bolt Launches VTRO to Bring More Insurance Choice to California Homeowners

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SAN FRANCISCO--(BUSINESS WIRE)--Nov 18, 2025--

bolt, the insurtech with the world’s largest technology-enabled insurance exchange, today announced the launch of VTRO SM, a new homeowners insurance offering developed by bolt with policies underwritten by an A.M. Best “A” and Standard & Poor’s “A+” rated carrier. VTRO brings a much-needed option to a market where homeowners have struggled to find protection.

According to McKinsey & Company, the state faces a homeowners insurance shortfall of more than one trillion dollars, creating a coverage gap that has left many residents dependent on the California FAIR Plan, the state’s insurer of last resort. VTRO provides a dependable alternative with comprehensive coverage designed to restore confidence in their protection.

“bolt is introducing a smarter path forward,” said Jon Walheim, CEO, North America at bolt. “Our smart water sensor program helps reduce preventable losses that add cost and strain to the system. These connected sensors detect leaks early and alert homeowners in real time, helping to reduce the risk of costly damage and claims by up to 40 percent. Preventing those losses allows more efficient and sustainable coverage for the catastrophic risks Californians worry about most."

VTRO’s mission is to help close California’s protection gap by providing homeowners with reliable coverage options in a challenging market and strengthening the state’s insurance system for the future through proactive prevention and lasting protection. VTRO policies are now accessible to thousands of licensed agents across the state through bolt’s digital platform, representing the largest licensed distribution network in California.

About VTRO

VTRO (rhymes with “metro”) is a California-based Managing General Agent (MGA) created by bolt to provide greater insurance choice for homeowners across the state. Built for California’s unique risks, VTRO combines comprehensive coverage with bolt’s smart water sensor technology to help homeowners detect and prevent costly damage and protect what matters most. By pairing proactive prevention with dependable protection, VTRO delivers a modern insurance solution designed to strengthen California’s insurance market for the future. For more information, visit VTROinsurance.com. VTRO is a bolt service mark pending registration with the US PTO.

About bolt

bolt is the leading distribution platform for property and casualty insurance, uniting distributors and insurers to transform the way insurance is bought and sold. The result is the world’s largest technology-enabled exchange of insurance products, including two-thirds of America’s leading insurers, helping businesses of all kinds distribute insurance, expand market reach, and meet more of the insurance and protection needs of customers. For more information, visit boltinsurance.com.

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CONTACT: Media Contact:

Casey Mannix

Caliber Corporate Advisers for bolt

[email protected]

KEYWORD: CALIFORNIA UNITED STATES NORTH AMERICA

INDUSTRY KEYWORD: OTHER CONSTRUCTION & PROPERTY PROFESSIONAL SERVICES RESIDENTIAL BUILDING & REAL ESTATE CONSTRUCTION & PROPERTY INSURANCE

SOURCE: bolt

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PUB: 11/18/2025 09:00 AM/DISC: 11/18/2025 09:00 AM

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