Rental property insurer Steadily has expanded its collaboration with analytics company ZestyAI, aiming to refine its underwriting process by incorporating hail and wind risk models.  

The move is designed to enhance the precision of storm risk evaluation across various states that are prone to such weather-related damages. 

This follows the insurer’s initial rollout in 2024.  

The insurer initially applied ZestyAI’s Z-HAIL and Z-WIND models in a select number of states with incidence of severe convective storms. In the coming months, it plans to expand the rollout to more states. 

ZestyAI models predict storm-related claims by examining the interaction between local weather patterns and specific property features.  

ZestyAI’s models, which have received regulatory approval in 19 states, enable a detailed assessment of storm risk at an individual property level. 

Factors such as the condition of the roof, the complexity of the building structure, past loss history and exposure to local storms are all considered to determine the potential risk. 

Steadily co-founder & COO Datha Santomieri stated: “Expanding our use of ZestyAI’s hail and wind models reaffirms our commitment to precision and efficiency in landlord underwriting. These insights help us make informed decisions quickly and manage exposure with greater confidence.” 

ZestyAI founder and CEO Attila Toth said: “Steadily is modernising a critical segment of the market with their customer-centric, tech-forward approach. We are proud to support their growth with AI-driven insights that enable better pricing, smarter underwriting and more resilient portfolios.” 

In June, Kin Insurance integrated ZestyAI’s wildfire risk assessment model, Z-FIRE, to evaluate property-level wildfire exposure in California.