For insurance & reinsurance partners

Underwrite a book that's already forming.

Real-estate developers are pricing parametric downside coverage on home values, lease rates, vacancy, and weather — quote by quote, market by market. ZipToken aggregates that demand, parameterizes it, and brings the index, settlement, and servicing infrastructure — so a licensed carrier or reinsurer underwrites a defined book instead of building a market from zero.

Request the demand book See the shape of the risk

Developers are pricing coverage across nine states today — home values, lease rates, vacancy, and weather.

Every quote lands in an aggregated, parameterized demand book. Request it below and we'll walk you through the live numbers.

What ZipToken brings

Aggregated, parameterized demand

A demand book of real-estate developers, captured quote by quote: coverage dollars by market, peril, deductible, and term. Not survey intent — priced, parameterized interest tied to named geographies, ready to translate into a program structure.

Index & settlement infrastructure

First-print oracles on Zillow ZHVI (home values), Zillow ZORI (lease rates), Apartment List (vacancy), and NOAA/NCEI (weather). Write-once settlement with graduated, deductible-based payout math — objective outcomes, no loss adjustment, no development tail.

Distribution & servicing rails

The quoting funnel, RFQ routing, and premium servicing are built: payment structures including pay-in-full, installments, and premium deferred to funding / completion, with servicing views on both sides of the book.

A clean pre-launch compliance posture

ZipToken is a technology platform — we do not offer, sell, or solicit insurance. Quotes are non-binding reference estimates collected for demand assessment; any future coverage products are expected to be underwritten and issued by licensed partners. The book comes to you clean.

The pipeline

Published data in, settled dollars out.

Data

Published indices

Zillow ZHVI / ZORI · Apartment List · NOAA/NCEI

Oracle

First-print oracle

The first published print is the settlement value — write-once, no revisions, no discretion

Settlement

Graduated settlement

payout = coverage × min(1, max(0, (D − a)/(x − a))) — deductible to exhaustion, no loss adjustment

Servicing

Payment & servicing rails

Pay-in-full · installments · deferred to funding / completion, serviced on both sides of the book

Data from Zillow, Apartment List & NOAA — first-print values only; markets without a live print do not quote.

The shape of the risk

Single excess-of-loss layers on a published index.

The buyer absorbs decline up to a deductible; the layer pays proportionally above it to a full limit at exhaustion — standard ladders 2% → 10%, 5% → 15%, 8% → 20% — across nine US states at state / county / city / zip granularity, on quarter-end terms. Continuous payout, no binary cliff, no loss adjustment.

5% deductible → full limit at 15% · $1,000,000 coverage

Reference model math — SIMULATED

Drag the market decline−9%

At a 9% decline you'd receive $400,000 of your $1,000,000 limit.

Payout = coverage × min(1, max(0, (D − 5) / (15 − 5))) — continuous and graduated, no all-or-nothing cliff. Settles on the first-print index (Zillow ZHVI/ZORI, Apartment List, NOAA).

Why partner

With ZipToken vs building it yourself.

With ZipTokenBuilding it yourself

Demand originationWith ZipTokenA parameterized developer demand book, already forming — coverage $ by market, peril, deductible, term.Building it yourselfYears of broker distribution build-out before the first submission arrives.

Index & trigger designWith ZipTokenFirst-print oracles live on Zillow ZHVI/ZORI, Apartment List, and NOAA, with graduated deductible-based payout math specified and tested.Building it yourselfData licensing, index methodology, basis-risk research, and trigger drafting from zero.

Settlement & servicingWith ZipTokenWrite-once settlement plus premium servicing rails — pay-in-full, installments, deferred to funding / completion.Building it yourselfA new policy-admin and claims stack, or a TPA integration program.

Your roleWith ZipTokenUnderwrite a defined, parameterized book on your paper — capacity, price, appetite.Building it yourselfBuild the market and carry the venture risk before writing a dollar of premium.

Request the demand book.

We'll walk you through the live demand book — coverage requested by market, peril, deductible, and term — the first-print oracle methodology, and the settlement and servicing infrastructure behind it. Aggregate data first; developer identities only with consent, under NDA.

SIMULATED pre-launch demand study — quotes are non-binding reference estimates.

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What would you like to see?

Prefer email? al@ziptoken.io