Kistler Agency LLC

What Kistler Agency LLC does

Kistler Agency LLC is a U.S. specialty insurance agency founded in 1948 and headquartered in the Atlanta/Marietta, Georgia area, focused on insurance products for the mortgage lending industry. Its customer base spans banks, credit unions, mortgage servicers, mortgage investment companies, and private lenders, with coverage written in all 50 U.S. states. Core product lines include Lender Placed Insurance (LPI), forced-placed flood and wind, Creditor-Placed Insurance (CPI), Lender Single Interest (LSI), mobile home, blanket mortgage insurance, private lender coverage, and surplus lines, all delivered through carrier relationships with AM Best A-rated insurers and Lloyd's of London.

The firm operates an internet-based insurance management and reporting system with centralized data management and a proprietary risk assessment engine that supports policy tracking, reporting, and claims processing for institutional clients. Disclosed operational metrics include a 90%+ claims settlement rate within 10 days and 28%+ premium inflation in lender-placed lines since 2021, reflecting both service-level positioning and underlying hard-market conditions in force-placed insurance. The firm also runs a sub-agency program that allows partner agencies to distribute its specialty products.

The business model is commission-based: Kistler earns agency commissions on premium placed with its carrier partners, monetizing its A-rated carrier appointments, 50-state licensure, and integrated reporting platform. Distribution is direct to institutional mortgage counterparties and indirect through sub-agency partners, with no public revenue, funding, or M&A activity disclosed.

Name

Kistler Agency LLC

Legal name

Kistler Agency LLC

Website

https://kistleragency.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Kistler Agency LLC is a 1948-founded U.S. specialty insurance agency writing lender-placed, flood, CPI, LSI, and private lender coverage for banks, credit unions, mortgage servicers, and private lenders across all 50 states via A-rated carriers and Lloyd's of London.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

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)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Lender placed insurance
• Collateral protection insurance
• Blanket mortgage insurance
• Insurance brokerage services
• Private lender insurance

Headquarters

HQ city

Marietta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency/Broker Commissions: Insurance agency/broker earning commissions from insurance carriers for placing and managing insurance policies. Policies can be placed and paid on annual or monthly basis. Revenue is generated through commissions on insurance premiums placed with carrier partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Kistler Agency LLC is an insurance agency and broker that places and manages specialized insurance programs for mortgage lenders, banks, credit unions, private lenders, and mortgage investment companies. Its offerings include lender-placed hazard, flood, and wind insurance, collateral protection insurance, lenders single interest insurance, blanket mortgage insurance, mobile home insurance, and surplus lines coverage through Lloyd's of London. Coverage is available across all 50 US states and territories through AM Best 'A' or better rated carriers.

Product overview

Kistler Agency LLC is an insurance agency and broker specializing in customized insurance programs for mortgage lenders, private lenders, and investment companies since 1948. The company offers a portfolio of nine core insurance products that work together to provide comprehensive portfolio protection: Lender Placed Mortgage Insurance (LPI) serves as the primary hazard coverage product; Lender Placed Flood Insurance and Lender Placed Wind Insurance address specific peril coverages; Collateral Protection Insurance (CPI) and Lenders Single Interest Insurance (LSI) protect against borrower insurance lapses; Private Lenders & Investment Companies Coverage provides master policy solutions for institutional investors; Mobile Home Insurance and Blanket Mortgage Insurance address specialized property types; and Surplus Lines Coverage through Lloyd's of London handles hard-to-insure exposures. All products are supported by an internet-based insurance management and reporting system and are available across all 50 United States and territories through AM Best 'A' rated insurance carriers and brokers.

