D.R. Horton Insurance Agency, Inc.

What D.R. Horton Insurance Agency, Inc. does

D.R. Horton Insurance Agency, Inc. is a Texas-based, wholly-owned insurance subsidiary of D.R. Horton, Inc. (NYSE: DHI), America's largest new home builder by volume since 1978. The agency provides homeowners insurance and ancillary personal-lines products — auto, flood, earthquake, home mortgage protection, and increased-limits valuables coverage — earned via commission on policies placed with carrier partners. Its go-to-market is structurally captive: customers are acquired at the point of home closing through referrals from D.R. Horton home counselors, loan officers, processors, and sister affiliates DHI Mortgage and DHI Title, with insurance documents delivered directly to the title company for on-time closing.

The core technology layer is a self-service online insurance portal (ourinsuranceportal.com) that handles quote generation, policy management, payments, document access, and claim filing, supported by a phone-based licensed-agent sales and service workflow. Quoting is tailored to the specific community and model, with pre-populated closing data reducing customer friction (no written pre-application, no credit check, pay-at-closing settlement). A tiered discount program — including new home, new loan, security/alarm, and claim-free renewal credits — is used to drive conversion within the captive channel.

Revenue mechanics are commission-based on each policy bound, with additional cross-sell potential from the expanded personal-lines product set. The subsidiary is lean (12 employees), operates in a single country (USA), and is wholly dependent on the volume and conversion economics of D.R. Horton's new-home closings; no external fundraising, M&A, or leadership changes are disclosed.

Name

D.R. Horton Insurance Agency, Inc.

Legal name

D.R. Horton Insurance Agency, Inc.

Website

https://drhinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

D.R. Horton Insurance Agency, Inc. is a wholly-owned insurance subsidiary of D.R. Horton, Inc. (NYSE: DHI), America's largest new home builder. It sells homeowners, auto, flood, and earthquake insurance — on commission — to D.R. Horton homebuyers via an integrated closing workflow and online self-service portal.

Ownership category

akta.pro rank

Product category

Homeowners Insurance

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD), Product Liability & Recall (FSAJAGAG)

Keywords

• Homeowners insurance
• Property insurance agency
• Personal lines insurance
• New home coverage
• Insurance brokerage services

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: The agency acts as a licensed insurance agency earning commissions on homeowners insurance policies sold. They offer coverage from their insurer partners and earn commissions on each policy written. Additional insurance products include auto insurance, flood insurance, and earthquake insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

D.R. Horton Insurance Agency is a licensed insurance agency that sells homeowners insurance to new homebuyers of D.R. Horton homes as part of the home closing process. It also offers auto, flood, earthquake, and home mortgage protection insurance, plus jewelry/valuables coverage and discount programs. Customers can initiate coverage with one phone call—no written pre-application, no credit check, with payment collected at closing—and manage policies through an integrated online portal.

Product overview

D.R. Horton Insurance Agency offers a unified homeowners insurance product portfolio for new home buyers, consisting of Basic Coverage as the foundational core product, Additional Coverage modules providing extended protections (auto, flood, earthquake, mortgage protection, valuables), and Special Credits discount programs. The agency provides integrated digital self-service through an online insurance portal enabling quotes, policy management, payments, document access, and claims filing.

