UNSPSC 64121508: Homeowners insurance policy

A type of risk management contract that covers an individual residence against damages to the house itself, or to possessions in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

UNSPSC 64121508 Homeowners insurance policy is a Commodity code that sits at the intersection of state and local procurement for insurance brokerage, risk management, and employee benefits administration—a scope far broader than the code's nominal title suggests. The recent opportunities block shows no true homeowners insurance solicitations. Instead, state and local governments are actively procuring insurance brokers and third-party administrators to manage self-funded employee health plans, workers' compensation, stop-loss coverage, dental and vision benefits, life and disability insurance, and comprehensive property and casualty programs. Cities, counties, school districts, and special-purpose districts issue these procurements as Requests for Proposals (RFPs) or Requests for Qualifications (RFQs), typically seeking a single Agent of Record or broker to coordinate multiple lines of coverage, provide risk analysis, negotiate with carriers, and deliver account management and compliance support. The scope reflects a market dominated by mid-sized to large public employers seeking consolidated brokerage relationships rather than traditional homeowners insurance placement.

Issuing bodies span a wide geographic footprint: Florida (City of DeBary, Escambia County, City of Doral, City of New Smyrna Beach, Brevard County, Galveston County in Texas, City of Green Cove Springs, Volusia County), Texas (Northside Independent School District, Fort Bend ISD, City of Fort Worth, Austin ISD, Brazos River Authority, City of Pflugerville, City of San Angelo, Schertz-Cibolo-Universal City ISD, City of Edinburg, Travis County Healthcare District, Metrocare Services), Pennsylvania (Montgomery County), Georgia (City of Lawrenceville, Catoosa County), Kentucky (Louisville/Jefferson County Metro Government), Oregon (Beaverton School District, CIS public entity risk pool), New Mexico (Los Alamos County, Buckman Direct Diversion Board), Arizona (City of Tucson, City of Phoenix), California (County of San Mateo), New York (Rockland County, Nassau County), Illinois, and beyond. Cities and counties dominate the issuing-body mix, followed by independent school districts, public entities, and risk pools. Recent representative opportunities include Escambia County, Florida's procurement for a General Lines Insurance Agent to serve as agent of record for over 2,100 employees with $550 million in total insured value (RFP due October 30, 2026, ITB style); City of Doral's solicitation for an Insurance Broker-Agent of Record with current annual expenditure of $3.56 million and existing portfolio under FMIT, Axis, Allied World, and other carriers (RFP with questions due May 21, 2026, evaluation May 29); Fort Bend ISD's RFP for Stop Loss Insurance (due November 2, 2026); and Northside Independent School District's sealed-bid RFP for Workers' Compensation Third-Party Administration replacing an expiring contract (due October 22, 2026). The code shows sustained activity across employee benefits brokerage, third-party claims administration, pharmacy benefit management, dental and vision plan placement, stop-loss and excess insurance procurement, and risk consulting—virtually all employee-focused rather than homeowner-focused. Geographic concentration is heaviest in Texas, Florida, and California, with strong secondary activity in Georgia, Pennsylvania, and New York. The mismatch between the code's nominal scope and actual procurement activity suggests the taxonomy entry may be miscoded or represents a systemic state-local classification divergence from federal UNSPSC usage; pursue this code only if your firm offers employee benefits brokerage, risk management consulting, or third-party administration services, not homeowners insurance products.