Overview
- Stand and Frontline announced the partnership on Tuesday, May 26, 2026, under which Stand will underwrite wildfire risk using its physics-native model and offer Frontline customers premium discounts of up to 25%.
- Stand's model simulates how wind, embers, moisture, vegetation, and building materials interact with a specific home and found Frontline installations can cut modeled wildfire risk by as much as 60%, which Stand translates into lower prices.
- Frontline’s system provides continuous exterior defense with zoned water sprinklers, Class-A biodegradable foam, remote monitoring, battery backup, and satellite connectivity designed to fight ember attack and direct flame on roofs and siding.
- The companies say the evidence includes Frontline’s reported outcome in the 2025 Los Angeles fires, where 59 of 61 customer homes survived, but high upfront installation costs commonly cited at $15,000 to $30,000 and limited underwriting capacity will constrain rapid, wide adoption.
- The program is being offered statewide in California subject to regional capacity and reinsurance limits, and the partners say the same physics-based approach could be applied to other catastrophe markets while insurers evaluate its role in easing the state’s strained home-insurance market.