What Allied Trust Insurance does

Allied Trust Insurance is a private property and casualty insurance company headquartered in Tampa, Florida and incorporated in Montana, focused on residential property coverage for coastal and catastrophe-prone markets. Founded in 2015 by Brian Keefer, the company operates exclusively through a network of independent insurance agents across four states: Louisiana, Texas, South Carolina, and North Carolina. Its product portfolio consists of six core and add-on lines: homeowners, dwelling fire, condo, flood, boat, and umbrella insurance. The carrier holds a Financial Stability Rating of 'A Exceptional' from Demotech and targets a specific underwriting niche where many national insurers have reduced or exited their coastal presence.

The business generates revenue through insurance premiums collected from policyholders via independent agent channels, supported by online policy management through the InsuredPortal and 24/7 claims reporting via phone and web. The company invests in catastrophe reinsurance ($240M paid to reinsurers against $230M of premium in one disclosed year), reflecting the structural risk-transfer economics of coastal P&C insurance. Technology is described as a standard insurance platform with no disclosed AI/ML capabilities, proprietary integrations, or developer APIs; the differentiation is operational and distribution-led rather than technology-led.

Following years of net losses tied to 2020-2021 hurricane activity (an accumulated $27M deficit), Allied Trust posted a $5M profit in 2024 and $16M through Q3 2025, and implemented a 2.3% overall rate reduction in late 2024. The company expanded into North Carolina via a 2022 business assumption from Lighthouse Property Insurance and officially launched NC homeowners coverage in December 2025. Management includes senior operators drawn from Bankers Insurance, Family Security, Progressive, USAA, and Allstate, with direct experience managing major hurricane claims.

Name

Allied Trust Insurance

Legal name

Allied Trust Insurance Company

Website

https://alliedtrustins.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Allied Trust Insurance is a private Tampa-based property and casualty insurer writing homeowners, dwelling fire, condo, flood, boat, and umbrella coverage in Louisiana, Texas, North Carolina, and South Carolina, distributing exclusively through independent insurance agents in coastal catastrophe-prone markets.

Ownership category

akta.pro rank

Product category

Personal Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Property and casualty insurance
• Homeowners insurance
• Coastal catastrophe insurance
• Independent agent distribution
• Flood insurance coverage

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Supply Chain, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: Allied Trust Insurance generates revenue through collection of insurance premiums from policyholders. The company offers property and casualty insurance products including homeowners, dwelling fire, condo, flood, umbrella, and boat insurance. Premiums are collected through independent agent channels and online payment options including full payment, installments, and automatic payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Allied Trust Insurance underwrites and issues personal lines property and casualty insurance—Homeowners, Dwelling Fire, Condo, Flood, Boat, and Umbrella—focused on catastrophe-prone coastal markets. Policies are sold exclusively through licensed independent insurance agents in Louisiana, Texas, North Carolina, and South Carolina, with policy administration and claims handled through the company's InsuredPortal, agent portal, and dedicated claims operation (phone and online).

Product overview

Allied Trust Insurance is a property and casualty insurance company offering a portfolio of six core and add-on insurance products for residential properties. The company operates through independent insurance agents exclusively, selling Homeowners, Dwelling Fire, Condo, Flood, Boat, and Umbrella insurance across Louisiana, Texas, North Carolina, and South Carolina. Their product suite is designed specifically for homeowners in catastrophe-prone coastal areas, with customizable coverage options that can be tailored to individual property needs. Products are fully customizable and issued/underwritten by Allied Trust Insurance Company, with issuance of coverage subject to underwriting review and approval.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance Property insurance covering a homeowner's primary residence against covered perils such as wind, hail, fire, and other risks, with customizable options tailored for homeowners in catastrophe-prone coastal areas. Issued and underwritten by Allied Trust Insurance Company; sold exclusively through licensed independent insurance agents in Louisiana, Texas, North Carolina, and South Carolina.
• Dwelling Fire Insurance Coverage protecting residential structures against fire, smoke, and other fire-related damage, designed for homeowners and landlords seeking protection for properties that may not qualify for standard homeowners policies. Sold exclusively through independent insurance agents across Allied Trust's four-state operating footprint.
• Condo Insurance Coverage tailored for condominium unit owners, addressing shared-wall construction and individual unit contents and liability. Marketed to condo owners in Louisiana, Texas, North Carolina, and South Carolina via independent insurance agents.
• Flood Insurance Coverage protecting residential properties against flood damage, providing financial protection when floodwaters rise and damage homes and belongings. Targeted at property owners in flood-prone and coastal areas across Allied Trust's four states; sold through independent agents.
• Boat Insurance Coverage for boat owners providing protection for watercraft and associated liability against covered losses. Marketed to boat owners in Allied Trust's four-state footprint via independent insurance agents.
• Umbrella Insurance Excess personal liability coverage providing additional protection beyond the limits of standard homeowners, auto, or other underlying policies. Positioned for individuals and families seeking broader liability protection, sold through independent agents in Louisiana, Texas, North Carolina, and South Carolina.

