Homeowners of America Insurance Company · NAIC 12536
Where Homeowners of America Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.
Homeowners of America Insurance Company (NAIC 12536) is a property and casualty insurer domiciled in Texas, part of Porch Group. State regulators list it as licensed (admitted) in Alaska, Colorado, Delaware, Georgia, Iowa, Illinois, Kentucky, Massachusetts, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, Nevada, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wyoming. It ranked #18 of 148 in Texas homeowners in 2025 (1.3% share). It ranked #33 of 260 in Texas commercial property (fire and allied lines) in 2025 (0.5% share). It ranked #43 of 135 in North Carolina homeowners in 2025 (0.4% share).
By Sam Alishahi, independent insurance broker · All companies
Where it's licensed
States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for California, Connecticut, Florida, Hawaii, Idaho, Maryland, Montana, New Jersey, New York, South Dakota, Washington, Wisconsin, West Virginia, which doesn't by itself mean it isn't licensed there.
| State | Status | Lines licensed | Since | Source |
|---|---|---|---|---|
| Alaska | Admitted (licensed) | — | — | Alaska, 2026-10-18 |
| Colorado | Admitted (licensed) | — | — | Colorado, 2026-10-18 |
| Delaware | Admitted (licensed) | — | — | Delaware, 2026-10-18 |
| Georgia | Admitted (licensed) | General liability, Commercial property (fire and allied lines), Workers' compensation | — | Georgia, 2026-10-18 |
| Illinois | Admitted (licensed) | Flood, Homeowners, Inland marine | — | Illinois, 2026-10-18 |
| Iowa | Admitted (licensed) | — | — | Iowa, 2026-10-18 |
| Kentucky | Admitted (licensed) | — | — | Kentucky Department of Insurance, 2026-10-17 |
| Massachusetts | Admitted (licensed) | — | — | Massachusetts, 2026-10-18 |
| Minnesota | Admitted (licensed) | — | — | Minnesota, 2026-10-18 |
| Mississippi | Admitted (licensed) | Farm and crop, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines) | 10-27-2022 | Mississippi Insurance Department, 2026-10-17 |
| Missouri | Admitted (licensed) | Homeowners, Inland marine, Commercial property (fire and allied lines) | — | Missouri, 2026-10-18 |
| Nebraska | Admitted (licensed) | — | — | Nebraska, 2026-10-18 |
| Nevada | Admitted (licensed) | General liability, Ocean marine, Commercial property (fire and allied lines) | — | Nevada Division of Insurance, 2026-10-17 |
| North Carolina | Admitted (licensed) | Flood, Homeowners, Inland marine | — | North Carolina, 2026-10-18 |
| North Dakota | Admitted (licensed) | — | — | North Dakota, 2026-10-18 |
| Ohio | Admitted (licensed) | — | — | Ohio Department of Insurance, 2026-10-17 |
| Oklahoma | Admitted (licensed) | Homeowners | — | Oklahoma, 2026-10-18 |
| Oregon | Admitted (licensed) | Homeowners | — | Oregon, 2026-10-18 |
| Rhode Island | Admitted (licensed) | — | — | Rhode Island, 2026-10-18 |
| South Carolina | Admitted (licensed) | — | — | South Carolina, 2026-10-18 |
| Tennessee | Admitted (licensed) | — | — | Tennessee, 2026-10-18 |
| Texas | Admitted (licensed) | Personal auto, Credit, Crime (burglary and theft), Flood, Glass, Homeowners, Inland marine, General liability, Commercial property (fire and allied lines) | 2006/03/28 | Texas Department of Insurance, 2026-10-17 |
| Utah | Admitted (licensed) | — | — | Utah, 2026-10-18 |
| Wyoming | Admitted (licensed) | — | — | Wyoming, 2026-10-18 |
Method and source
Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval and, except in New Jersey (which has a separate surplus lines guaranty fund), without guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.
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