploy Z-PROPERTY™, ZestyAI’s property intelligence platform that applies computer vision and machine learning across aerial imagery, building permit records, tax assessment data, and other verified sources to generate insights across more than 70 structural and parcel attributes for 150 million residential and commercial properties nationwide. 

These property-level insights provide clearer visibility into condition and exposure, enabling underwriting teams to better differentiate risk across new business and renewals, streamline workflows, and reduce reliance on traditional inspection-heavy processes.

As part of its underwriting evolution, Horace Mann will leverage ZestyAI’s broader portfolio of property intelligence and peril-specific risk models—including Roof Age, Z-HAIL™, Z-WIND™, Z-STORM™, and Z-WATER™—to evaluate how advanced property intelligence can inform underwriting and rating decisions across weather- and non-weather risks over time.

“This partnership is about rethinking how underwriting decisions are made in a modern property market,” said Vanessa Jackson, SVP, Head of P&C at Horace Mann.

“By bringing scalable, property-level intelligence into our underwriting process, we’re positioning our teams to make faster, more informed decisions today, and to continuously adapt as risk and expectations evolve.”

“Horace Mann is taking a thoughtful, measured approach to underwriting modernization,” said Attila Toth, Founder and CEO of ZestyAI.

“By adopting property-level intelligence, they are enhancing underwriting decisions today while building a strong foundation for continued operational improvement.”

ZestyAI supported Horace Mann through a rigorous evaluation process, demonstrating how accurate, complete property-level insight delivered at scale can materially improve enterprise data quality, supporting more reliable underwriting and analytics across the portfolio.