FiSure connects uninsured homeowners with parametric insurance coverage — crowdfunded by corporate CSR programs and individual contributors, powered by industry-leading carriers.
In Florida and California, the insurance crisis is leaving families exposed at exactly the moment climate risk is accelerating.
Average annual premiums now exceed $8,292 — more than double the national average. Citizens Insurance (the insurer of last resort) now covers 1.3M policies and keeps growing as traditional carriers exit.
150,000+ homeowners in high-risk wildfire zones have zero coverage. State Farm, Allstate, and Farmers have all paused or exited the California market. The FAIR Plan is overwhelmed — 555,000 policies, 4× growth in 5 years.
$223 billion in global disaster losses went uninsured in 2024 alone. Climate change is accelerating disaster frequency while traditional insurance markets retreat from risk — widening the gap every year.
FiSure connects homeowners, crowdfunders, and insurance carriers in a transparent marketplace built on parametric insurance triggers.
List your property, contribute a minimum 15% of the annual premium, and unlock community-funded parametric coverage you couldn't otherwise afford. Coverage backed by leading carriers.
Corporate CSR programs and individuals fund the remaining premium. If a qualifying natural disaster triggers a payout, contributors receive a pro-rata share of net claim proceeds.
List parametric products, underwrite properties, and earn premium revenue from a market segment currently outside your reach — at zero acquisition cost. Your product. Our distribution.
Traditional insurance takes months. FiSure uses parametric triggers — pre-defined, measurable events (hurricane wind speed, wildfire perimeter proximity, earthquake magnitude) that pay out automatically when conditions are met. No loss adjusters. No disputes. No delays.
Crowdfunders know exactly when they'll receive proceeds before contributing a dollar.
No loss adjuster required. Trigger fires, data confirms, payout distributed — within days.
Wildfire trigger is satellite-confirmed natural fire perimeter proximity only — the homeowner cannot influence the trigger.
Whether you're a homeowner seeking coverage, a corporation looking to invest CSR capital meaningfully, or a carrier seeking new distribution — FiSure was built for you.
Five steps from uninsured homeowner to active parametric policy — transparent to every party at every stage.
The 35% equity buffer rule ensures net proceeds always remain after lender settlement. No trigger event = premium fully consumed, no refund to crowdfunders or homeowners.
Florida · NOAA NHC Cat 3+ landfall within defined radius
Florida · FEMA flood event reaching defined threshold
California · NASA FIRMS satellite perimeter within radius (natural fire only)
California · USGS magnitude 6.0+ within defined radius
Can't afford the full premium? FiSure lets you list your property, pay a minimum 15%, and let corporate CSR programs and community contributors fund the rest.
FiSure is designed for homeowners who are uninsured or underinsured due to premium affordability. To list a property you must meet the following platform requirements.
Your insurance coverage must equal or exceed your outstanding mortgage balance × 1.35. This protects you, your lender, and our crowdfunding community.
You must fund at least 15% of the annual premium before your listing goes live. This creates your stake in the policy and anchors the crowdfunding campaign.
You must own the property. Deed or title documentation is required at application. KYC identity verification is completed before your listing is published.
Your property must be located in a FEMA or NOAA-defined risk zone for at least one of our covered disaster types — hurricane, flood, wildfire, or earthquake.
Parametric triggers pay within days — not months. When a qualifying disaster occurs, you don't wait for a loss adjuster. The trigger fires, the carrier pays.
Your community — corporate CSR programs, individual contributors — share the cost of your premium. You get coverage you couldn't otherwise afford.
Your mortgage lender is automatically named as loss payee on the policy, satisfying most lender insurance requirements while protecting your outstanding obligation.
Policies are issued by licensed, regulated insurance carriers — not FiSure. You get industry-standard coverage with full regulatory protection.
Every trigger condition is disclosed upfront. You always know exactly what event will trigger your payout — no surprises, no disputes.
Re-list each year. Your 35% equity buffer is re-verified at renewal. If circumstances change, our team will guide you through your options.
Apply to list your property today. Our team will review your eligibility and match you with the right parametric product for your risk zone.
Contribute to homeowners' insurance premiums. If a qualifying natural disaster triggers a payout, you receive a pro-rata share of net proceeds. Corporate contributors can book contributions as CSR/ESG spend.
Browse FiSure's marketplace by location, disaster type, and risk profile. Choose properties to support and contribute any amount toward their premium. Your potential payout is calculated transparently based on your contribution share.
