Stand Insurance

Stand Insurance is a San Francisco-based insurtech company founded in 2023 that uses physics-based modeling, computational fluid dynamics, and AI to provide high-value homeowners insurance for properties exposed to wildfire, hurricane, and other climate-driven perils. Unlike traditional insurers that rely on backward-facing actuarial data, Stand creates a digital twin of every property — analyzing individual home features down to tree placement and species — to accurately price risk and reward homeowners who invest in mitigation measures with meaningful premium reductions. Stand's customers are owners of high-value properties in distressed insurance markets like California and Florida where climate risk has caused major carriers to exit, offering them A-rated HO-5 policies built around the physics of fire and storm risk.