Differentiator

Problem solved

Functional benefit

Products and services

• Blanket Mortgage Insurance Blanket hazard insurance providing comprehensive protection for mortgage portfolios under a single master policy. For mortgage lenders and investment companies with diverse loan portfolios.
• Lender Placed Mortgage Insurance (LPI) Primary lender-placed hazard insurance product providing up to $7 billion in insuring capacity with replacement cost building coverage, optional earthquake coverage, and liability coverage for REO properties. Designed for mortgage lenders needing hazard coverage on borrower properties.
• Lender Placed Flood Insurance Flood insurance coverage offering up to $6 billion in insuring capacity, covering multiple perils including fire, smoke, water, wind, civil commotion, explosion, theft, and vandalism, with deficiency coverage and deductible buy-back options. For mortgage lenders needing flood coverage on collateral properties.
• Lender Placed Wind Insurance Wind catastrophe coverage backed by the world's largest insurance market with up to $3 billion in insuring capacity, covering hurricane, hail, windstorm, wind gusts, tornadoes, and cyclones with immediate and backdated coverage options. For mortgage lenders in wind-exposed geographies.
• Collateral Protection Insurance (CPI) Lender-placed collateral protection insurance for non-real estate assets that identifies exposures by managing insurance dates, protects loan collateral when borrowers cannot obtain insurance, and provides uninterrupted protection during policy lapses or cancellations. For lenders with non-real-estate collateral.
• Lenders Single Interest Insurance (LSI) Single interest insurance protecting lender portfolios without requiring a full-scale insurance compliance program, covering all-risk physical damage, repossession expenses, skip coverage, and confiscation with over 90% of physical damage losses settled within 10 days. For lenders seeking asset-only protection.
• Private Lenders & Investment Companies Coverage Master policy insurance product for private lenders and investment institutions providing single-payer simplicity with flexible coverage including wind, loss of rents, and premises liability, with quick and streamlined claims handling. For private mortgage lenders and investment firms.
• Mobile Home Insurance Specialized insurance for mobile and manufactured homes covering structure, extensions, sheds, garage units, and liability protection against legal claims from property injuries. For lenders with mobile home collateral.
• Surplus Lines Coverage (Lloyd's of London) Hard-to-place insurance coverage through Lloyd's of London network for standalone wind coverage, hazard, flood, or excess flood risks that cannot be covered by standard carriers. For lenders and investors with hard-to-insure exposures.

Quantifiable outcome

• Over 90% of physical damage losses are settled within 10 days or less
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• AM Best A-rated Insurance Carriers and BrokerscoreChannel Partner/ Reseller/ DistributorKistler Agency LLC contracts with AM Best 'A' or better insurance carriers and brokers to provide coverage options for their lender and investment clients. These partnerships enable coverage availability across all 50 United States and territories with substantial capacity.
• Lloyds of LondoncoreTechnology or IntegrationKistler Agency LLC provides surplus lines coverage through Lloyds of London for hard-to-insure issues such as standalone wind coverage, hazard, flood, or excess flood. This partnership extends coverage capabilities beyond standard market offerings.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Assurant: Large public insurer and servicer with a dedicated Mortgage Solutions / lender-placed insurance business serving banks and servicers. Comparable because it directly addresses the same lender-placed insurance buyer as Kistler, but at substantially greater scale and as a carrier-servicer rather than an agency.
• Mortgage Guaranty Insurance Corporation (MGIC): Major private mortgage insurance provider serving US lenders. Comparable because it sits in the same lender-risk-transfer ecosystem as Kistler, though MGIC focuses on mortgage guaranty rather than lender-placed hazard/wind/flood coverage.
• Radian Group: Public mortgage insurance and real estate services company serving lenders. Comparable because it addresses the same mortgage-lending risk-management buyer, though Radian's primary product is MI rather than force-placed hazard and CPI products.
• Alliant Insurance Services: Large US insurance brokerage with specialty practices including financial institutions and lender-related coverages. Comparable because it competes for the same lender-client wallet, though Alliant operates across many lines beyond lender-placed insurance.
• USI Insurance Services: National insurance brokerage serving middle-market and large financial institution clients. Comparable because it places lender-related and financial-institution insurance programs, though at much broader scope than Kistler's specialty.
• RPS (Risk Placement Services): Wholesale insurance distributor and MGA with specialty lender and real-estate exposures. Comparable because it places E&S and specialty property coverages for lender clients, overlapping with Kistler's Lloyd's-routed surplus lines business.
• Amwins: Large wholesale insurance broker and underwriting manager with specialty property expertise. Comparable because it routes hard-to-place property risks including catastrophe wind and flood — directly overlapping Kistler's Lloyd's-backed specialty offerings.
• Burns & Wilcox: Specialty wholesale insurance broker with strong E&S property capabilities. Comparable because it places surplus-lines property coverage for commercial and lender-adjacent risks, competing with Kistler for the same hard-to-place accounts.
• CRC Insurance Services: Wholesale insurance broker with specialty property and lender practice areas. Comparable because it competes for placement of catastrophe-exposed and E&S property risks that Kistler also routes to AM Best 'A' carriers and Lloyd's.
• Brown & Riding: Specialty insurance brokerage and wholesale distributor with expertise in complex property placements. Comparable because it addresses the same hard-to-place property market segment that Kistler serves via its Lloyd's of London relationship.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Kistler Agency LLC