IMGA
iMGA is a Texas-based Managing General Agent that underwrites and distributes personal property insurance — homeowners, dwelling, mobile home, renters, and vacant dwelling — exclusively through independent agents in Texas, specializing in older homes, non-standard construction, and rural or "unprotected" risks declined by mainstream carriers.
- Company typePrivate
- Founded2009
- HeadquartersAustin, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What IMGA does
iMGA is a Texas-based Managing General Agent (MGA) founded in 2009 by Rob Reinarz that creates, underwrites, and distributes personal property insurance products exclusively through independent insurance agents across Texas. The company offers five core lines — homeowners, dwelling (rental property), mobile home, renters, and vacant dwelling — and specializes in risks that mainstream carriers typically decline or price punitively: older homes (average year-built of new homeowners business in March 2024 was 1962, range 1916–2019), properties with asbestos or metal siding, rural locations with volunteer fire departments, and "unprotected" protection classes 8, 9, and 10. Premiums are underwritten by A.M. Best A- or better rated U.S. and Texas carrier partners, claims are administered by The Littleton Group, and iMGA collects a 15% commission on new and renewal business.
The company's core technology choices reflect deliberate risk-selection design rather than a software platform business: iMGA uses AAIS (American Association of Insurance Services) fire protection codes instead of ISO codes, weighting distance to fire hydrant and fire station regardless of whether the department is volunteer or paid — a methodology that meaningfully benefits smaller Texas towns and rural properties. Policy features are also engineered for the niche: flexible contents (0-75% of Coverage A), other structures (0-20%), and loss of use (0-20%) limits; no credit-score rating; automatic $100,000 Personal Equipment Breakdown coverage on all homeowners, dwelling, and mobile home policies with a $500 deductible; and flexible deductibles including a 1%/$1,000 option statewide.
iMGA operates as a lean, founder-owned firm with approximately 6 core personnel plus operations support. Its entire go-to-market runs through the Texas independent agent channel — agents apply, onboard, train, and use a web-based quote-and-bind portal (prod.imga.biz), with no direct-to-consumer sales. Multiple discounts (10% multi-policy, 5% first-responder/military/veteran, 5% pay-in-full) and a held-flat pricing strategy since 2021, despite ~43% cumulative industry rate increases in 2023–2024, form the core commercial proposition. Geographic discipline is enforced by writing only Texas — and even within Texas, restricting DFW, Harris County, and Tier 1/2 coastal counties to renters-only.
IMGA firmographics
Firmographics- Name
- IMGA
- Legal name
- iMGA
- Website
- https://imga.biz
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- iMGA is a Texas-based Managing General Agent that underwrites and distributes personal property insurance — homeowners, dwelling, mobile home, renters, and vacant dwelling — exclusively through independent agents in Texas, specializing in older homes, non-standard construction, and rural or "unprotected" risks declined by mainstream carriers.
- Ownership category
- akta.pro rank
IMGA industry classification
Industry- Product category
- Personal Property Insurance (Managing General Agent)
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
- akta.pro secondary industry
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA)
Keywords
Where IMGA is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
IMGA business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Insurance Premiums: iMGA generates revenue through insurance premiums collected from policyholders. The company acts as an MGA (Managing General Agent) offering personal property insurance products including dwelling, homeowners, mobile home, renters, and vacant dwelling insurance. Premiums are collected through their platform and policies are underwritten by carrier partners rated A.M. Best A- or better.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Insurance products with flexible coverage limits and multiple discount options |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
IMGA product offering
Product offeringCore offering
iMGA is a Texas-based Managing General Agent (MGA) that creates, underwrites, and manages five personal property insurance products—Dwelling, Homeowners, Mobile Home, Renters, and Vacant Dwelling—distributed exclusively through independent insurance agents. iMGA sets the underwriting appetite, prices the risk, and handles agent servicing, while A.M. Best A- or better rated U.S. and Texas carriers provide the paper and The Littleton Group administers claims. Policies are quote-based with flexible coverage limits and multiple discounts, and are sold only within Texas.
