Birmingham Insurance Group

What Birmingham Insurance Group does

Birmingham Insurance Group, LLC (d/b/a BIG Insurance) is a privately-held, full-service property and casualty insurance agency founded in 2018 and headquartered at 1 Perimeter Park So, Suite 100 N, Birmingham, Alabama. The firm specializes in risk management solutions for Single Family Rental (SFR) and Multi-Family investment real estate, with programs available in all 50 US states plus Washington, DC. The company positions itself as "founded by investors for investors," serving real estate investors, landlords, property managers, tenants, and developers.

The core product portfolio comprises three integrated programs: the Investor/Landlord Program (property, general liability, water & sewer, and loss of rents coverage), the Renter's Program (tenant contents and liability), and the Flood Program (lender-compliant flood coverage). Customers access policies through three dedicated self-service portals hosted on Arcana Insurance Hub ($2,500 Deductible, $5,000 Deductible, and REI Choice variants). Pricing is quote-based and determined by property-specific factors (valuation, deductible preference, occupancy, construction, renovation history, fire-station proximity, claims history), with policies billed annually. The technology stack is intentionally light: a detailed website quote intake form, phone/email sales support during business hours, and outsourced portal infrastructure via the Arcana partnership.

The business model is a standard insurance agency commission structure on annually-renewing insurance premiums, with a sales-led go-to-market driven by direct website quote requests, customer testimonials, and reciprocal referral relationships with professional property managers. Customer acquisition relies on bottom-of-funnel web CTAs and mid-funnel referrals, with the company also connecting clients to adjacent real estate service providers (general contractors, attorneys, LLC formation assistance). The firm operates with 1-10 employees, has no disclosed funding, no parent company, and no institutional backing indicated in the source material.

Name

Birmingham Insurance Group

Legal name

Birmingham Insurance Group, LLC

Website

https://biginsurance.us

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Birmingham Insurance Group is a property and casualty insurance agency specializing in risk management for real estate investors, landlords, and tenants in the Single Family Rental and Multi-Family space across all 50 US states plus DC.

Ownership category

akta.pro rank

Headquarters

HQ city

Birmingham

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums from policyholders for property, general liability, water & sewer, and loss of rents coverage. Policies are offered as annual contracts with various deductible options ($2,500 and $5,000). Revenue is recurring in nature as policies renew annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Birmingham Insurance Group is a full-service property and casualty insurance agency that sells tailored insurance programs for the Single Family Residence (SFR) and Multi-Family rental real estate investment market. Its core products are an Investor/Landlord Program (property, general liability, water & sewer, and loss of rents coverage), a Renter's Program (tenant contents and liability), and a Flood Program for lender compliance, all available in all 50 states plus Washington, DC and priced on a quote basis.

Product overview

Birmingham Insurance Group offers a unified suite of property and casualty insurance programs designed specifically for real estate investors and landlords. The core product portfolio consists of three interconnected insurance programs: the Investor/Landlord Program (providing property, liability, water/sewer, and loss of rents coverage), the Renter's Program (offering tenant contents and liability coverage), and the Flood Program (addressing flood zone compliance requirements). These programs are complemented by customer portal options ($2,500 Deductible, $5,000 Deductible, and REI Choice) that provide policyholders with self-service access to manage their coverage. All programs are available across all 50 states plus Washington, DC, targeting SFR and Multi-Family investment properties.

Differentiator

Problem solved

Functional benefit

Products and services

• Investor / Landlord Program Insurance program providing property, general liability, water & sewer, and loss of rents coverage for investment and rental properties owned by real estate investors and landlords. Designed for Single Family Residence (SFR) and Multi-Family rental properties nationwide.
• Renter's Program

Quantifiable outcome

• Flood coverage can be activated in matter of minutes for lender compliance

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Arcana Insurance HubcoreTechnology or IntegrationTechnology partnership providing customer self-service portals for policy management. Three dedicated portal options: $2,500 Deductible plan portal, $5,000 Deductible plan portal, and REI Choice plan portal. Portals allow existing customers to log in and manage their insurance policies, view documents, and process changes.
• Property Management CompaniesminorChannel Partner/ Reseller/ DistributorReferral relationships with professional property management companies who recommend Birmingham Insurance Group to their investor clients. Testimonials indicate the company also refers customers to property managers, creating a bidirectional referral relationship. Additionally provides connections to general contractors, attorneys, and LLC setup assistance.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Steadily: Insurtech delivering landlord and rental property insurance with a digital-first distribution model. Direct peer: nearly identical product envelope (landlord property, liability, loss of rents), same target customers (individual rental property owners), and overlapping geographic coverage in the U.S.
• National Real Estate Insurance Group (NREIG): Insurance agency built around real estate investor and landlord coverage across multiple states. Direct peer: agency model (not a carrier), same vertical specialization in rental-property insurance, and similar reliance on carrier appointments and investor-focused service.
• Obie Insurance: Insurtech focused exclusively on insurance for real estate investors and landlords. Direct peer: same customer (individual and small-portfolio investors buying SFR/multi-family policies), same risk profiles, and competing for the same wallet share on landlord/rental property coverage.

Broad incumbents

• The Hartford: National P&C insurer with a strong small-business and property focus. Broad incumbent: writes commercial property and liability lines comparable to BIG's Investor/Landlord Program as part of a much wider portfolio, frequently accessed via independent agents.
• State Farm: Largest U.S. personal lines P&C mutual with extensive agent network. Broad incumbent: ubiquitous alternative for homeowners and renters coverage in BIG's market, often the incumbent agent of record that BIG must displace to win landlord clients.
• Lemonade: Public Insurtech offering homeowners and renters policies as part of a broad P&C portfolio. Broad incumbent: offers overlapping capabilities (renters, homeowners for investor-owned rentals) at scale, but does not specialize in landlord/investor programs the way BIG does.
• Travelers: Large national P&C insurance carrier serving personal and commercial lines including residential and investment property risks. Broad incumbent: provides the underlying carrier capacity and competing direct products that agencies like BIG operate alongside.
• Allstate: Large national P&C carrier with personal property and small commercial lines. Broad incumbent: competes for the same landlord/renter personal lines premiums through captive and broker channels, anchoring customer price benchmarks BIG must match.
• Hippo Insurance: Insurtech carrier/agency focused on homeowners insurance for owners, including investment properties. Broad incumbent: significant overlap on single-family residential and rental property coverage, paired with a much broader product set and capital base.

Emerging players

• Kin Insurance: Digital-first homeowners carrier and agency targeting property owners, including investors. Emerging player: meaningful overlap on residential property coverage and on customer experience expectations set by Insurtech-native entrants, but a different scale stage and capital profile than BIG.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/biginsuranceus
• LinkedInlinkedin.com/company/big-insurance-us

Revenue estimate

Valuation estimate

Number of profiles

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 Birmingham Insurance Group