About Veloqua
Home insurance optimization, without broker bias
Veloqua uses NAIC rate filing data, FEMA risk assessments, IBHS mitigation discount schedules, and actuarial modeling to help you understand what your home insurance should actually cost -- and what you can do to lower it.
The Problem
Homeowner insurance premiums have risen 46% since 2021. Six states saw 20%+ increases in 2025 alone. Yet most homeowners have no way to know whether their premium is fair for their specific property, territory, and risk profile. Comparison sites are funded by carrier commissions and steer users toward plans that pay the highest referral fees, not the ones that offer the best value.
Our Approach
We ingest state-approved rate filings from NAIC, territory-based rating factors from state DOI rate manuals, flood zone data from FEMA Risk Rating 2.0, wildfire risk scores from First Street Foundation, and mitigation discount schedules from IBHS FORTIFIED Home standards. For your specific property, we decompose your premium by peril, run Monte Carlo simulations to optimize your deductible, calculate the ROI of home improvements, detect coverage gaps, and project your premium trajectory over the next 5-10 years based on climate risk trends.
Our Values
Regulatory Data Integrity
We use only authoritative NAIC rate filings, FEMA risk data, and IBHS discount schedules. Every estimate can be traced back to published regulatory sources -- no proprietary black boxes.
No Broker Bias
Unlike comparison sites that earn commissions, Veloqua has zero financial relationship with any insurance carrier. Our recommendations are based purely on math, not affiliate incentives.
Honest Assessment
We do not sugarcoat your risk exposure. Our Monte Carlo simulations show expected costs and worst-case scenarios so you can plan for both.
Developer-First
Every feature available to consumers is also available through our REST API. Build insurance cost optimization into your own applications.
Part of Smart Technology Investments
Veloqua is a product of Smart Technology Investments LLC, a research-driven company building decision intelligence tools that help consumers make better financial decisions using data that was always available but never accessible.
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