Senior State Manager – Homeowners

Location: Fully Remote
Compensation: $160,000-200,000 base

A growing specialty property insurance business is seeking a Senior State Manager to own the performance and profitable growth of its Homeowners programs, initially focused on Colorado and Texas.

This is a high-ownership opportunity for a senior Homeowners professional who enjoys combining P&L ownership, catastrophe portfolio management, product strategy and hands-on execution.

The Role

You will act as the internal state owner, working across Product, Actuarial, Underwriting, Distribution, Regulatory, Operations, Technology, Carrier Partners and Reinsurance to build and scale profitable state programs.

Key responsibilities include:

• Own state-level P&L and performance, including premium growth, rate adequacy, loss ratio, retention and conversion.
• Build and launch state programs from the ground up, including market analysis, distribution strategy and launch plans.
• Manage catastrophe and portfolio risk across wildfire, hurricane and severe convective storm exposure.
• Analyze PML, AAL, aggregation, peril mix and reinsurance constraints to inform growth and risk decisions.
• Partner with Actuarial and Underwriting on rates, rules, eligibility and underwriting strategy.
• Lead regulatory execution, including rate, rule and form filings and DOI responses.
• Monitor portfolio performance, identify emerging trends and drive corrective actions.
• Present performance, risks and recommendations to senior leadership.

What They’re Looking For

• 8-10+ years of P&C insurance experience, with significant Homeowners/residential property expertise.
• Proven experience managing catastrophe-exposed Homeowners portfolios.
• Experience launching, growing or materially improving state or property programs.
• Direct experience with P&L or portfolio ownership.
• Strong understanding of rate adequacy, loss ratios, retention, conversion, catastrophe exposure and reinsurance.
• Strong technical/analytical skills, ideally including SQL and Python.
• Knowledge of Homeowners forms, coverage, endorsements, underwriting guidelines and rating mechanics.
• Strong regulatory experience, including DOI/SERFF filings.
• Entrepreneurial, hands-on mindset with the ability to make decisions in a fast-moving environment.
• Excellent cross-functional communication and stakeholder management skills.

Why Consider the Opportunity?

• Fully remote senior leadership opportunity.
• Significant ownership over Colorado and Texas Homeowners programs.
• Opportunity to build and launch programs rather than simply manage an established book.
• Direct influence over P&L, pricing, underwriting, product and portfolio strategy.
• Work closely with senior leadership and teams across Actuarial, Underwriting, Product, Distribution, Technology and Reinsurance.
• Opportunity to shape future state expansion and program growth.
• Highly entrepreneurial environment with significant autonomy and visibility.
• Hands-on role suited to someone who wants to combine strategic decision-making with detailed execution.

This role would suit a senior Homeowners/property insurance leader who has successfully managed catastrophe-exposed portfolios and wants genuine ownership over state strategy, P&L and program growth.

Apply confidentially or reach out for further details.