lhfinsurance.com

What lhfinsurance.com does

Land Home Financial Insurance Services is an independent personal-lines insurance agency headquartered in Concord, California, with a branch office in Hamilton, Alabama. The agency is licensed in 33 U.S. states and places business through 22+ carrier partners, including Travelers, Liberty Mutual, Mercury, National General, Foremost, Bristol West, Gainsco, and specialty providers such as Covertree, American Modern, Neptune Flood, PersonalUmbrella.com, Openly, Orion180, and Sola. It sells to individual consumers and families seeking auto, homeowners, manufactured/mobile home, renters, condo, flood, umbrella, boat/watercraft, motorcycle, and motor home/RV coverage, with a documented specialization in manufactured home insurance that mainstream carriers often underwrite restrictively.

The agency's core technology is a customized online quoting platform that enables side-by-side comparison of personalized quotes across multiple carrier partners, supplemented by a Client Center self-service portal for policy management, ID card printing, driver additions, payments, and claims filing. Underlying agency management and workflow are powered by the EZLynx Agency Suites platform, indicating a third-party-anchored rather than proprietary technology stack. Distribution combines a toll-free phone sales channel, online self-service quoting, and in-person agent consultation at the two physical offices.

The business model is commission-based: the agency earns carrier commissions on policies sold and is compensated when customers purchase coverage through any of its distribution channels. Pricing is quote-based, varying by individual risk factors, coverage, location, and carrier underwriting criteria, with monthly billing as the standard cadence. Marketing and customer acquisition run through a content/blog presence, organic social (Facebook, Instagram), email, and SEO. The company is privately held with no disclosed ownership, funding, or investor structure.

Name

lhfinsurance.com

Legal name

Land Home Financial Insurance Services

Website

https://lhfinsurance.com

Company type

Private

Operating status

Operating

Short description

Land Home Financial Insurance Services is an independent insurance agency headquartered in Concord, CA, comparing quotes from 22+ carriers across 33 states for consumers seeking auto, home, manufactured home, and specialty personal-lines coverage.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Independent insurance agency
• Auto insurance quotes
• Home insurance coverage
• Manufactured home insurance
• Multi-carrier comparison

Headquarters

HQ city

Concord

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Earn commissions from insurance carriers for policies sold. As an independent agency, they represent multiple insurance companies and receive compensation when customers purchase policies through their platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Land Home Financial Insurance Services is an independent insurance agency that sells personal-lines insurance policies (auto, home, manufactured home, condo, flood, renters, motorcycle, motor home/RV, boat/watercraft, and umbrella) to individual consumers by comparing quotes across more than 22 carrier partners and delivering coverage through phone, online, and in-person agent channels. The agency earns commissions from carriers for policies bound and supports customers with policy reviews, bundling recommendations, claims assistance, and a self-service client portal.

Product overview

Land Home Financial Insurance Services operates as an independent insurance agency offering a portfolio of 10 core insurance products (Auto, Home, Boat/Watercraft, Condo, Flood, Manufactured Home, Motorcycle, Motor Home/RV, Renters, and Umbrella insurance). The company differentiates itself by comparing quotes from 23+ partner carriers and providing personalized recommendations. The product portfolio is delivered through a digital platform combining an online quote comparison tool and a client self-service portal for policy management. All products are distributed through licensed agents across 33 states, with headquarters in Concord, CA and a secondary location in Hamilton, AL.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Quantifiable outcome

• Customers have saved over $1,500 annually on home insurance
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

22 partnerships are on record, tiered core.

• AegiscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing insurance products through Land Home Financial Insurance Services agency. Claims phone: 800-233-2160.
• American ModerncoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-375-2075. Specializes in manufactured home and specialty insurance products.
• ASI / ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 866-274-5677. Part of American Strategic Insurance group.
• Assurant / American BankerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-358-0600. Provides specialty insurance products.
• Bristol WestcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-274-7865. Auto insurance specialist.
• CovertreecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 877-417-8733. Specializes in manufactured home insurance.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-527-3907. Provides specialty insurance including manufactured homes.
• GainscocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 866-424-6726. Auto insurance products.
• InsurmarkcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 877-668-6438. Provides various insurance products.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-225-2467. Major national insurance provider.
• MercurycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-503-3724. Auto and home insurance provider.
• National GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 888-325-1190. Auto, home, and specialty insurance.
• Neptune FloodcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 727-202-4815. Specializes in flood insurance products.
• OpenlycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 888-808-4842. Home insurance provider.
• Orion180coreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 866-590-3550. Various insurance products.
• PersonalUmbrella.comcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-564-1799. Specializes in umbrella/excess liability insurance.
• SolacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Part of Sola Insurance. Alternative/emerging insurance provider.
• StillwatercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-220-1351. Various insurance products.
• SwyfftcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 877-799-3389. Home insurance specialist.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-252-4633. Major national insurance provider offering auto, home, and specialty coverage.
• UniversalcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Claims phone: 800-425-9113. Property insurance provider.
• EZLynxcoreTechnology or IntegrationWebsite development and agency management technology provider. EZLynx Agency Suites platform used for workflow streamlining and productivity.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• EverQuote: Online insurance lead-generation marketplace connecting consumers with carriers and agents across auto, home and life; competes for the same inbound personal-lines shopper as LHFS.

Direct peers

• The Zebra: Online insurance comparison marketplace that lets consumers compare auto and home quotes from multiple carriers in real time, directly competing with LHFS's online Quick Quote / Compare Quotes experience.
• Policygenius: Online insurance marketplace focused on life, home, auto and disability products, using a multi-carrier comparison model that overlaps directly with LHFS's quote-comparison value proposition.
• SmartFinancial: Online insurance agency platform that shops auto, home and other personal lines across a panel of carriers, providing direct competition to LHFS's multi-carrier quoting model.
• SelectQuote: Publicly-traded direct-to-consumer insurance distribution platform that compares term life and senior health policies from multiple carriers; comparable multi-carrier distribution model in personal lines.
• Goosehead Insurance: Publicly traded independent personal-lines insurance agency that distributes through a network of partner agents comparing quotes from multiple carriers. Closely mirrors LHFS's multi-carrier, agency-led model for home and auto.

Broad incumbents

• GEICO: One of the largest direct-to-consumer auto and home carriers in the U.S., representing the structural DTC alternative to agent-led distribution that LHFS competes against.
• State Farm: Largest U.S. personal-lines writer via its captive agent force, offering home, auto and life directly through branded agents — the dominant incumbent against which independent agencies like LHFS must position.
• Progressive: Major national P&C carrier that is both an LHFS carrier partner (ASI/Progressive) and a direct-to-consumer competitor, exercising pricing influence across the same auto and home market.
• Liberty Mutual: National P&C carrier and one of LHFS's named carrier partners; competes across personal and specialty lines with both direct and broker-distributed models.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/61565878187865
• Instagraminstagram.com/lhf_insurance/profilecard/?igsh=ZHZsaHExeXhuNnQ5

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 lhfinsurance.com