HCI Group, Inc.

Florida-based home insurer with an in-house insurance technology platform

What HCI does

HCI Group sells homeowners insurance in the United States and handles the claims itself. It also builds software through its Exzeo unit that other insurance companies use to run policies, process claims and map risk. It also runs a reciprocal insurance exchange and develops commercial real estate as investments.

How HCI makes money

Most of its money comes from premiums on homeowners policies and from investing the premiums it holds before claims are paid. It also earns fees from Exzeo technology and claims services, reciprocal exchange operations, and rent from commercial properties.

Products & services

• Homeowners property & casualty insurance
• Exzeo insurance technology platform
• Harmony policy administration platform
• ClaimColony claims management platform
• AtlasViewer mapping & data visualization
• SAMS policy management system