Stand Insurance

Stand Insurance is a direct-to-consumer property insurance carrier licensed to underwrite homeowners insurance for high-risk properties in wildfire and hurricane-exposed markets. Founded by Silicon Valley executives including CEO Dan Preston (former CEO of Metromile), Stand uses physics-based computational modeling at sub-meter resolution to assess individual property vulnerability and offer coverage traditional insurers have abandoned.

The company's core differentiator is proprietary risk modeling that simulates natural hazards with aerospace-grade computational physics. Rather than relying on aggregate actuarial tables, Stand models wildfire spread dynamics, hurricane wind patterns, and flood risk at the parcel level, accounting for building materials, vegetation, slope, and structural openings. This granular approach enables Stand to underwrite homes that legacy carriers have exited.

Stand launched publicly in California in December 2024 with a focus on high-value wildfire-exposed homes and expanded into the Florida hurricane market in October 2025. The company has underwritten USD 1 billion in insured value in California within its first year of operation and partners with A-rated carriers and reinsurers to distribute coverage. All policies include dynamic mitigation credits: documented improvements to property resilience (fireproofing, vegetation management, structural upgrades) map directly to premium reductions.