Product overview
iMGA is a Texas-based Managing General Agent (MGA) offering a portfolio of specialty personal property insurance products designed for independent insurance agents to offer to Texas residents. The core product lineup consists of five insurance products: Dwelling Insurance (for residential rental properties), Homeowners Insurance (for primary residences), Mobile Home Insurance (for manufactured housing), Renters Insurance (for tenant personal property and liability), and Vacant Dwelling Insurance (for unoccupied properties). These products are distributed exclusively through independent insurance agents across Texas and are underwritten by A.M. Best A- or better rated U.S. and Texas carrier partners. The company specializes in covering older homes, rural properties, and risks that other carriers may decline, including properties with asbestos or metal siding, and unprotected risks in protection classes 8, 9, and 10.
Differentiator
Problem solved
Functional benefit
Products and services
- Dwelling Insurance Property and liability insurance for residential rental properties, covering the structure, contents (configurable 0-75% of Coverage A), other structures (0-20% of Coverage A), and loss of use (0-20% of Coverage A). Designed for Texas independent insurance agents placing rental dwelling risks for their landlord clients, including older and non-standard-construction properties.
- Homeowners Insurance Comprehensive personal property and liability coverage for owner-occupied primary residences in Texas, including protection for the home, personal property, liability, and automatic Personal Equipment Breakdown coverage up to $100,000 with a $500 deductible. Targeted at Texas independent insurance agents placing older homes (average year built 1962) and non-standard construction that mainstream carriers decline.
- Mobile Home Insurance Tailored property and liability coverage for Texas mobile and manufactured home owners, covering structure, contents, and liability with the same flexible coverage limit ranges as other iMGA products. Built for Texas independent agents seeking a market for manufactured housing, including older units standard carriers decline.
- Renters Insurance Affordable personal property and liability coverage for Texas tenants, covering belongings inside the rental unit and liability for accidents within the rental. Sold through Texas independent insurance agents and the only product line iMGA writes in restricted geographies (DFW, Harris County, coastal counties).
- Vacant Dwelling Insurance Property and liability coverage for unoccupied Texas homes, protecting the structure and contents against vandalism, theft, and weather-related damage. Designed for Texas independent insurance agents placing vacant or temporarily unoccupied properties that standard carriers refuse.
Quantifiable outcome
- December 2022 was the biggest new business December since 2015, with average home age of 50 years (built 1972)
- +4 more outcomes
Companies that use IMGA
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles1 record
IMGA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
IMGA partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- The Littleton GroupcoreThe Littleton Group handles all iMGA claims. Policyholders can report claims by calling 800-773-4081, emailing [email protected], or faxing claim information to 512-328-2017. Claim forms in English and Spanish are available on the website.
- A.M. Best A- or Better Rated CarrierscoreiMGA partners with U.S. and Texas insurance carriers rated A.M. Best A- or better to underwrite their personal property insurance products. This ensures financial stability and reliability for policyholders.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
IMGA competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
IMGA social profiles
Digital presenceIMGA financial estimates
Financial estimateRevenue estimate
Valuation estimate
IMGA leadership team
Management profileNumber of profiles
Profiles6 records
IMGA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IMGA 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 IMGA
What does IMGA do?
iMGA is a Texas-based Managing General Agent (MGA) that creates, underwrites, and manages five personal property insurance products—Dwelling, Homeowners, Mobile Home, Renters, and Vacant Dwelling—distributed exclusively through independent insurance agents. iMGA sets the underwriting appetite, prices the risk, and handles agent servicing, while A.M. Best A- or better rated U.S. and Texas carriers provide the paper and The Littleton Group administers claims. Policies are quote-based with flexible coverage limits and multiple discounts, and are sold only within Texas.
Is IMGA a public or private company?
IMGA is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was IMGA founded?
IMGA was founded in 2009. It employs 1 to 10 people.
Where is IMGA based?
IMGA is headquartered in Austin, United States, in the North America region.
How does IMGA make money?
One revenue line is on record: insurance Premiums.
Does IMGA have an API?
No public API is recorded for IMGA.
What industry is IMGA in?
IMGA's product category is Personal Property Insurance (Managing General Agent). Its primary akta.pro industry code is FSAEADAK, Insurance Program Administration & MGA/MGU Services, with a secondary code of FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 524210 and its SIC code is 6411.