Betterview — the US carriers using its property AI imagery in 2026.

TL;DR

• ~26 named US carriers publicly use Betterview as of 2026: Nationwide, EMC Insurance, Allied Trust, American Farmers and Ranchers, Augusta Mutual, Vermont Mutual, Celina Insurance, Centauri Insurance, CM Regent, Co-operative Insurance, Fairmont Farmers Mutual, FMT Insurance, Franklin Mutual, Germania Insurance, GuideOne Insurance, HAI Group, Midwest Family Mutual, MMG Insurance, Ohio Mutual Insurance, SECURA Insurance, Southern Trust Insurance, Stillwater Insurance, The Redwoods Group, Utica First Insurance, West Bend Mutual, Rockford Mutual.
• The customer roster is heavily concentrated at regional mutuals, farm-bureau carriers, and specialty writers (church / nonprofit, housing authority, lender-placed). Tier-1 nationals are thin; Nationwide is the lone clear tier-1.
• The pattern matches: Cape Analytics has captured the State Farm + Hippo + Amica tier; Betterview has captured the regional / mutual tier. The two vendors have effectively partitioned the US property-imagery market by carrier-tier.
• For carriers evaluating property-AI imagery in 2026, Betterview competes most directly with Cape Analytics (broader top-tier deployment), Hover (3D-imagery roof and exterior), Loveland Innovations / IMGING (drone-imagery), and CoreLogic (incumbent property data + analytics).
• Betterview's positioning is the AI-driven property risk imagery + roof condition assessment layer specifically — not catastrophe modeling (Verisk / Moody's), not building-characteristic data only (Cape) — its differentiator is granular risk-condition assessment.

The 2026 carrier roster

All carriers below are sourced individually on the Betterview tool card with primary URLs.

Tier-1 / national

• Nationwide — broad personal-lines deployment

Regional mutuals + cooperatives

• EMC Insurance — Iowa-based commercial-lines mutual
• Vermont Mutual Insurance Group
• West Bend Mutual Insurance
• Ohio Mutual Insurance Group
• Co-operative Insurance Companies (NE/VT regional)
• Midwest Family Mutual Insurance
• MMG Insurance — Maine-based
• SECURA Insurance — Wisconsin-based
• Rockford Mutual Insurance — Illinois-based

Farm-bureau / agricultural

• American Farmers and Ranchers Insurance
• Germania Insurance — Texas farm/rural mutual
• Augusta Mutual Insurance — Virginia farm
• Celina Insurance Group — Ohio farm
• Fairmont Farmers Mutual — Minnesota farm
• FMT Insurance Group (Farm Mutual of Tennessee)
• Franklin Mutual Insurance Group — NJ farm
• CM Regent (Conestoga Mutual / Regent Insurance) — PA farm

Specialty + lender-placed + niche

• Allied Trust Insurance — Louisiana coastal specialty
• Centauri Insurance — FL specialty
• GuideOne Insurance — church / nonprofit specialty
• HAI Group — housing-authority specialty (public-sector)
• The Redwoods Group — camp / non-profit specialty
• Utica First Insurance — NY commercial / personal
• Southern Trust Insurance — Georgia specialty
• Stillwater Insurance Group — broad specialty / cross-sold

What Betterview actually does

Betterview is an AI-driven property risk imagery platform. Carriers submit a property address; Betterview returns:

• High-resolution aerial imagery of the property
• AI-detected roof condition (age estimation, damage detection, missing shingles, debris)
• Building-characteristic data (roof type, structures detected, square footage)
• Risk-flag scoring (overgrowth, debris, unattended pools, structural concerns)
• Trend imagery — comparing current to historical aerial imagery to detect change

For carriers using it, Betterview typically:

• Replaces or supplements physical inspections — instead of dispatching a field inspector for every new policy or renewal, the carrier uses Betterview imagery for low-risk decisions and dispatches inspectors only for flagged properties
• Surfaces non-renewal candidates via roof condition + change detection
• Provides risk-mitigation conversations with policyholders ("we noticed your roof condition; here's what to address")
• Integrates with Guidewire, Duck Creek, and policy-administration systems for inline underwriting decisioning

These outcomes are publicly cited in Betterview case studies (Stillwater, Vermont Mutual, EMC, others) and in trade-press coverage of the Nearmap acquisition.

Why the customer roster looks like this

Three reasons Betterview's customer base is concentrated at regional mutuals and specialty:

1. Regional mutuals can't justify proprietary imagery infrastructure. A Vermont Mutual or Ohio Mutual can't justify hiring a 50-person aerial-imagery + computer-vision team. Buying Betterview is the rational choice. Tier-1 nationals (State Farm, Travelers, Allstate) have made the build-vs-buy choice differently — sometimes proprietary, sometimes Cape Analytics, sometimes Betterview, but at variable depth.

2. Farm-bureau and rural-mutual carriers have specific needs. Property-imagery's value scales with property heterogeneity — rural and agricultural properties (barns, outbuildings, ag-related structures) benefit more from aerial imagery than uniform suburban subdivisions. Farm-bureau and rural-mutual carriers were natural early adopters.

3. Cape Analytics partitioned the top tier first. Cape's strategic-investor list (State Farm Ventures, others) and tier-1 deployment (Travelers, Hippo, AXA-XL) made Cape the modal choice for tier-1 nationals. Betterview adapted its go-to-market to the regional / mutual / specialty tier, where Cape has thinner deployment.

Adjacent vendors and how Betterview fits

Three categories of overlap:

Direct property-imagery competitors: Cape Analytics is the closest direct competitor — broader top-tier deployment, AI-native, similar product surface. The two vendors have effectively partitioned the US market by carrier-tier (Cape = tier-1, Betterview = regional + mutual + specialty).

3D / detailed-roof imagery: Hover provides 3D building reconstructions and exterior measurements, more focused on construction / contractor workflows than underwriting. Loveland Innovations (IMGING) and DroneBase provide drone-based detailed imagery for commercial property and post-CAT loss assessment.

Incumbent property data: CoreLogic, Verisk (ISO Insurance Services Office) provide broad property data and risk scoring — historically the incumbent layer Betterview and Cape have been displacing for AI-native risk assessment.

What this means for buyers

For carriers evaluating Betterview in 2026:

1. It's the modal choice for regional mutuals and specialty. With ~26 named customers concentrated at this tier, you can find a peer with operational experience.
2. The Nearmap acquisition (2023) deepened the imagery layer. Nearmap's high-frequency aerial imagery + Betterview's AI is more robust than either alone. Verify the integration is fully realized for your specific use case.
3. The integration depth matters. Betterview plugs into Guidewire, Duck Creek, and proprietary systems. Verify the integration is real and reflects the post-Nearmap product.
4. Compare against Cape Analytics for tier-1 deployments. If you're a tier-1 national or HNW writer, Cape Analytics typically has the deeper top-tier deployment depth. The choice depends on which vendor's go-to-market matches your tier.
5. Watch trend-imagery (change-detection) capability. This is one of the differentiators of property-imagery AI in 2026 — detecting roof condition changes between current and historical imagery to flag non-renewal or rate adjustment candidates. Both Betterview and Cape do this; the depth differs by deployment.

Adjacent reading

• Betterview — vendor card — full sourced customer list with primary URLs
• Zesty.ai US carrier roster 2026 — adjacent property-AI category, wildfire-modeling focus
• State Farm + Cape Analytics — investment — the tier-1 deployment story
• Carrier × vendor matrix — broader graph of who uses what