HomeAuto.US

What HomeAuto.US does

HomeAuto.US, doing business as National Home and Auto Insurance Agency, is an independent personal insurance brokerage headquartered in Cockeysville, Maryland. Founded in 2013, the agency serves individuals and families in the Mid-Atlantic region and is licensed in 26 U.S. states. It distributes an 11-product portfolio spanning Auto, Home, Renters, Condo, Short-Term Rental, Flood, Motorcycle, Boat, RV, Pet, and Umbrella insurance, sourced from a network of 12+ carrier partners including Progressive, Nationwide, Liberty Mutual, Travelers, Chubb, The Hartford, Encompass, Foremost, Hagerty, Main Street America, American Modern, and American Strategic.

The business model is commission-based: the agency shops multiple carriers on behalf of each customer and earns recurring commissions on bound and renewed policies. Distribution is primarily sales-led through a small team of approximately six licensed agents and customer service staff (including Shane Abernathy as Customer Experience Manager, Kim Roil as Home Insurance Specialist, Mary Bryant as Agent, and Amy Riale, Lori Vernetti, and Linda Anderson in customer service roles), supported by website quote forms, an educational blog, email outreach, a 'Refer A Friend' program, and Google reviews. There is no proprietary technology stack, no AI/ML capabilities, no funding rounds, and no parent company or institutional ownership.

The firm competes against both captive (single-carrier) agents and direct-to-consumer digital insurers on the basis of carrier breadth, local personalized service, and claims-handling support. Its growth levers are product-line expansion, geographic licensing, and content/SEO-led customer acquisition rather than technology differentiation or capital deployment.

Name

HomeAuto.US

Legal name

National Home and Auto Insurance Agency

Website

https://homeauto.us

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

HomeAuto.US (National Home and Auto Insurance Agency) is an independent personal insurance brokerage in Cockeysville, Maryland, distributing 11 auto, home, and specialty insurance lines from 12+ carriers to individuals and families across the Mid-Atlantic and 25 other licensed U.S. states.

Ownership category

akta.pro rank

Headquarters

HQ city

Hunt Valley

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, the company earns revenue through commissions paid by insurance carrier partners when policies are sold or renewed. The agency shops multiple insurance companies on behalf of clients to find optimal coverage at competitive rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

National Home and Auto Insurance Agency (HomeAuto.US) is an independent insurance brokerage that shops policies from multiple insurance carriers on behalf of individual consumers in the Mid-Atlantic region. The agency sells 11 personal insurance product lines spanning auto, home, renters, condo, short-term rental, flood, motorcycle, boat, RV, pet, and umbrella coverage. Revenue is earned through commissions paid by carrier partners when policies are sold or renewed.

Product overview

National Home and Auto Insurance Agency operates as an independent insurance agency offering a portfolio of 11 personal insurance products. The core offerings include Auto Insurance, Home Insurance, and various specialty lines (Motorcycle, Boat, RV, Pet) alongside property coverage products (Renters, Condo, Short-Term Rental, Flood). Umbrella Insurance serves as an add-on liability layer. The agency acts as a broker, shopping multiple carrier policies to find optimal rates for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core.

• American Modern Insurance Group, Inc.coreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing specialty insurance products including manufactured housing and recreational vehicles. Customers can access claims and billing through American Modern's portal.
• American StrategiccoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Customers can access claims center and policy portal through American Strategic's platform.
• Chubb Group Holdings Inc.coreChannel Partner/ Reseller/ DistributorLarge global insurance provider offering personal and commercial insurance. Agency offers Chubb products as part of their carrier network.
• EncompasscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering personal insurance products through independent agents. Customers can access claims and payment services.
• Foremost Insurance GroupcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier providing coverage for mobile homes, motorhomes, and specialty property products.
• Hagerty, Inc.coreChannel Partner/ Reseller/ DistributorInsurance carrier specializing in classic car and boat insurance. Agency offers Hagerty products for specialty vehicle coverage.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier offering auto, home, and other personal insurance products through independent agents.
• Main Street America Group, Inc.coreChannel Partner/ Reseller/ DistributorRegional insurance carrier offering personal and commercial insurance products primarily in the Midwest and Southeast.
• Nationwide Mutual Insurance CompanycoreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing auto, home, and life insurance through independent agent distribution.
• Progressive Casualty Insurance CompanycoreChannel Partner/ Reseller/ DistributorLarge national auto insurance carrier known for competitive rates and brand advertising. Agency offers Progressive products as part of carrier network.
• The Hartford Insurance Group, Inc.coreChannel Partner/ Reseller/ DistributorNational insurance carrier offering personal and business insurance products including auto, home, and umbrella coverage.
• The Travelers Companies, Inc.coreChannel Partner/ Reseller/ DistributorMajor national insurance carrier providing auto, home, and business insurance through independent agents. Known for comprehensive coverage options.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• The Zebra: Online insurance comparison platform letting consumers compare auto and home quotes from multiple carriers. Competes for the same multi-carrier-shopping customer use case HomeAuto.US serves, but via a digital-first experience.
• Lemonade: Direct-to-consumer insurtech offering renters, home, auto, and pet insurance via mobile app. Targets the same personal-lines customer base but bypasses agents entirely, representing the structural headwind to the traditional agency model.

Broad incumbents

• Goosehead Insurance: Public independent insurance agency franchise distributing personal lines through carrier partnerships across the US. Highly comparable distribution model (multi-carrier broker serving consumers), though materially larger and franchise-structured.
• Brown & Brown Insurance: Public insurance brokerage distributing personal, commercial, and benefits lines through independent agency channels. Comparable distribution structure, though vastly larger and more diversified.
• GEICO (direct): Direct-to-consumer auto and home insurance carrier with heavy national advertising. Competes with HomeAuto.US for standard personal auto and home buyers who choose direct over agent distribution.
• Hub International: Large PE-backed insurance brokerage distributing personal and commercial lines across multiple carrier relationships. Operates the same multi-carrier brokerage model HomeAuto.US does, but at national scale with commercial focus.
• State Farm (captive agent network): Largest US personal lines carrier selling through captive agents and increasingly direct channels. Competes for the same auto/home/renters customer in the Mid-Atlantic with strong brand recognition.

Regional players

• Bankers Insurance Group: Regional independent agency/carrier serving Mid-Atlantic and Southeast personal lines markets. Closely comparable footprint and product mix, though with carrier-side operations in addition to agency distribution.

Direct peers

• Brightway Insurance: Independent insurance agency franchise offering home, auto, and specialty personal lines through carrier partnerships. Same business model and target customer as HomeAuto.US but operating a franchise/retail-store expansion model.
• Insuritas: Builds and operates embedded insurance agencies inside financial institution channels. Closely comparable independent agency model selling multi-carrier personal lines, but with a financial-institution distribution layer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 HomeAuto.US