The home insurance industry in Europe serves to protect homeowners from a variety of risks, including damage to property and liability claims. On offer are services from traditional insurers, insurtech innovations, and brokerage firms, each vying for market share. In recent years, the sector has been increasingly embracing technology, focusing on delivering personalized services and efficient claims processing through digital platforms. Trends point towards increased transparency, sustainability, and customer-centric approaches in insurance offerings. Moreover, rising climate concerns are prompting insurers to develop policies addressing climate-related risks, indicating a shift in how the industry addresses emerging challenges.


The investors listed include a mix of venture capital firms and corporate players, primarily headquartered in major European cities like London, Paris, and Munich. Founded between 1982 and 2020, these investors vary in size, ranging from small teams to larger corporations with thousands of employees. In 2024, they collectively engaged in a notable number of deals, emphasizing their active participation in the home insurance market. Their investments showcase a significant interest in modern solutions and emerging technologies within the sector, underlining the evolving nature of home insurance in Europe.


Top 15 Home Insurance Investors in Europe


1. PIB Group

  • Website: pibgroup.co.uk
  • Type: Corporate
  • Headquarters: London, England, United Kingdom (UK)
  • Founded year: 2015
  • Headcount: 1001-5000
  • Number of deals in 2024: 9
  • LinkedIn: pib-group

PIB Group is a London-based corporate investor founded in 2015, specializing in providing insurance intermediary services across various sectors, including home insurance. With a workforce of 1001-5000 employees, PIB Group has made significant strides in the insurance market, evidenced by their numerous acquisitions. Notably, they acquired Campion Insurance for $81,114,936 in November 2021, which enhances their capabilities in the insurance sector. Additionally, their acquisition of Munstergroup Insurance in October 2023, along with other brokerages like Mike Murphy Insurance and Sullivan Insurances, demonstrates their commitment to expanding their footprint in the insurance industry, including home insurance. PIB Group's strategy focuses on collaboration and customer-centric solutions, aiming to meet the diverse needs of their clients, which further supports their relevance in the home insurance market.


2. Bpifrance French Tech Accélération


Bpifrance French Tech Accélération is a venture capital investor based in Paris, Île-De-France, France, founded in 2015. As a public entity and financial institution, Bpifrance supports entrepreneurs and businesses in France and internationally through various services, including direct funding, export credit insurance, and private equity investments. The institution aims to foster entrepreneurship and innovation, helping businesses navigate growth and international expansion. Notably, Bpifrance has invested in several companies within the home insurance sector, including Lovys, a France-based InsurTech that raised €17 million in its Series A funding round, and Otherwise, a collaborative insurance provider that secured €1.6 million in funding. These transactions highlight Bpifrance's active role in supporting innovative insurance solutions, particularly in the home insurance context.


3. Howden Broking


Howden Broking, founded in 1994 and based in London, England, is a prominent insurance broker that provides a diverse array of insurance products, including Home & Contents Insurance and Employee Benefits. With a workforce exceeding 10,000 employees, Howden serves both individual consumers and businesses, delivering tailored insurance solutions to manage risks and protect assets. The company has been actively expanding its operations through strategic acquisitions, such as Laurie Ross, a personal and commercial lines broker in Scotland, and SKB Independent Insurance Brokers in Edinburgh, both of which enhance Howden's capabilities in the home insurance market. Additionally, Howden has made acquisitions in other regions, such as Expat Marine in Hong Kong and Bridges Insurance in New Zealand, showcasing its global reach and commitment to strengthening its insurance broking operations. These transactions reflect Howden's strategy to grow its presence in the home insurance sector and provide comprehensive insurance solutions to its clients.