Differentiator

Problem solved

Functional benefit

Products and services

• Homeowners Insurance (Basic Coverage) Foundational homeowners insurance providing extended replacement costs, contents coverage, fire and smoke damage, vandalism/theft, and windstorm and hail damage protection for new D.R. Horton homebuyers at closing and existing policyholders.
• Auto Insurance Auto insurance offered alongside homeowners coverage to D.R. Horton customers, enabling an auto discount when bundled.
• Flood Insurance Flood insurance coverage available to homeowners as an additional protection product.
• Earthquake Insurance Earthquake insurance coverage available to homeowners as an additional protection product.
• Home Mortgage Protection Insurance Home mortgage protection insurance coverage that pays off or covers mortgage obligations in the event of qualifying events, offered to D.R. Horton homeowners.
• Jewelry and Valuables Increased Limits Coverage Increased coverage limits for jewelry and other valuable personal property, available as an add-on within the Additional Coverage suite.
• Special Credits Discount Program Discount program offering new home credit, new loan credit, security/alarm system discounts, claim-free renewal credit after 3 years, auto discount, accredited builder discount, fire/burglar discount, and new home discount to lower premiums.
• Insurance Customer Portal (Quotes, Policy Changes, Payments, Documents, Claims) Integrated online self-service portal enabling existing customers to obtain personalized quotes, request policy changes, make payments, view policy documents, and report claims, accessible to all DRH Insurance policyholders.

Quantifiable outcome

• Claim free renewal credit after 3 years (if applicable)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• D.R. HortoncoreStrategic or Co-development PartnerParent company and primary distribution channel. D.R. Horton is America's largest new home builder by volume since 1978. The insurance agency operates as part of the Horton family of companies, integrated into the home closing process with access to closing information, home counselors, loan officers, and processors.
• DHI MortgagecoreStrategic or Co-development PartnerMortgage financing affiliate within the D.R. Horton family of brands. Works in coordination with the insurance agency during the home closing process to ensure efficient transaction handling.
• DHI TitlecoreStrategic or Co-development PartnerTitle services affiliate within the D.R. Horton family of brands. The insurance agency provides closing documents to the title company for on-time closing delivery.
• Insurance Insurer PartnersminorChannel Partner/ Reseller/ DistributorMultiple unnamed insurance providers whose products are offered through the agency. The agency acts as a distributor/agent for these insurers' homeowners, auto, flood, and earthquake insurance products.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Allstate: Large national personal-lines carrier with a captive agent force that sells homeowners, auto, and umbrella products — directly overlapping product set and competing for renewals.
• Hub International: Large North American insurance brokerage with a meaningful personal lines and homeowners practice; broader portfolio but overlapping customers and product set.
• Arthur J. Gallagher: Global insurance brokerage and risk management firm; provides homeowners and personal lines solutions through retail brokerage channels and competes for the same end customers.
• Brown & Brown: National insurance brokerage with personal and commercial lines; competes for homeowners placements and has scale advantages in carrier relationships and distribution.

Direct peers

• PulteGroup Homebuilder Services (Pulte Mortgage / Pulte Insurance): PulteGroup operates captive mortgage and insurance affiliates that offer homeowners insurance to new home buyers at closing, structurally identical to D.R. Horton Insurance Agency.
• Goosehead Insurance: Publicly traded independent personal-lines agency with a strong homeowners book and franchise model; competes for the same end customers on coverage and price, especially at renewal.
• Lennar Mortgage & Insurance Affiliates: Lennar, the second-largest U.S. homebuilder, operates affiliated mortgage, title, and insurance service arms that mirror D.R. Horton's captive distribution model, providing insurance to buyers at closing.
• NVR Mortgage & Insurance Services: NVR (Ryan Homes, NVHomes) operates affiliated title and insurance services that distribute homeowners coverage at closing, a directly comparable captive builder-insurance model.
• Taylor Morrison Homebuilder Services: Taylor Morrison offers affiliated mortgage and insurance services to its new home buyers at closing, providing the same captive homeowners insurance distribution motion as D.R. Horton Insurance Agency.

Emerging players

• Lemonade: Digital-first insurance carrier offering homeowners and renters coverage; represents the emerging direct, low-fee competitive threat to traditional agency-distributed homeowners policies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UC5qmOoO8o814jYLDWQflJYw
• Facebookfacebook.com/DRHorton.Homes
• LinkedInlinkedin.com/company/d.r.-horton-insurance-agency-inc.
• Instagraminstagram.com/drhorton

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 D.R. Horton Insurance Agency, Inc.