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Stand Insurance utilizes a physics-based modeling approach, combining simulation, imagery, and field assessments to understand property-level risks for wildfire, wind, hail, water, and earthquakes. This allows them to underwrite coverage for high-value homes in challenging markets like California and Florida, which may be avoided by other insurers. The company's "World Model" simulates natural perils against individual properties to identify key risk factors. Stand also works with homeowners and brokers to implement property-specific mitigations, such as clearing vegetation or installing ember-resistant vents, to reduce risk and adjust premiums accordingly. They partner with A-rated carriers and reinsurers to provide coverage.