Powering the future

of insurance for

modern needs

Meet Stanum.

We combine AI with deep insurance expertise to provide solution suites for HOA communities and MGAs

From urban homes to remote ranches, we are your trusted partner in home insurance using AI

To create a safer, more resilient future for homeowners by redefining insurance protection against natural disasters. We combine collective strength, advanced risk management, and shared ownership to safeguard what matters most.


We are on the fore-front to create a members-owned insurance union that empowers its community to grow stronger together by harnessing innovation, collaboration, and trust using AI & climate mapping.

Designed to adapt and evolve alongside the our climate’s evolution, our AI mapping and prediction software ensure that you're always equipped for the future of sustainable insurance.

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Protection, No

Matter your Location

Meet Stanum.

Traditional insurance is failing people and leaving millions of homeowners inadequately protected.

1 Million +
Are in Climate-impact Zones
95% +
Of homes in these zones are un-insurable
40 +
of cities meet our coverage profiles

Reliability Redefined

This unendurability epidemic stems from a complex interplay within the traditional insurance ecosystem involving rising nat cat loss costs, cat risk quantification, rate & regulatory environment, cost to rebuild, cost of reinsurance, government involvement, fraud and litigation environment, and third party capital availability.

Florida Case Study

AI-First Prediction Modeling

Many Florida homeowners cannot get suitable hurricane coverage despite being a better-than-average risk by living in a well-maintained and disaster-resilient homeowners association.

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California Case Study

Homeowners are at risk

State Farm, Allstate, The Hartford and many smaller carriers have announced that they will be non renewing homeowners’ policies in California. A similar situation exists in Florida.

We can help them by facilitating risk pooling and transfer, which protects their reserve fund.

HOA-Managed

Increased affordability and availability of coverage
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Property Manger Managed

Long-term stable, reliable coverage
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Private-Equity Managed

Empowers communities to mitigate risk and move toward resiliency
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Stay informed with our climate science and research