Direct Access Markets
1-800-485-0229
Flexible Coverage Built for Texas Homeowners
Homeowners deserve more than just being a policy number. That’s why AmSuisse partnered with Thore—a member-owned carrier offering flexible, people-first coverage. Deliver modern homeowners insurance built around real needs, not carrier profits.
Independent Agents:
Thore Highlights
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Texas-based Homeowners insurance carrier
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Rated A, Exceptional by Demotech
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Available in Texas (with additional states expected soon!)
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Tech-forward platform for fast quoting and bind
Agent Benefits
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Streamlined submission process
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Competitive commission
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No fees to get started
Underwriting Benefits
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Loss-Free Renewal Discount
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New Loan / New Purchase Discount
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No Credit Score Required
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Remodeled Home Discount
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New Roof Discount
Thore is a member owned reciprocal exchange.
That means insureds are members — not just customers — and pool premiums to protect one another. It’s managed by experienced professionals, not driven by shareholder profit, which helps keep pricing fair and returns surplus back to the membership.
Member-Owned Model
Policyholders are members who share risk together.
Professionally Managed
Oversight and claims handled by veteran AIF & MGA teams.
No Shareholders
Surplus isn’t paid to investors, it stays in the pool or returns to members.
Potential Cost Advantages
No profit motive means leaner expenses and competitive rates.
Retention-Friendly Structure
Built for long-term alignment and mutual benefit.
Ai-Powered Underwriting
Instant AI underwriting reduces post-bind cancellations — faster quotes, fewer surprises, stronger retention.
Tier 2 & Inland Texas Homeowners Coverage
Thore brings flexible, tech-driven homeowners solutions to underserved inland and Tier 2 coastal areas across Texas. With a reciprocal model and robust financial strength, agents can offer modern coverage backed by trusted experience.
Coverage Highlights
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Coverage A: Up to $750,000
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Water & Accidental Discharge: Up to $80,000
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Replacement Cost on: ▪ Roofs 10 years and younger ▪ Personal Property (not ACV-limited)
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2% Wind/Hail Deductible Statewide (Except Dallas counties)
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No Named Storm Deductibles
Start writing with Thore today.
Independent Agents, we've got markets!
Coastal Property
Hard to Place Risks
High Limit Flood
Admitted & Non-Admitted
International
Life
Surety Bonds
Commercial Auto
BOP
Disability / Critical Illness
Personal
Commercial
Home
Auto
Worker's Comp.
Follow us and keep ahead of the pack with new markets and carriers.