EagleView vs Zesty.ai — Risk imagery for US insurance, 2026.
EagleView (5 named carriers) and Zesty.ai (16 named carriers) both sit at the risk imagery layer. Zero customer overlap in the public roster — they are addressing different segments of the same stack layer.
Last verified 2026-04-22 · methodology
TL;DR
- EagleView has 5 publicly-named carrier deployments; Zesty.ai has 16. Both at the risk imagery layer.
- Zero customer overlap in the public roster. EagleView and Zesty.ai are addressing different carriers within the same stack layer.
- Generation contrast: EagleView is modern; Zesty.ai is ai-native.
- Ownership contrast: EagleView is PE-owned (Vista Equity Partners + Clearlake Capital); Zesty.ai is independently held.
- Analyst coverage: 0 firms cover both, 3 only EagleView, 3 only Zesty.ai.
Customer overlap
| Bucket | Count |
|---|---|
| Named on EagleView only | 5 |
| Named on Zesty.ai only | 16 |
| Named on both | 0 |
| of which US-named on at least one side | 0 |
Only on EagleView
- Allstate (US)
- State Farm (US)
- Encompass (Allstate) (US)
- Hastings Mutual Insurance Company (US)
- USAA (US)
Only on Zesty.ai
- Farmers Insurance (US)
- California FAIR Plan Association (US)
- The Cincinnati Insurance Company (US)
- Amica Mutual Insurance (US)
- MetLife (US)
- CSAA Insurance Group (US)
- Kin Insurance (US)
- NEXT Insurance (US)
- Marsh McLennan Agency (Private Client Services) (US)
- Kingstone Insurance (US)
- American European Insurance Group (US)
- Harford Mutual Insurance Group (US)
- …and 4 more on the vendor card.
Counts derived from 21sourced carrier-deployment entries across both vendor cards. Aggregate-only statements (e.g. “16 of the top 20”) excluded.
Stack position
Ownership and corporate context
EagleView
- Type
- private-equity
- Parent
- Vista Equity Partners + Clearlake Capital
- Acquired
- 2018
Source: PR Newswire
Carrier-segment specialization
Analyst coverage differential
Only EagleView cited by
- Novarica (2018: 2018 Data/Analytics Novarica Impact Award — Allstate + EagleView OnSite)
- Carrier Management (2017: InsurTech Developer OmniEarth Acquired by EagleView)
- GeekWire (2015: Aerial rooftop measurement firm EagleView purchased by Vista Equity)
Only Zesty.ai cited by
- Insurance Journal (2026: ZestyAI Provides AI-Driven Risk Analytics for Marsh McLennan Agency)
- Insurance Innovation Reporter (2022: Zesty.ai Raises $33M in Series B Round)
- Reinsurance News (2023: Aon and Zesty.ai gain approval for AI wildfire model in California)
Recent news (last 12 months)
No news items in the last 12 months for either tool.
Sourced limitations
- Publicly named carrier deployments remain thin relative to EagleView's installed base. Allstate, State Farm (dedicated newsroom landing page), Encompass, Hastings Mutual and USAA can be anchored to public sources; other major US carriers (Liberty Mutual, Nationwide, Farmers) are widely reported to use aerial imagery but EagleView's own 2018 corporate fact sheet and Clearlake's portfolio page describe the insurance footprint in aggregate rather than by carrier name.Source: Clearlake Capital Group
- Aerial-imagery-driven non-renewals have drawn regulatory scrutiny in 2024-2026. A Carrier Management feature in March 2026 surveyed emerging state-level rules on the use of aerial imagery and AI in underwriting decisions — a risk factor for any carrier standardising on imagery-based pre-inspection.Source: Carrier Management
- Zesty.ai is explicitly a catastrophe-peril specialist (wildfire, hail, wind, severe convective storm). Unlike Cape Analytics or Betterview/Nearmap, it is not positioned as a general-purpose structural property-attributes vendor — carriers that need broad roof-condition, pool, and pre-inspection feeds alongside catastrophe scoring typically procure Zesty in parallel with one of those imagery vendors rather than as a replacement.Source: ZestyAI
- Regulatory exposure is concentrated in California and a small number of other states. Z-FIRE's rating-plan adoption depended on the California Department of Insurance's first-of-its-kind AI model approval in June 2021, and subsequent growth has followed state-by-state insurance-department filings — a slower path than unregulated underwriting-only deployments.Source: ZestyAI
Limitations published on Phidea are sourced to the underlying citation and reflect what is publicly named — not an exhaustive list. Consult the vendor card for the full record.
Frequently asked
- Do any carriers run both EagleView and Zesty.ai?
- Not in Phidea's public roster. Across 21 sourced carrier-deployment entries on both vendor cards, zero carriers appear on both. The two tools are addressing different carriers within the same stack layer.
- Who owns EagleView and Zesty.ai?
- EagleView is PE-owned (Vista Equity Partners + Clearlake Capital). Zesty.ai is independently held.
- Are EagleView and Zesty.ai the same generation of tool?
- No. Phidea classifies EagleView as modern and Zesty.ai as ai-native. Generation reflects the underlying technology era — legacy is pre-cloud, modern is cloud SaaS with classical ML, AI-native is built around deep learning or LLMs from day one. For carriers picking between them, the generation gap usually matters more than feature comparison.
- Which has more named US carriers?
- Zesty.ai has the larger publicly-named US roster: EagleView 5, Zesty.ai 16. Public-roster size is a coverage signal, not a quality signal — vendors with stronger NDAs may have larger actual US footprints than the public count shows.
- Where are these tools positioned in the insurance stack?
- Both sit at the risk imagery layer. EagleView replaces physical pre bind inspection, manual roof measurement; Zesty.ai replaces regional wildfire risk zones, manual catastrophe underwriting.