bolt brings VTRO to California’s homeowners market

bolt has launched VTRO , a new homeowners program built for California and backed by an A.M. Best “A” and S&P “A+” rated carrier. The product enters a market where many homeowners have struggled to secure coverage and have turned to the FAIR Plan.

VTRO pairs a standard homeowners policy with smart water sensor technology, which is designed to detect leaks early and reduce water-related losses by as much as 40%.

The product is available through bolt’s digital distribution network, giving thousands of licensed agents statewide access to another option for hard-to-place property risks. Each policy carries a $10,000 deductible.

VTRO is a California MGA created by bolt and is designed specifically for the state’s risk environment, combining traditional coverage with connected-device prevention tools.