Insurer guide
MSI Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote MSI. This page lists the MSI coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by MSI. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention MSI if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
MSI coverage and states available through our agency
The table shows each MSI coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Homeowners | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| High Value Home | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Personal Flood | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
| Homeowners E&S | Personal | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
About MSI
Because MSI is an MGA, the insurer named on your policy depends on the program and your state. Your quote and policy documents show which insurance company is behind the coverage, and that is the company whose financial strength rating to check. Through our agency we can request the MSI home and flood coverage types in the table above.
- What it is: A managing general agent (MGA), not an insurance company. MSI designs and administers insurance programs, and partner insurers issue the policies.
- Full name: Millennial Specialty Insurance, LLC.
- Founded: 2015, starting with renters insurance sold online.
- Ownership: An indirect subsidiary of The Baldwin Insurance Group (NASDAQ: BWIN) since 2019.
- Range: More than 20 products across personal, commercial and professional lines.
Company details checked November 2026. Ratings and ownership can change, so confirm current information with the insurer or the rating agency. Blake Insurance Group is an independent agency and is not owned by MSI.
Sources
How to request a MSI quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether MSI is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Hippo, Pacific Specialty Insurance Company, Annex Risk, Delos, HoneyQuote, Kelly Klee, Green Shield Risk, Adaptive.
Who MSI is
MSI is Millennial Specialty Insurance, LLC. It's an independent MGA and an indirect subsidiary of The Baldwin Insurance Group (NASDAQ: BWIN). Baldwin's January 2025 release, datelined Tampa, Florida, gives this background:
- Founded in 2015, starting as a digital renters product.
- Joined Baldwin in 2019.
- More than $1 billion of in-force premium in 2024.
- More than 1.5 million customers.
MSI's site describes admitted and E&S homeowners, flood, investor and renters products. A note on naming: First Connect lists "MSI" without spelling out the name. We matched it to Millennial Specialty by its products, which line up closely.
Who issues MSI policies
According to First Connect, MSI's excess and surplus (E&S) homeowners business is written through Spinnaker Specialty and MS Transverse Specialty. First Connect says both are "rated A minus or better."
- Spinnaker Specialty Insurance Company is part of Spinnaker Insurance Group, whose parent is Hippo Holdings (NYSE: HIPO) of Bedminster, New Jersey. It's 100% reinsured. AM Best affirmed it at A- (Excellent), issuer credit rating "a-", stable, on January 28, 2026.
- Transverse Specialty Insurance Company, now part of MS&AD, backs MSI's nationwide E&S high-value home program. The Insurer reported an AM Best "A," but we didn't see a current AM Best release.
What MSI offers through First Connect
According to First Connect, MSI offers high-value home, homeowners and personal flood coverage there.
- Retail HO3 and HO5 for higher-value homes in catastrophe-exposed areas.
- Mainstreet HO3, which is being folded into the main HO3 flow.
- E&S high-value home for homes up to $10 million insured value, launched around late 2023, according to The Insurer.
MSI's E&S homeowners product "officially launched nationwide as of June 30, 2026," according to First Connect. Wildfire-exposed and coastal homes aren't eligible for one of the programs. The First Connect carrier directory lists all 50 states plus DC.
How MSI sells
MSI sells through agents. They quote and bind on MSI's Virtual Insurance Platform, which MSI calls VIP.
As an MGA, MSI runs the programs, while the insurers behind them carry the risk. Depending on the product, your policy could be admitted or E&S, and could come from different insurers.
MSI's parent, Baldwin, is publicly traded. But MSI itself isn't the insurer. The insurers named above are.
MSI news, 2025 to 2026
- January 28, 2025: marked 10 years in business.
- April 24, 2025: launched a habitational general liability product.
- June 26, 2025: launched a cyber program for managed care organizations.
- April 2026: launched standalone canine liability for landlords.
- June 30, 2026: E&S homeowners went nationwide.
- September 30, 2026: embedded insurance for manufactured housing communities, and a partnership with Kanguro.
We opened only the 10-year release. The others come from news headlines.
What to check before you buy MSI
- Admitted or E&S. Ask which kind your policy is.
- The insurer. Find Spinnaker Specialty, Transverse or another name on your policy, and check its rating.
- Eligibility. Wildfire and coastal homes may not qualify for every program.
- Flood. Ask whether you need a separate flood policy.
- Your agent. MSI sells through agents on its VIP platform. Ask yours whether they're set up with it.
- Transverse's rating. If Transverse issues your policy, check its current rating with AM Best. We saw only a secondary report.
Sources for the sections above: Baldwin: MSI celebrates 10 years of service (2025); MSI: About MSI; Business Wire: AM Best affirms ratings of members of Spinnaker Insurance Group (2026); First Connect: MSI nationwide launch (secondary); First Connect: MSI post-launch session (secondary); The Insurer: MSI and Transverse high-net-worth program (secondary).
MSI FAQs
Can Blake Insurance Group quote MSI?
Yes. Our agency currently has access to quote MSI for the coverage types and states listed on this page. Access can change, and MSI decides whether to offer a policy.
Which states can you quote MSI in?
Of the 24 states where we are licensed, we can currently quote MSI in AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare MSI with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. MSI decides eligibility, pricing and whether to issue a policy.
Trademarks. MSI and other company names are trademarks of their owners. This page is not published or endorsed by MSI.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check MSI and other options available to you.