4. Ardonagh Specialty

  • Website: ardonagh.com
  • Type: Corporate
  • Headquarters: London, England, United Kingdom (UK)
  • Founded year: 2017
  • Headcount: 1001-5000
  • Number of deals in 2024: 7
  • LinkedIn: ardonagh-specialty

Ardonagh Specialty is a corporate investor based in London, England, and is part of the Ardonagh Group, an independent insurance broker founded in 2017. The group provides a wide range of insurance services, including motorcycle and travel insurance, and serves both individual consumers and businesses. In recent years, Ardonagh Specialty has made several strategic acquisitions to enhance its market presence in the insurance sector. Notably, they acquired Swinton Group in 2018, which is known for personal insurance products. In 2024, they announced the acquisition of Rowett Insurance Broking, which specializes in both commercial and personal insurance, further solidifying their footprint in the home insurance market. Additionally, the acquisition of Rollinson Smith Insurance Brokers, which operates in regions that may include residential areas, indicates their ongoing commitment to expanding their services in personal insurance, including home insurance.


5. Kima Ventures

  • Website: kimaventures.com
  • Type: Venture Capital
  • Headquarters: Paris, Île-De-France, France
  • Founded year: 2010
  • Headcount: 1-10
  • Number of deals in 2024: 50
  • LinkedIn: kima-ventures

Kima Ventures is a venture capital firm based in Paris, Île-De-France, France, founded in 2010. The firm specializes in investing in early-stage startups across various sectors, backing two startups per week with financial support and mentorship to help them navigate initial challenges and achieve success. Notably, Kima Ventures has made significant investments in the home insurance sector, including Luko, which raised $2,394,301 in a seed round in May 2018, and Assurup, which raised $1,178,055 in October 2017. Additionally, they invested in TheGuarantors, which also raised funds in a seed round in February 2016. Their recent investment in Welfaire, which raised $3,252,903 in January 2024, further emphasizes their ongoing interest in the insurance industry. These transactions highlight Kima Ventures' active role in supporting innovative companies within the home insurance market.


6. Mundi Ventures


Mundi Ventures is a venture capital firm based in Madrid, Spain, founded in 2015. The firm specializes in early-stage and growth-stage technology companies, with a strong focus on sectors such as insurtech and health tech. Mundi Ventures manages approximately €500 million in assets and provides both capital and strategic guidance to help startups achieve their sustainability goals. Notably, Mundi Ventures has invested in Urban Jungle, a London-based insurance technology startup that raised $14 million in funding to scale its UK home insurance business. They also participated in earlier funding rounds for Urban Jungle, showcasing their ongoing support for home insurance innovation. Additionally, Mundi Ventures has invested in wefox, a Berlin-based digital insurer that has raised significant capital to expand its operations, further highlighting their engagement in the insurance sector.


7. Aon

  • Website: aon.com
  • Type: Corporate
  • Headquarters: London, England, United Kingdom (UK)
  • Founded year: 1987
  • Headcount: 10001+
  • Number of deals in 2024: 2
  • LinkedIn: aon

Aon plc is a professional services firm specializing in risk management and human capital solutions, founded in 1987 and headquartered in London, England. With over 10,000 employees, Aon operates globally, providing a range of services including insurance broking, risk analytics, and consulting. Notably, Aon has made strategic acquisitions to enhance its capabilities in the home insurance market. For instance, the acquisition of insure.ie, part of the Mike Murphy Insurance group, significantly bolstered Aon's presence in the personal lines insurance market in Ireland, which is a key segment for home insurance. Additionally, the acquisition of Henderson Insurance Broking Group further integrated Aon into the home insurance landscape, bringing in substantial gross written premiums. These transactions highlight Aon's active role in the home insurance industry, alongside their broader focus on various insurance and risk management services.


8. Allianz X

  • Website: allianzx.com
  • Type: Corporate
  • Headquarters: Munich, Bavaria, Germany
  • Founded year: 2016
  • Headcount: 11-50
  • Number of deals in 2024: 6
  • LinkedIn: allianzx

Allianz X is a venture capital firm based in Munich, Bavaria, Germany, founded in 2016. It specializes in investing in digital growth companies within the insurtech and fintech sectors, providing strategic support and capital to help these companies scale their operations. Allianz X has made notable investments in the home insurance space, including a significant stake in Jubilee Allianz General Insurance Limited, which operates in Kenya. They have also invested in innovative insurtech companies such as Lemonade, Openly, Next Insurance, and Pie Insurance, which focus on modernizing and enhancing the insurance experience for consumers. These transactions highlight Allianz X's commitment to supporting the evolution of the insurance industry, particularly in home insurance.


