Genstone Insurance

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.

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

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core 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

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core.

• American NationalcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing policies for real estate investment properties. Genstone files claims on behalf of customers with American National policies.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims can be filed directly through Foremost's claims portal.
• AllStatecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims can be filed directly through AllState's claims portal.
• Hippo InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims can be filed directly through Hippo's claims portal.
• Nationwide InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims can be filed through Nationwide's claims servicing portal.
• Openly InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims can be filed through Openly's claims portal.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims can be filed through Safeco's claims portal.
• Travelers InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims can be filed through Travelers' claims reporting system.

Scale indicators1 record

Recent moves6 records

Expansion highlights7 records

Others

• 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

• LinkedInlinkedin.com/company/constructive-insurance-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Genstone Insurance