Centauri Insurance

Name

Centauri Insurance

Legal name

Centauri Specialty Insurance Company

Website

https://centauriinsurance.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Coastal Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD), Habitational / Residential Property Managers BOP (FSAJAFAN)

Keywords

• Property casualty insurance
• Coastal insurance
• Catastrophe insurance
• Homeowners insurance
• Commercial insurance

Headquarters

HQ city

Columbia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Personal Lines Insurance Premiums: Recurring insurance premiums from personal property coverage including homeowners, renters, condominium, dwelling fire, flood, and equipment breakdown policies. Revenue generated through annual or monthly premium payments.
2. Commercial Lines Insurance Premiums: Recurring insurance premiums from commercial property coverage including commercial residential (condo associations, apartments, HOAs) and business owners policies (office, retail, wholesale, service occupancies).

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Centauri Insurance is a property and casualty insurance carrier that underwrites and issues personal lines (Homeowners, Renters, Condominium, Flood, Dwelling Fire, Equipment Breakdown) and commercial lines (Commercial Residential for condo associations and HOAs, Business Owners Policy) coverage in catastrophe-exposed coastal markets. The company leverages AI-driven risk analytics (ZestyAI Roof Age and Z-PROPERTY™) to assess property risk, distributes products through independent agents, and supports business with a global reinsurance program and catastrophe bond.

Product overview

Centauri Insurance operates as a property and casualty insurance carrier offering a portfolio of residential and commercial insurance products through independent insurance agents. The residential suite includes Homeowners, Renters, Condominium, Flood, Dwelling Fire, and Equipment Breakdown coverages. The commercial suite provides Commercial Residential and Business Owners policies with associated Equipment Breakdown options. Products are distributed across seven states (Alabama, Florida, Hawaii, Louisiana, Mississippi, North Carolina, South Carolina, Texas) via Agency Download and web-based agent portals. The company, now owned by Lilypad Insurance Holdings, leverages AI-driven analytics from ZestyAI for property risk assessment and has partnered with Betterview for storm risk management.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance

Quantifiable outcome

• ZestyAI covers 97% of U.S. properties with roof age verification and confidence scores
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• ZestyAIcoreTechnology or Integration · 19 February 2026Lilypad Insurance (parent company) partnered with ZestyAI to use AI-driven risk analytics across coastal homeowners and dwelling fire portfolios. The partnership leverages ZestyAI's Roof Age and Z-PROPERTY™ tools to evaluate roof conditions, building attributes, and parcel-level characteristics, reducing exposure uncertainty and improving portfolio risk management in hurricane-prone coastal markets.
• Lilypad Insurance HoldingsflagshipOthers · 22 April 2024Lilypad Insurance Holdings (a subsidiary of Arbol Inc.) completed acquisition of Centauri Specialty Insurance Company and Centauri National Insurance Company, effective September 30, 2024. This strategic acquisition strengthens Lilypad's footprint in the coastal property insurance market.
• BetterviewcoreTechnology or Integration · 20 July 2023Centauri Insurance partnered with insurtech company Betterview for proactive storm risk management, enhancing the company's ability to assess and manage property risks before and after catastrophic events.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Heritage Insurance Holdings: Florida-headquartered specialty P&C insurer focused on personal and commercial residential property in catastrophe-exposed states. One of the most direct competitors to Centauri in coastal homeowners and commercial residential coverage.
• HCI Group (Homeowners Choice): Specialty property insurer headquartered in Florida, writing homeowners and commercial residential in coastal states. Operates through similar independent agent distribution and overlapping geographic footprint with Centauri.
• Universal Insurance Holdings: NYSE-listed Florida property and casualty insurer writing homeowners and related lines through independent agents. Directly competes with Centauri in the Florida coastal homeowners market with a much larger premium base.
• Olympus Insurance: Florida-based specialty property insurer focused on homeowners in coastal catastrophe-exposed markets. Comparable scale, similar independent agent distribution, and same Florida regulatory exposure.
• Tower Hill Insurance Group: Florida-based specialty property insurer offering homeowners, dwelling fire, and commercial residential coverage through independent agents. Overlaps significantly with Centauri's product mix and Florida/SE footprint.
• Florida Peninsula Insurance: Florida-only homeowners insurance carrier specializing in coastal property coverage. Direct competitor in Centauri's home state with similar customer profile and agent distribution.

Emerging players

• Kin Insurance: Insurtech-driven homeowners insurance carrier using technology and direct-to-consumer distribution for coastal catastrophe-exposed markets. Overlaps with Centauri in target geographies but uses a different distribution model.
• Slide Insurance: Florida-focused specialty property insurer rapidly scaling coastal homeowners coverage. Competitive overlap with Centauri in Florida and southeastern coastal states, with similar catastrophe expertise.

Regional players

• Citizens Property Insurance Corporation: Florida's state-backed insurer of last resort for property coverage. Indirect competitor — as private insurers like Centauri take policies out of Citizens, it sets the residual-market floor for pricing and availability.

Others

• ZestyAI: AI-driven property risk analytics provider whose Roof Age and Z-PROPERTY tools power Centauri's underwriting. A technology partner rather than competitor, but a structural enabler comparable to how other carriers partner with Verisk or CoreLogic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CENTAURI_INSURE
• LinkedInlinkedin.com/company/centauri-specialty-insurance-holdings-inc-
• Facebookfacebook.com/centauriinsurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 Centauri Insurance