Contribute as much or as little as you choose to any listing on the platform.
If a listing doesn't reach 100% by its deadline, your contribution is returned in full.
Your share of net proceeds equals your share of the total premium contributed.
Get push, email, and SMS alerts when a trigger event is detected near your properties.
Corporate accounts can contribute at scale, book contributions as CSR/ESG expenditure, and receive downloadable impact reports for TCFD, GRI, and CDP disclosures. FiSure gives your ESG program a measurable, reportable, community-resilience story.
Aggregate impact metrics — policies supported, communities covered, premiums funded.
Annual impact reports, TCFD addenda, per-policy contribution receipts.
Direct contributions to specific communities, states, or disaster types aligned with your CSR strategy.
Contributions are only returned as payout if a qualifying parametric trigger event occurs during the active policy period. If no trigger fires, the premium is fully consumed — no refund.
All contributors must read and accept FiSure's risk disclosure before making their first contribution. Contributions are not investments, deposits, or insurance products.
Every listing shows the exact parametric trigger conditions before you contribute. You always know what event must occur for a payout to be distributed.
Join FiSure as an individual contributor or corporate CSR partner and make homeowner insurance accessible to the people who need it most.
FiSure is a distribution channel — not a competitor. We bring you pre-screened, premium-ready applicants from a market segment you currently cannot reach, at zero acquisition cost.
Reach homeowners who want your parametric products but cannot afford the premium without community support. FiSure crowdfunds the affordability gap — you collect premium revenue you would never otherwise earn from this segment.
FiSure handles all homeowner marketing, eligibility screening, and matching. You receive a structured, pre-qualified application package for each property — no sales team, no marketing spend required on your side.
Every property that reaches your underwriting desk has passed FiSure's mandatory 35% equity buffer check, KYC/AML verification, and risk zone confirmation. A structurally better-filtered pool than your open-market channel.
Demonstrate community reinvestment and climate resilience to your regulators, shareholders, and reinsurers. FiSure volume is measurable, reportable impact — directly relevant to your own ESG commitments.
You set all trigger conditions, pricing, and coverage parameters. You underwrite each property. You issue the policy. You adjudicate all claims. FiSure is your distribution layer — not a product redesign.
We propose a 90-day closed pilot — 20 properties, one state, one product. You underwrite exactly as normal. If it works, we formalise the distribution agreement. If it doesn't, you've invested nothing.
Florida · NOAA NHC Cat 3+ landfall trigger
Florida · FEMA event trigger
California · NASA FIRMS satellite perimeter
California · USGS magnitude 6.0+
If you're a parametric carrier or MGA operating in Florida or California, we'd like to talk. Our pilot proposal is designed to be low-risk and immediately actionable.
Founded in 2026 and headquartered in Miami, FiSure is closing the affordability gap that leaves millions of homeowners exposed to the very disasters that are becoming more frequent and more severe.
The insurance crisis in Florida and California is not a demand problem — homeowners want coverage. It's an affordability problem. Premiums have outpaced incomes, carriers have exited markets, and the families most exposed to climate risk are the least able to protect themselves.
FiSure uses the power of community — corporate CSR capital, individual contributors, and parametric insurance technology — to bridge that gap. Every property funded on our platform represents a family that can rebuild after a disaster instead of losing everything.
We believe every homeowner in a high-risk zone deserves affordable protection, regardless of income. Climate change is not evenly distributed — our platform shouldn't be either.
Every trigger condition, every payout split, every fee — disclosed upfront. Crowdfunders know exactly what they're contributing to and exactly when they'll receive proceeds.
The best way to help underinsured communities is to let people invest in them directly. FiSure turns abstract CSR spend into real, named families and real, quantified outcomes.
We don't underwrite. We don't carry risk. We bring carriers a better distribution channel and a better applicant pool. Our success is their success.
Whether you're a homeowner, a crowdfunder, a carrier, or an investor — there's a role for you in building the FiSure platform.
Whether you're a homeowner seeking coverage, a corporate CSR team, an insurance carrier, or an investor — we want to hear from you.
partnerships@fisure.com
+1 (876) 831-1720
Miami, Florida, USA
fisure.com
If you're a parametric insurance carrier or MGA operating in Florida or California, we'd like to explore a distribution partnership. Our 90-day pilot proposal is low-risk and immediately actionable.
FiSure is raising a $3.5M seed round. If you're interested in our investor deck or a founder conversation, reach out directly.
We'll get back to you within one business day.