Donegal Insurance Expands Property Analytics
The insurer is using new AI to assess home risks, potentially changing how premiums are calculated for its policyholders.
Updated on Oct. 21, 2026 in Insurance
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Donegal Insurance Group is expanding its use of ZestyAI technology to incorporate deeper property analytics into its underwriting process. This integration will allow the insurer to better assess individual policy risks across its 21-state service area by analyzing property features like roof condition and debris.
Why it matters
By leveraging building permit records and over 20 years of aerial imagery, this move aims to provide underwriters with a more precise view of home conditions. For homeowners, improved risk assessment can influence the accuracy of their insurance premiums and overall coverage terms.
Donegal Insurance Group now uses technology covering 21 states to analyze property risks, an expansion of a partnership that began in 2025. The platform utilizes over 20 years of historical aerial imagery and building permit records to assess property features.
The players
Donegal Insurance Group
An insurance provider operating for over 130 years that serves households across 21 states.
ZestyAI
A technology firm providing AI-driven property analytics used by insurers to assess individual policy risk.
The details
The Z-PROPERTY platform uses predictive AI models to evaluate property-level data, specifically targeting roof condition, complexity, and the presence of debris. By combining these visual insights with historical building records, the insurer can move beyond basic metrics to identify specific hazards on an individual home. This granularity is designed to help the company underwrite risks with greater confidence by identifying potential claims drivers before they occur.
Timeline
1896: Donegal Insurance Group began operations.
2025: Donegal established its initial partnership with ZestyAI.
October 21, 2026: Donegal announced the expansion of its ZestyAI partnership.
Money Landscape
This integration follows a wider insurance industry trend of replacing manual, in-person property inspections with automated digital modeling. It reflects the ongoing shift toward using high-resolution aerial imagery to modernize risk assessment and policy pricing.
Homeowners in the states served by Donegal may see changes in how their property is evaluated for insurance purposes. If you have questions about how these analytical tools impact your specific coverage, contact your insurance agent to discuss your policy details.
The takeaway
Insurance companies are increasingly using AI to analyze exterior home conditions, potentially changing how policies are priced. Review your home insurance declaration page annually and discuss any significant property updates or roof work with your agent to ensure your risk profile remains accurate.
Further reading
For more information on how insurers determine your coverage costs, visit our Insurance section.
Source note: This article includes information reported by FinTech Global.
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Do you trust that insurance companies using AI property analytics will lead to fairer home assessments?
