Genstone Insurance
Genstone Insurance is a licensed brokerage providing real estate investment property coverage — landlord, fix-and-flip, vacant, multi-property bundle, and REIT insurance — to investors across all 50 U.S. states on a commission-based model with top-tier carrier partnerships.
- Company typePrivate
- Founded2018
- HeadquartersChicago, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Genstone Insurance does
Genstone Insurance is a licensed insurance brokerage specializing in real estate investment property coverage, operating under the legal entity Constructive Insurance LLC. Founded in 2018 and headquartered in Tampa, FL (with a Chicago mailing address), the company is licensed in all 50 U.S. states plus the District of Columbia, operating as Genstone Insurance in most jurisdictions and as Genstone Insurance Services in GA, NY, NM, MI, and WI. It serves real estate investors across the spectrum — first-time individual landlords, fix-and-flip investors, multi-property portfolio holders (3 to 3,000+ properties), vacant property owners, and REITs — offering Landlord, Fix & Flip, Vacant, Multi-Property Bundle, and REIT insurance, plus optional Flood, Earthquake, Building Code, and Landlord Personal Property add-ons.
The business operates on a commission-based revenue model, earning fees from eight top-tier insurance carriers (American National, Foremost, AllState, Hippo, Nationwide, Openly, Safeco, and Travelers) when policies are placed and serviced. Distribution is sales-led: customers can request quotes through a self-serve web portal or via phone (844-388-2842), and each account is assigned a dedicated representative. The company is embedded in a broader network of affiliated real estate services entities — Constructive Loans LLC, Genstone Renovations LLC, GenStone LLC, and Title Clearing & Escrow LLC — which it uses to offer resources beyond traditional brokerage.
Genstone is privately held with no disclosed external funding and a headcount in the 11–50 range. In 2025, it appointed Dan Huynn (27 years of industry experience) as President to lead a national growth strategy emphasizing technology leverage, carrier relationship depth, and product expansion. No AI/ML capabilities, patents, awards, certifications, or institutional investors were disclosed in the input data.
Genstone Insurance firmographics
Firmographics- Name
- Genstone Insurance
- Legal name
- Constructive Insurance LLC
- Website
- https://genstoneinsurance.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Genstone Insurance is a licensed brokerage providing real estate investment property coverage — landlord, fix-and-flip, vacant, multi-property bundle, and REIT insurance — to investors across all 50 U.S. states on a commission-based model with top-tier carrier partnerships.
- Ownership category
- akta.pro rank
Where Genstone Insurance is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Genstone Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Insurance Commission Revenue: As a licensed insurance agency/broker, Genstone Insurance earns commissions from insurance carriers when they sell and service insurance policies. They work with multiple top-tier carriers including American National, Foremost, AllState, Hippo, Nationwide, Openly, Safeco, and Travelers to provide coverage options to real estate investors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based pricing tailored to individual property portfolios |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Genstone Insurance product offering
Product offeringCore offering
Genstone Insurance is a licensed insurance brokerage (legal entity: Constructive Insurance LLC) that specializes in real estate investment property insurance. It places landlord, fix & flip, vacant, multi-property bundle, and REIT coverages through partnerships with top-tier carriers including American National, Foremost, AllState, Hippo, Nationwide, Openly, Safeco, and Travelers, and is licensed to operate across all 50 U.S. states and the District of Columbia.
Product overview
Genstone Insurance operates as a real estate investment insurance agency built by real estate investors for real estate investors. The core offering is landlord insurance with specialized variants for different investor segments: Fix & Flip Insurance for renovation projects, Vacant Property Insurance for unoccupied properties, Multi-Property Bundle Insurance for portfolio consolidation, and REIT Insurance for large-scale investment trusts. The company offers optional add-on coverages including Flood Insurance, Earthquake Insurance, Building Code Coverage, and Landlord Personal Property Coverage. Coverage is available in all 50 states including coastal regions. The parent entity is Constructive Insurance LLC, which operates as Genstone Insurance in most states and as Genstone Insurance Services in GA, NY, NM, MI, and WI.
Differentiator
Problem solved
Functional benefit
Products and services
- Landlord Insurance
Companies that use Genstone Insurance
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Genstone Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Genstone Insurance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- American NationalcoreInsurance carrier partner providing policies for real estate investment properties. Genstone files claims on behalf of customers with American National policies.
- Foremost InsurancecoreInsurance carrier partner. Claims can be filed directly through Foremost's claims portal.
