Donegal Insurance Expands Use of ZestyAI Analytics

The Marietta-based insurer is integrating advanced property data into its underwriting process for greater precision.

Updated on Oct. 21, 2026 in Insurance

Donegal Insurance Expands Use of ZestyAI Analytics

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Donegal Insurance Group has expanded its partnership with ZestyAI to incorporate detailed property analytics into its underwriting operations. The insurer will now utilize the Z-PROPERTY platform to assess factors such as roof condition, complexity, and property debris.

Why it matters

This integration provides underwriters with a more comprehensive view of individual property risks, enabling more accurate policy assessments. The expanded toolkit aims to help the insurer maintain confidence in its risk modeling across its footprint.

Donegal Insurance Group serves 21 states and relies on ZestyAI technology which has secured over 500 regulatory approvals nationwide. The platform leverages more than 20 years of historical aerial imagery to inform its property risk assessments.

The players

Donegal Insurance Group

This insurance company has operated for over 130 years and is headquartered in Marietta, Pennsylvania.

ZestyAI

This company provides property risk assessment technology that uses building permit records and historical aerial imagery.

The details

The Z-PROPERTY platform combines building permit records with predictive AI models to evaluate property features. This new layer of automated insight complements Donegal's existing use of ZestyAI's Roof Age solution, which remains a key component of its underwriting workflow.

Donegal Insurance Group began insurance operations around 1896.
The insurer initiated its relationship with ZestyAI in 2025.
The expanded partnership with ZestyAI was announced on October 21, 2026.

Market Dynamics

The integration of ZestyAI's Z-PROPERTY platform reflects a broader trend among regional insurers to adopt high-tech automation for granular risk analysis. This shift allows firms to modernize underwriting workflows against legacy manual systems while keeping pace with digital competitors.

Policyholders may see more refined pricing models as the company gains better insight into property-level risks. Shareholders may view this digital transformation as a move to stabilize loss ratios and improve long-term operational efficiency.

The takeaway

Insurance companies are increasingly replacing manual property inspections with AI-driven aerial imagery and predictive models. These tools allow insurers to assess property conditions more frequently and with greater accuracy than traditional methods.