What Makes VYRD Different?

Built by Floridians for Floridians, VYRD is creating new and innovative homeowner's insurance from the ground up. Utilizing cutting-edge technology and a policyholder-first mentality, we aim to set the new standard in secure home protection. We're in this together and involve the customer to ensure we meet Florida homeowners' unique needs and expectations.

Agent Partners

Trust, built through personal connections, is essential to modern insurance. We believe strong relationships with qualified professional agents are imperative to providing Florida homeowners with the proper coverage.

Deep Expertise

VYRD’s leadership team has over 183 years of combined experience insuring homes in Florida, and we’re partnering with companies based in Florida and beyond to meet our policyholders’ needs.

Financial Strength

VYRD utilizes a financial model focused on balance sheet strength, and maintains a Financial Stability Rating® “A” Exceptional from Demotech, Inc., ensuring that we will be there to pay all claims despite any economic downturn or changes in the insurance marketplace. Demotech is a leading independent financial analysis firm.


VYRD is committed to redefining protection by seamlessly integrating cutting-edge policy management. Through investment in research and development, we bring you market-leading solutions that not only mitigate losses and enhance claims handling but also offer proactive protection tailored to the Florida lifestyle. Experience a new era of insurance where visionary technology meets preventative care, ensuring your home is safeguarded with unparalleled efficiency.

Letter From The CEO

David M. Howard


David M. Howard

President and CEO

Homeowners across the state of Florida face increasingly frequent and severe threats. Yet the insurance market has been challenged to provide the solutions and protection homeowners need. VYRD understands this challenge and is poised to meet homeowners’ needs with a fresh approach.


VYRD is made up of people like you. We are your neighbors and share your concerns about the safety and security of our homes. We understand the need to know that if the worst happens, your insurance company will be there to make things right.


We also bring deep experience in homeowners insurance and all that comes with it. And we have partnered with the best service providers in the business to offer Floridians better coverage and service at competitive rates.


We are committed to delivering more effective prevention, better protection and a smoother customer experience.



David M. Howard
President and CEO

Our Team

Elizabeth Bevelacqua


Brian D. Bottjer, CPA

Chief Financial Officer

Ian Caruthers

Manager of Agency Support
and Underwriting Operations

Shari Evans

Multimedia Designer / Digital Marketing Manager

Yong Gilroy

Director of Claims

Steve Harding

Managing Director, Operations

Valerie LaTour

Financial Controller

Jesse Rehberg

Product Development
and Data Analytics Manager

Robin Stokes

Claims Litigation Manager

Powered by & Partnering with

Stanley Parsons
CX Insurance Services
Sirius Point
Grant Thornton