Quantifiable outcome

• Reduced rates by 2.3% overall with newer homes with stronger roofs going down more than 10% effective December 20th
• +2 more outcomes

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Coalition Against Insurance FraudminorOthersAllied Trust Insurance is a member of the Coalition Against Insurance Fraud, demonstrating commitment to ethical insurance practices and fraud prevention. The Coalition Against Insurance Fraud logo appears on the company website.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• TypTap Insurance Company: TypTap is a coastal-focused homeowners insurer operating in Florida and other Gulf/Southeast states with an exclusive independent agent channel. It is a direct competitor for the same hurricane-exposed coastal residential accounts Allied Trust targets, and Allied Trust's VP of Marketing previously worked there.
• Slide Insurance: Slide Insurance is a Florida-based specialty property insurer writing coastal residential coverage in the Southeast, with an exclusive independent agent distribution model that mirrors Allied Trust's GTM. The two compete directly for the same homeowner and coastal property risks across overlapping geographies.
• Florida Peninsula Insurance Company: Florida Peninsula is a coastal-focused homeowners insurer in Florida using independent agents. It competes for the same hurricane-exposed coastal residential book of business that Allied Trust pursues across its operating states.
• Heritage Property & Casualty Insurance: Heritage is a Florida-based coastal property and casualty insurer writing homeowners in catastrophe-prone areas through independent agents. It is a direct competitor for residential coastal premium in overlapping Southeastern geographies.
• St. Johns Insurance Company: St. Johns is a Florida-domiciled specialty carrier focused on coastal residential property and catastrophe-exposed homeowners. Allied Trust's SC Territory Manager previously worked at St. Johns, indicating direct overlap in territory, distribution model, and risk appetite.
• Prepared Insurance Company: Prepared is a Florida-based residential property insurer with a focus on coastal catastrophe-exposed properties, distributed through independent agents. Allied Trust's COO previously held the AVP of Operations & Compliance role there, indicating direct operational and strategic overlap.

Broad incumbents

• Bankers Insurance Group: Bankers is a broader P&C insurance group (homeowners, auto, commercial) with a strong Florida and Gulf Coast presence. It is a broader incumbent operating in many of the same coastal states, and Allied Trust's founder previously served as EVP/COO/CRO there.
• Citizens Property Insurance Corporation: Citizens is the Florida state-backed insurer of last resort for coastal and catastrophe-exposed properties. It is a structural competitor shaping the pricing environment in which Allied Trust operates and a benchmark for the residual coastal market supply gap.
• Tower Hill Insurance: Tower Hill is a Florida-domiciled property and casualty insurer writing coastal residential coverage. It operates as a broader incumbent in the same catastrophe-prone Florida/Gulf market and shares the independent agent distribution channel Allied Trust relies on.
• Universal Property & Casualty Insurance (UPC): UPC is a Florida coastal-focused P&C insurer writing homeowners through independent agents. It is a broader incumbent in the same Southeast coastal catastrophe market, with overlapping distribution and risk profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AlliedTrustInsuranceCompany1
• LinkedInlinkedin.com/company/allied-trust-insurance-company
• Instagraminstagram.com/alliedtrustinsco
• Xx.com/alliedtrustins

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Allied Trust Insurance