SAN FRANCISCO – November 18— bolt, the insurtech with the world’s largest technology-enabled insurance exchange, today announced the launch of VTROSM, a new homeowners insurance offering developed by bolt with policies issued 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.
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About VTROSM
VTROSM (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.Recent research from Progressive Insurance and Harvest Hosts points to sustained RV usage in 2025, with as many as 92% of RV owners saying they expected to travel the same amount or more throughout the year. Looking ahead, 2026 is poised to be an even busier road-trip year. With the FIFA World Cup spanning 11 U.S. host cities, the Route 66 Centennial, and America’s 250th anniversary, reliable RV protection will be especially important for travelers and the agencies that serve them.
“Our partnership with Roamly adds specialty RV coverage backed by deep underwriting expertise, giving agents more ways to support customers on the road as demand increases,” said Nicole Sivieri, Sr. Vice President, Insurance Capital Solutions at bolt. “By expanding our specialty portfolio with dedicated RV protection, we are helping agencies meet a real and growing need with coverage designed specifically for how RV owners travel.”
“Together, we are committed to providing agencies and their policyholders with specialized, reliable protection through a simple digital experience,” said Brad Simmons, General Manager of Roamly. “Leveraging bolt’s innovative distribution model gives Roamly unparalleled access to agents and RV owners seeking robust coverage for their vehicles. This strategic alignment reinforces our role as a trusted brand in specialty insurance, ensuring customers who embrace road trips and new ways to travel are fully protected.” Roamly RV policies are available now to all agents using bolt.
