GeraSure in the US 2026 — Digital Insurance That Respects the NAIC

US insurance is state-by-state almost everywhere that matters. The National Association of Insurance Commissioners (NAIC) coordinates model laws that each state's department of insurance can adopt, but fifty state regulators mean fifty sets of rate filings, fifty sets of policy forms, and fifty sets of claims complaint-handling expectations. GeraSure US is built to navigate that without handing the complexity to the customer.

The US regulatory stack

• State Department of Insurance (DOI): licenses producers, approves rate filings, reviews policy forms (file-and-use, prior-approval, or use-and-file depending on state), enforces claim-handling rules.
• NAIC model laws: Unfair Claims Settlement Practices Act, Unfair Trade Practices Act, Insurance Data Security Model Law (cybersecurity), Accelerated Underwriting bulletin, Model Privacy Act.
• FEMA / NFIP: National Flood Insurance Program for federally-backed mortgages in Special Flood Hazard Areas.
• California Department of Insurance — wildfire: the Safer From Wildfires framework, FAIR Plan coverage of last resort, non-renewal moratoriums post-declared disaster.
• Florida Office of Insurance Regulation — hurricane: Citizens Property Insurance as insurer of last resort, assignment-of-benefits reform, my-safe Florida Home program.
• SR-22/FR-44 auto filings: state-specific financial-responsibility filings post-DUI.
• CFPB: indirect oversight where insurance intersects with consumer credit or debt collection.

Lines we write

• Homeowners (HO-3, HO-5): with optional wildfire, hurricane, flood endorsements. Replacement-cost dwelling coverage standard.
• Renters (HO-4): $15–$25/month typical; liability + personal property + loss of use.
• Auto: state minimums plus recommended higher limits; SR-22 support; pay-per-mile option in select states (competing with Metromile).
• Pet: accident + illness + wellness add-on; direct-to-vet payment where possible.
• Travel: trip-cancellation, medical, evacuation; ACA-aware for domestic trips.
• Flood: NFIP Direct plus private flood alternatives.
• Umbrella: $1M–$5M personal umbrella for high-net-worth households.

Pricing in US dollars

• Renters: $12–$25/month typical, by city and coverage
• Homeowners (single-family): $1,200–$3,500/year depending on state, wildfire/hurricane zone, rebuild cost
• Auto: wide range; $1,000–$3,000/year typical for a standard-risk driver
• Pet: $25–$70/month dog; $15–$40/month cat
• Travel: 4–10% of trip cost depending on coverage

Claims: the only thing that matters

GeraSure publishes average cycle time per line per state and tracks its complaint ratio against NAIC's Consumer Information Source. Direct deposit for settled claims is the default; paper checks available on request. For total-loss auto claims, Kelley Blue Book and JD Power values are used with transparent adjustments.

Wildfire, hurricane, and the reinsurance question

The US catastrophic-risk market is under pressure. California had multiple major carriers pause or restrict new business in 2023–2024; Florida hurricane risk continues to reprice. GeraSure writes policies where the underlying reinsurance math works, and redirects customers to the FAIR Plan (California) or Citizens (Florida) as insurer of last resort where private markets have withdrawn.

LA, Miami, Denver, Brooklyn

A Silver Lake homeowner bundles home, auto, and umbrella with wildfire endorsement on a California FAIR Plan base. A Miami Beach condo owner buys Citizens wind plus a private DP-3 wrap. A Denver renter picks up $25/month renters with earthquake. A Brooklyn co-op buys HO-6 with water-damage-back-up. All four on one GeraSure account.

Connected products

Property rent flows through GeraRent; auto coverage links to GeraRide for rideshare drivers; health and vet visits through GeraClinic. A Gera Prime membership unlocks a multi-policy discount.

Sources

• NAIC — Model Laws, Consumer Information Source
• State Departments of Insurance (CDI, FLOIR, NYDFS, TDI, NAIC members)
• FEMA — National Flood Insurance Program
• California FAIR Plan and Florida Citizens rate guidance