Home insurer that prices wildfire and hurricane risk with physics-based digital twins of each house
Stand is a San Francisco home insurer that builds a physics-based digital twin of each property and simulates events like wildfire and hurricanes, so premiums reflect the specific home rather than its ZIP code and owners see which fixes (such as removing a particular tree) lower their premium. It offers full homeowners coverage for high-value homes in California (wildfire) and Florida (hurricane, wind included), with concierge hardening and preparedness support, and sells through brokers. Its Stand World Model covers fire, hurricane, severe convective storm, flood and earthquake. Co-founded by CEO Dan Preston and Jason Mueller. On October 15, 2026 Fortune reported a $70M Series C at a $1B valuation led by Saga Ventures with Lowercarbon, Eclipse, Equal Ventures, Inspired Capital, Neotribe and Jackson Square Ventures; Stand says it insures more than $10B of property.
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