Mama Insurance
Digital-first home and contents insurance MGA for homeowners and renters in Italy
Overview
Mama Insurance is a home and contents insurance MGA distributing policies directly to consumers and through comparison platforms in Italy. The company operates as a brand of Tomorrow Labs S.r.l. (P.IVA 04310441201), holds IVASS authorization as an insurance agent (RUI: A000793017), and is backed by Chubb European Group SE as the underwriting carrier.
The company underwrites personal home insurance using a proprietary API-based platform that applies ML-driven dynamic pricing, automated risk scoring, and onboarding automation. Policies are configurable across more than 4,800 coverage combinations, and customers can complete a quote and purchase in under two minutes.
Distribution runs through the company's direct website and integration with major Italian insurance comparison platforms including facile.it and segugio.it. Mama Insurance was incubated through the NeXXt Ventures accelerator program run by Fastweb and Vodafone and received seed investment from Founders Factory.
Products & Services
Casa (Home Insurance)
Covers atmospheric events, fire and explosion, water damage, and digital activation. Fully digital activation within minutes.
Key Features
- Atmospheric events
- Fire and explosion
- Water damage
- Digital assistance
Target Users: Homeowners in Italy
Distribution: Direct via mamainsurance.it; comparison platforms (facile.it, segugio.it)
Contenuto (Contents Insurance)
Protects household objects, technology, and appliances from damage or loss.
Key Features
- Household objects and furnishings
- Technology and electronics
- Appliances
Target Users: Renters and homeowners in Italy
Distribution: Direct via mamainsurance.it; comparison platforms
Casa + Contenuto (Combined Coverage)
Bundled home and contents protection in a single policy.
Key Features
- Full property and contents coverage
- 24/7 assistance services (plumber, electrician, locksmith, glazier)
- Gas technician and air conditioning repairs within 24 hours
- Legal protection and digital assistance
Target Users: Homeowners and renters seeking comprehensive coverage
Distribution: Direct and via comparison platforms