NEST Insurance Agency

What NEST Insurance Agency does

NEST Insurance Agency is an independent insurance agency founded in 2017, headquartered in Amarillo, Texas, with a secondary office in Lubbock. The firm distributes personal and commercial insurance products on a multi-carrier basis, earning commission revenue from approximately 20 carrier partners including Allstate, Chubb, Liberty Mutual, Nationwide, MetLife, Travelers, The Hartford, and Hagerty. Its core product set spans nine lines: auto, home, commercial, life, flood, umbrella, motorcycle, renters, and classic car insurance, targeted at Texas Panhandle individual consumers and small business owners.

The technology stack is entirely third-party: the agency operates on EZLynx agency management software, integrates Clutch for digital auto quotes, and has no proprietary platform, patents, trademarks, or AI/ML capabilities of its own. Customer self-service functions (policy view, ID card printing, driver addition, payment, claims filing) are delivered through a web portal, and lead capture is supported by an SEO-optimized website and an educational blog plus a dedicated realtor referral channel.

Go-to-market is sales-led and consultative: licensed agents engage customers via in-person visits at two physical offices, phone, email, and online quote requests, then recommend policies across carrier options. Revenue mechanics are commission-based, with pricing quoted per individual risk profile rather than through disclosed standard tiers, and billings run on an annual cadence. The firm is privately held with no disclosed institutional ownership, no funding rounds, and a single named contact ([email protected]), consistent with a small, locally owned operation.

Name

NEST Insurance Agency

Legal name

Nest Insurance Agency

Website

https://nestinsuranceagency.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

NEST Insurance Agency is an independent, multi-carrier insurance agency founded in 2017 in Amarillo, Texas, with a second office in Lubbock. It distributes nine personal and commercial insurance lines through 20+ carrier partnerships to Texas Panhandle consumers and small businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Amarillo

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, NEST Insurance Agency earns revenue through commissions paid by insurance carrier partners for policies sold and renewed. Agents work with multiple insurers to find individualized coverage for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

NEST Insurance Agency is an independent insurance agency that sells and services personal and commercial insurance policies on behalf of multiple carrier partners, including auto, home, commercial, life, flood, umbrella, motorcycle, renters, and classic car coverage. Agents work with roughly 20 carriers to compare options and recommend policies to Texas residents and small businesses in the Amarillo and Lubbock markets, earning commissions from the carriers for policies bound. The agency also provides customer self-service tools for policy management, payments, and claims.

Product overview

NEST Insurance Agency is an independent insurance agency operating in Amarillo and Lubbock, Texas. The company offers a comprehensive portfolio of nine core insurance products spanning personal and commercial lines: Auto Insurance, Home Insurance, Life Insurance, Flood Insurance, Umbrella Insurance, Motorcycle Insurance, Renters Insurance, Classic Car Insurance, and Commercial Insurance. As an independent agency, they work with multiple carrier partners (including Allstate, Chubb, Nationwide, Liberty Mutual, MetLife, and Hagerty, among others) to provide individualized coverage options tailored to customer needs. The agency provides customer service tools including policy viewing, ID card printing, driver addition, payment processing, and claims filing through their website, along with an online quote comparison tool.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Texas auto insurance coverage for vehicle owners that protects against accidents on the road, including bodily injury liability, property damage liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Distributes policies from carrier partners such as Allstate, Nationwide, Liberty Mutual, MetLife, Encompass, and others.
• Home Insurance Texas homeowners insurance covering the dwelling, personal belongings, liability to visitors, and loss-of-use / temporary living expenses when the home is being repaired or rebuilt. Sourced through multiple home carrier partners.
• Commercial Insurance Commercial insurance for businesses that protects against financial loss arising from property damage, personal and advertising injury, and covers legal defense costs and compensation payments for covered claims. Sourced through commercial-focused carriers including Travelers, The Hartford, Chubb, Merchants, and AmTrust.
• Life Insurance Life insurance providing financial security for families against the loss of a breadwinner's income, covering funeral costs, debt, children's education, and other end-of-life expenses. Offered through life carrier partners.
• Flood Insurance Flood insurance coverage for property damage caused by flooding events, supplementing standard homeowner policies which typically exclude flood damage.
• Umbrella Insurance Umbrella insurance providing additional personal liability coverage above and beyond the limits of home, auto, boat, or other underlying policies, protecting assets and future earnings from major claims and lawsuits.
• Motorcycle Insurance Motorcycle insurance that protects riders against road risks, with comprehensive coverage for non-road-related accidents and liability coverage for at-fault accidents. Sourced through specialty carrier partners including Dairyland.
• Renters Insurance Renters insurance providing financial protection for rental property occupants against unexpected damage, theft, or vandalism of personal belongings, plus liability coverage for guest injuries.
• Classic Car Insurance Specialized insurance for classic, antique, or collectible vehicles that appreciate in value over time, offering agreed-upon replacement value protection tailored to vintage car owners. Sourced through specialty carrier Hagerty.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

20 partnerships are on record, tiered core and minor.

• AllstatecoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner offering auto, home, and commercial insurance products distributed through the agency.
• American Modern HomecoreChannel Partner/ Reseller/ DistributorInsurance carrier specializing in home and specialty property insurance products.
• AmTrustcoreChannel Partner/ Reseller/ DistributorCommercial and specialty insurance carrier partner.
• ChubbcoreChannel Partner/ Reseller/ DistributorPremium commercial and personal insurance carrier offering high-value coverage options.
• ClutchminorChannel Partner/ Reseller/ DistributorDigital insurance platform offering auto insurance quotes with agency-assigned representation.
• DairylandcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier offering motorcycle and auto insurance products.
• EncompasscoreChannel Partner/ Reseller/ DistributorPersonal insurance carrier offering bundled auto, home, and umbrella coverage.
• ForemostcoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier offering coverage for manufactured homes, classic cars, and specialty property.
• GuardcoreChannel Partner/ Reseller/ DistributorInsurance carrier offering personal and commercial insurance products.
• HagertycoreChannel Partner/ Reseller/ DistributorSpecialty insurance carrier focused on classic and collector vehicle insurance.
• HamiltonminorChannel Partner/ Reseller/ DistributorInsurance carrier offering various commercial and specialty insurance products.
• HarleysvilleminorChannel Partner/ Reseller/ DistributorRegional insurance carrier now part of Nationwide, offering commercial and personal insurance.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorNational insurance carrier offering auto, home, and commercial insurance products.
• MerchantscoreChannel Partner/ Reseller/ DistributorCommercial insurance carrier specializing in small to mid-size business coverage.
• MetLifecoreChannel Partner/ Reseller/ DistributorLarge national insurance carrier offering auto, home, and life insurance products.
• NationwidecoreChannel Partner/ Reseller/ DistributorNational insurance carrier offering comprehensive auto, home, and commercial insurance products.
• SafecocoreChannel Partner/ Reseller/ DistributorPersonal insurance carrier now part of Liberty Mutual, offering auto and home insurance.
• State AutocoreChannel Partner/ Reseller/ DistributorRegional insurance carrier offering personal and commercial insurance products.
• The HartfordcoreChannel Partner/ Reseller/ DistributorNational insurance carrier specializing in business insurance and employee benefits.
• TravelerscoreChannel Partner/ Reseller/ DistributorNational insurance carrier offering comprehensive commercial and personal insurance products.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• HUB International: Global insurance brokerage placing personal, commercial, and specialty coverage through carrier partnerships. Shares the multi-carrier brokerage model and product breadth, but at enterprise scale.
• Erie Insurance: Regional mutual insurer distributed through exclusive and independent agents in personal and commercial lines. Competes for the same household and small-business customers NEST targets, though via a largely captive agent model.
• Brown & Brown: Large national insurance brokerage (BRO) distributing personal and commercial lines through retail and producer networks. Comparable in multi-line independent distribution but operates at vastly greater scale and geographic breadth.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm placing commercial and personal coverage through carrier relationships. Overlaps with NEST on multi-carrier brokerage and product breadth, though skewed to larger commercial accounts.

Regional players

• Auto-Owners Insurance: Mutual insurance carrier selling personal, commercial, and life lines exclusively through independent agents across 26 states. Direct channel partner peer for NEST, with overlapping product and customer profile.
• Acuity Insurance: Regional mutual insurance carrier distributed through independent agents across the central US, competing in the same personal and small-commercial lines NEST serves. Operates via independent agency channel similar to NEST's distribution model.
• Frankenmuth Insurance: Mutual insurance carrier distributing personal, commercial, and specialty lines through independent agents in the central and southern US. Comparable independent-agency distribution model and product mix to NEST.

Direct peers

• Goosehead Insurance: Public independent insurance agency (GSHD) operating a multi-carrier, multi-line model across 20+ personal and commercial product categories. Closely matches NEST's independent agency structure and product breadth, but at franchise scale.
• Higginbotham: Texas-headquartered independent insurance brokerage offering personal, commercial, and employee benefits across multiple carrier partners. Strong geographic and model overlap with NEST, though at materially larger scale.
• Brightway Insurance: Private franchise-model independent insurance agency offering home, auto, and commercial lines through multiple carrier partners. Comparable in agency structure and multi-carrier brokerage model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/NestInsuranceAgencyAmarillo
• LinkedInlinkedin.com/company/nest-insurance-agency

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 NEST Insurance Agency