Michael [???]
Founder
WithRhino
WithRhino provides AI‑driven risk analysis for California homes in wildfire‑prone zones, creating detailed property risk profiles from satellite imagery, construction data, and on‑site photos. The platform matches these profiles against the underwriting criteria of over 100 insurers—including admitted carriers, surplus lines, and the California FAIR Plan—to deliver tailored coverage options and hardening recommendations that can lower premiums. Real‑estate agents also use the free DealShield tool to instantly verify a property’s insurability.
- Artificial Intelligence
- Insurance Technology
Updated 5 months ago
Funding
Funding rounds are not available yet.
Founders
Product
Problem
Homeowners in California’s high‑fire‑risk zones often cannot obtain or afford property insurance because traditional underwriting lacks detailed, location‑specific risk data, and insurers are reluctant to underwrite these homes.
Solution
WithRhino uses AI to generate a detailed risk profile for each property by combining satellite imagery, construction records, and on‑site photos. The platform then cross‑references this profile with the underwriting criteria of over 100 carriers—including admitted insurers, surplus lines, and the California FAIR Plan—to present the homeowner with the most suitable coverage options. It also provides actionable hardening recommendations that can lower premiums and improve eligibility. Real‑estate agents can access the same intelligence through the free DealShield tool to verify a property’s insurability instantly. All analysis is delivered via an online portal, allowing users to obtain quotes or schedule consultations without the need for manual underwriting.
Target Audience
The primary customers are California homeowners living in wildfire‑prone areas and real‑estate agents who need rapid verification of a property’s insurability.
Features
- AI-driven risk modeling that integrates satellite data, building permits, and ground‑level photography to assess wildfire exposure
- Automated carrier matching engine that evaluates 100+ insurer appetite rules for admitted, surplus, and FAIR Plan policies
- Personalized home‑hardening suggestions that quantify potential premium reductions and eligibility improvements
- DealShield web app for real‑estate professionals to instantly check any California property’s insurance status
- Coverage across 160+ California cities, with regional risk insights for Northern, Central, and Southern California markets