- AllStatecoreInsurance carrier partner. Claims can be filed directly through AllState's claims portal.
- Hippo InsurancecoreInsurance carrier partner. Claims can be filed directly through Hippo's claims portal.
- Nationwide InsurancecoreInsurance carrier partner. Claims can be filed through Nationwide's claims servicing portal.
- Openly InsurancecoreInsurance carrier partner. Claims can be filed through Openly's claims portal.
- Safeco InsurancecoreInsurance carrier partner. Claims can be filed through Safeco's claims portal.
- Travelers InsurancecoreInsurance carrier partner. Claims can be filed through Travelers' claims reporting system.
Scale indicators1 record
Recent moves6 records
Expansion highlights7 records
Genstone Insurance competitors and assessment
Company assessmentOthers
- American National (ANICO): American National is a multi-line insurance carrier providing personal property and landlord policies. It is a Genstone carrier partner and competes indirectly through its own agency distribution for the same landlord customer.
- Foremost Insurance Group: Foremost is a specialty carrier offering mobile home, landlord, and rental property policies directly and through agents. It is a Genstone carrier partner, so the relationship is both supplier and indirect competitor via its own agent channel.
Direct peers
- Steadily: Steadily specializes in landlord and rental property insurance marketed directly to individual real estate investors, competing head-to-head with Genstone for the same SMB landlord customer.
- Openly Insurance: Openly is a tech-enabled home/landlord insurance carrier that partners with independent brokers to deliver rental property policies. It is both a Genstone carrier partner and a direct competitor for landlord insurance placement nationally.
- Obie Insurance: Obie is a digital insurance brokerage focused on real estate investors, offering landlord, fix & flip, and vacant property coverage — directly competing with Genstone across the same niche product set and target SMB investor segment.
Broad incumbents
- Lemonade: Lemonade is a broad digital insurance carrier offering renters, homeowners, and landlord policies via a mobile-first experience. Its landlord product overlaps Genstone's, though Lemonade's portfolio is far broader and not investor-specialized.
- Next Insurance: Next Insurance is a digital small-business insurer offering landlord and property coverage as part of a broader SMB portfolio. It competes with Genstone for the same individual-landlord segment with a fully digital, self-service experience.
Emerging players
- Hippo Insurance: Hippo is an insurtech offering homeowners and landlord insurance with a digital, embedded distribution model. It is also a Genstone carrier partner, making it both a supplier and a partial competitor in the rental property space.
- AppFolio Insurance Marketplace: AppFolio operates a property-management platform with an embedded insurance marketplace that connects landlords to renter's and landlord coverage. It competes for the same investor-attention budget and offers a more integrated software-plus-insurance value proposition.
Regional players
- CoreVest Finance (SitusAMC): CoreVest, now part of SitusAMC, specialized in financing and insurance solutions for single-family rental investors. While US-focused, its lender-distribution model is a structural analog to Genstone's investor-services ecosystem play.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Genstone Insurance social profiles
Digital presenceGenstone Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Genstone Insurance leadership team
Management profileNumber of profiles
Profiles1 record
Genstone Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Genstone Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Genstone Insurance
What does Genstone Insurance do?
Genstone Insurance is a licensed insurance brokerage (legal entity: Constructive Insurance LLC) that specializes in real estate investment property insurance. It places landlord, fix & flip, vacant, multi-property bundle, and REIT coverages through partnerships with top-tier carriers including American National, Foremost, AllState, Hippo, Nationwide, Openly, Safeco, and Travelers, and is licensed to operate across all 50 U.S. states and the District of Columbia.
Is Genstone Insurance a public or private company?
Genstone Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Genstone Insurance founded?
Genstone Insurance was founded in 2018. It employs 11 to 50 people.
Where is Genstone Insurance based?
Genstone Insurance is headquartered in Chicago, United States, in the North America region.
How does Genstone Insurance make money?
One revenue line is on record: insurance Commission Revenue.
Who are Genstone Insurance's main competitors?
Others on record are American National (ANICO) and Foremost Insurance Group. Direct peers are Steadily, Openly Insurance and Obie Insurance. Broad incumbents are Lemonade and Next Insurance. Emerging players are Hippo Insurance and AppFolio Insurance Marketplace. CoreVest Finance (SitusAMC) is listed as a regional player.
Does Genstone Insurance have an API?
No public API is recorded for Genstone Insurance.