9. Allianz

  • Website: allianz.com
  • Type: Corporate
  • Headquarters: Munich, Bavaria, Germany
  • Founded year: 1890
  • Headcount: 10001+
  • Number of deals in 2024: 5
  • LinkedIn: allianz

Allianz is a leading insurance company based in Munich, Bavaria, Germany, founded in 1890. With a workforce of over 10,000 employees, Allianz provides a wide range of insurance products and investment management services aimed at risk management and asset protection for individuals and businesses. The company has a global presence and is focused on creating long-term value for stakeholders through innovative solutions. Notably, Allianz has been involved in significant transactions in the home insurance sector, including a recent agreement to acquire TUA Assicurazioni for €280 million, which is expected to strengthen their market share in Italy's property and casualty insurance sector. Additionally, Allianz has participated in funding rounds for Lemonade, a company that specializes in renters and homeowners insurance, showcasing their active role in the home insurance industry.


10. SoftBank Investment Advisers


SoftBank Investment Advisers, also known as the SoftBank Vision Fund, is a venture capital fund based in London, England, founded in 2017. The fund specializes in investing in technology-focused companies, particularly those innovating in artificial intelligence and other advanced technologies. With a diverse portfolio, SoftBank has made significant investments across various sectors, including health tech and fintech. Notably, they have invested in PolicyBazaar, a leading online insurance aggregator in India, where they participated in multiple funding rounds, including a $200 million Series F round and a $50 million Series H round. This involvement highlights their interest in the insurance sector, particularly in platforms that facilitate access to home insurance products. Additionally, they have invested in Zhong An, a digital insurance company, further emphasizing their engagement in the insurance industry. These transactions reflect SoftBank's strategy of supporting growth-stage companies that are poised for significant market impact, including those in the home insurance space.


11. JMG Group

  • Website: jmg-group.co.uk
  • Type: Corporate
  • Headquarters: Leeds, England, United Kingdom (UK)
  • Founded year: 2020
  • Headcount: 501-1000
  • Number of deals in 2024: 8
  • LinkedIn: jmg-group

JMG Group is an insurance broker based in Leeds, England, specializing in tailored insurance solutions and risk management services for both businesses and individuals. Founded in 2020, the company has quickly established itself in the insurance market, with a strong emphasis on client relationships and expert advice. JMG Group has been actively expanding its portfolio through strategic acquisitions, including notable transactions such as the acquisition of Nowell & Richards, which specializes in tailored private and commercial insurance, enhancing their offerings for high net worth clients. Additionally, their acquisition of BJP Insurance Brokers and SIA Insurance demonstrates their commitment to strengthening their presence in the insurance sector, including home insurance. With a total of 20 acquisitions since its inception, JMG Group is focused on growth and innovation in the insurance industry, making it a significant player in the market.


12. Davies

  • Website: davies-group.com
  • Type: Corporate
  • Headquarters: London, England, United Kingdom (UK)
  • Founded year: 1968
  • Headcount: 5001-10000
  • Number of deals in 2024: 8
  • LinkedIn: daviesgroup

Davies is a consulting firm based in London, England, specializing in providing professional services and technology solutions to the insurance and financial services sectors. Founded in 1968, the company has grown significantly, with a workforce of 5,001 to 10,000 employees. In recent years, Davies has actively expanded its operations through various acquisitions, particularly in the claims management space. Notable transactions include the acquisition of Nationwide Property Assistance (NPA), which enhances their home emergency assistance services, and BVS, a property technology firm that strengthens their capabilities in property claims. These strategic moves demonstrate Davies's commitment to improving operational efficiency and managing risks in the home insurance industry, making them a significant player in this sector.


