American Home Insurance Agency

What American Home Insurance Agency does

American Home Insurance Agency, Inc. (DBA AHI Insurance Agency) is a Denver, Colorado-based independent insurance agency founded in 1998 and operating as a subsidiary of Sekisui House U.S., Inc. The agency represents eight insurance carriers (American Strategic Insurance, Nationwide, Progressive, QBE First, Safeco, Stillwater, Universal, and Western Mutual) and distributes home, auto, term life, umbrella, condo, landlord/dwelling, renter's, flood, earthquake, and recreational-vehicle coverage to individuals and families across 16 U.S. states.

The agency's core product set centers on homeowners, auto, and term life insurance, with a portfolio of add-on modules (umbrella, toys, condo, landlord, renter's, flood, and earthquake) that supplement the primary lines. The technology stack is conventional: the public-facing website, online quoting tool, and client center are built on EZLynx's Agency Suites platform, with no proprietary technology, AI/ML capabilities, or in-house models disclosed. Distribution is conducted via direct agent contact (phone, email), the website's self-service quote tool, and a captive referral pipeline from affiliated Richmond American Homes, the U.S. homebuilding arm of parent Sekisui House.

AHI earns revenue through carrier commissions on placed policies, with rates personalized to individual risk factors and premiums typically billed monthly. The agency offers no public pricing tiers and does not disclose revenue. Customer segments are split between general-market homeowners and auto owners sourced through the website and inbound channels, and a structurally important secondary segment of Richmond American home buyers funneled through the parent homebuilder. The agency's strategic positioning is that of a relationship-driven independent broker leveraging multi-carrier access and parent-ecosystem referrals rather than a technology- or scale-driven insurer.

Name

American Home Insurance Agency

Legal name

American Home Insurance Agency, Inc.

Website

https://americanhomeinsurance.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

American Home Insurance Agency is a Denver-based independent insurance agency, founded in 1998 and owned by Sekisui House U.S., that shops home, auto, life, and supplemental coverage across eight carriers for individuals and Richmond American homebuyers across 16 U.S. states.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Home insurance
• Auto insurance
• Independent insurance agency
• Personal insurance
• Life insurance

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Commissions: As an independent insurance agency, AHI earns commissions from multiple insurance carriers (American Strategic Insurance, Nationwide, Progressive, QBE First, Safeco, Stillwater, Universal, Western Mutual) when customers purchase policies through them. They shop across carriers to find the best rates for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Independent insurance agency established in 1998 that shops multiple top-rated insurance carriers to provide personal lines coverage (home, auto, life, umbrella, and specialty insurance) to individual consumers across 16 states. Operates as a subsidiary of Sekisui House U.S., Inc., with a referral relationship through affiliated homebuilder Richmond American Homes.

Product overview

American Home Insurance Agency is an independent insurance agency offering a unified portfolio of insurance products and services. The core offerings include Home Insurance, Auto Insurance, and Term Life Insurance, which agents shop across multiple carrier partners to find competitive rates. Additional coverage types (Umbrella, Toys, Condo, Landlord, Renter's, Flood, and Earthquake insurance) function as add-on modules that supplement the core products. The agency also provides customer-facing services including Claims Filing, Payment Processing, Email Agent Communication, and an Insurance Quotes Tool. All products are accessed through a network of carrier partners including American Strategic Insurance, Nationwide, Progressive, QBE First, Safeco, Stillwater, Universal, and Western Mutual.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance

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

Nine partnerships are on record, tiered core.

• American Strategic InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. AHI shops across American Strategic Insurance and other carriers to help customers find the best coverage terms, conditions and pricing. Customers can file claims and make payments through this carrier.
• NationwidecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Nationwide is one of the carriers AHI shops to provide customers with competitive rates and comprehensive coverage options.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Progressive is available through AHI for auto and other insurance coverage, offering competitive rates and coverage options.
• QBE FirstcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. QBE First provides insurance coverage options available through AHI's independent agency model.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Safeco offers auto and home insurance through AHI's carrier network, providing 24/7 service center access for customers.
• StillwatercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Stillwater provides coverage options available through AHI's independent agency shopping model.
• UniversalcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Universal Property and Casualty Insurance is available through AHI for home and related coverage needs.
• Western MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Western Mutual is one of the carriers AHI represents, providing additional coverage options for customers.
• Richmond American HomescoreStrategic or Co-development PartnerAffiliated company under Sekisui House U.S. AHI provides streamlined insurance shopping for Richmond American home buyers, and agents know the specifications of Richmond American homes. Both companies are owned by Sekisui House U.S. and offer services independently of each other.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• SelectQuote: Multi-carrier distribution platform for life, auto, and home insurance, marketed to consumers via direct and digital channels. Shares AHI's multi-carrier shopping value proposition across overlapping line-of-business coverage.
• Goosehead Insurance: Public independent personal-lines agency that shops across multiple carriers — the same independent brokerage model AHI operates. Highly comparable on multi-carrier distribution, multi-line offerings, and digital-plus-agent GTM.
• Brightway Insurance: Independent insurance franchise agency offering home, auto, and life coverage through multiple carriers. Comparable to AHI in independent agency economics, multi-state operations, and bundled home+auto focus.

Broad incumbents

• Farmers Insurance: Large national P&C carrier with captive-agent distribution of home and auto coverage. Overlaps AHI's product mix but competes through exclusive-agent economics rather than independent brokerage.
• Allstate: National P&C carrier with both captive and direct distribution. Competitive overlap with AHI's home and auto book, particularly via its expanding direct digital channels that bypass independent agents.
• Liberty Mutual: Large multi-line carrier with both direct and broker-distributed personal lines. Competes with AHI on home and auto via direct channels while also being a carrier partner through AHI's multi-carrier shop.
• State Farm: Largest U.S. personal-lines writer with captive-agent distribution of home and auto. Represents the dominant incumbent model against which AHI competes for the same household insurance wallet.

Emerging players

• Lemonade: Digital-first insurance carrier offering renters, homeowners, and pet policies. Disrupts the legacy independent-agency model that AHI operates in, particularly with millennial and first-time-home-buyer segments.
• Hippo Insurance: Insurtech focused on homeowners insurance with a digitally native purchase experience. Represents the direct-to-consumer competitive threat to AHI's home insurance offering, especially for online-comfortable home buyers.

Others

• Trusted Choice (Big 'I' member agencies): National network of independent insurance agents operating under the same multi-carrier distribution model as AHI. Useful as a structural peer for benchmarking independent agency economics and consumer-facing positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/american-home-insurance

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 American Home Insurance Agency