13. Picus Capital

  • Website: picuscap.com
  • Type: Venture Capital
  • Headquarters: Munich, Bavaria, Germany
  • Founded year: 2015
  • Headcount: 11-50
  • Number of deals in 2024: 28
  • LinkedIn: picus-capital

Picus Capital is a venture capital firm based in Munich, Bavaria, Germany, founded in 2015. Specializing in early-stage technology investments, Picus Capital partners with innovative startups across various sectors, including fintech and healthcare. Their mission is to empower entrepreneurs to challenge the status quo and build sustainable category leaders globally. Notably, Picus Capital has invested in Kin Insurance, which raised over $13 million in Series A funding in 2018, focusing on transforming the home insurance landscape. Additionally, they have invested in Rhino, which raised $21 million in Series A funding in 2019, providing solutions that intersect with insurance and risk management. These transactions highlight Picus Capital's active role in the home insurance sector, alongside their broader investment strategy.


14. Crowdcube

  • Website: crowdcube.com
  • Type: Corporate
  • Headquarters: London, England, United Kingdom (UK)
  • Founded year: 2010
  • Headcount: 51-200
  • Number of deals in 2024: 3
  • LinkedIn: crowdcube-limited

Crowdcube is a London-based crowdfunding platform founded in 2010 that enables businesses to raise capital through equity investments. It connects startups and SMEs with potential investors, facilitating the funding process. The platform promotes diversity and inclusion within its workforce while providing investment management services to its clients. Notably, Crowdcube has been involved in several transactions relevant to the home insurance industry, including Pikl, which raised $2,768,709 in March 2023, and Paper Insurance, which raised $238,671 in August 2022. These investments highlight Crowdcube's engagement with companies that operate within the home insurance space, showcasing their role in supporting innovation and growth in this sector.


15. Partech

  • Website: partechpartners.com
  • Type: Venture Capital
  • Headquarters: Paris, Île-De-France, France
  • Founded year: 1982
  • Headcount: 51-200
  • Number of deals in 2024: 24
  • LinkedIn: partech

Partech Partners is a venture capital firm based in Paris, Île-De-France, France, founded in 1982. The firm specializes in providing funding and support to startups across various sectors, particularly in technology. Partech focuses on helping founders navigate the challenges of scaling their businesses through investment and strategic advisory services. They operate globally with a diverse portfolio of companies. Notably, Partech has made significant investments in the insurtech sector, including Lovys, which raised $120,000 in a Pre-Seed round in 2017, and Getsafe, which raised $5.1 million in a Seed round in 2015. They also participated in multiple funding rounds for Igloo, a company that raised $19 million in Series B and $16 million in Series A funding. Most recently, Partech was involved in a Series A funding round for Orus, a French insurtech company, which raised €11 million in October 2023. These transactions highlight Partech's commitment to the home insurance industry and its potential for future investments in this space.



Home Insurance Insights: Key Investors in Europe


InvestorHeadquarterSizeFoundedDeals 2024
PIB GroupLondon, England, United Kingdom (UK)1001-500020159
Bpifrance French Tech AccélérationParis, Île-De-France, France1-102015198
Howden BrokingLondon, England, United Kingdom (UK)10001+199414
Ardonagh SpecialtyLondon, England, United Kingdom (UK)1001-500020177
Kima VenturesParis, Île-De-France, France1-10201050
Mundi VenturesMadrid, Madrid, Spain11-5020157
AonLondon, England, United Kingdom (UK)10001+19872
Allianz XMunich, Bavaria, Germany11-5020166
AllianzMunich, Bavaria, Germany10001+18905
SoftBank Investment AdvisersLondon, England, United Kingdom (UK)201-500201714
JMG GroupLeeds, England, United Kingdom (UK)501-100020208
DaviesLondon, England, United Kingdom (UK)5001-1000019688
Picus CapitalMunich, Bavaria, Germany11-50201528
CrowdcubeLondon, England, United Kingdom (UK)51-20020103
PartechParis, Île-De-France, France51-200198224


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