IRMAstokes-systems.com
•[TX / LIVE]
TEASER PREVIEWExecutive headlines and top-line market pulse only. Named agency reads, carrier narratives, and case studies are subscriber-only.
TEXAS DISTRIBUTION INTELLIGENCE — TEASER BRIEFAPRIL 13 – APRIL 19, 202619 APR 2026
← ALL BRIEFS

The week the Farmers/Foremost bifurcation hit week two — and Kemper started looking like an exit.

•EXECUTIVE READ4 SIGNALS
01Farmers / Foremost added 39 net Texas agency appointments this week with zero removes — identical to the April 6–12 net. Two consecutive weeks at +39 confirms a deliberate, multi-week distribution rebuild on Foremost specialty paper while Farmers Property and Casualty TX remains -30% YoY. Foremost County Mutual is now $559M TX DWP at +43.3% YoY; Foremost Insurance Co Grand Rapids is at $142M and +53.6%.
02Four Travelers-anchored independents lost a combined ~74 P&C appointments in five business days — Highpoint (Friendswood, 17y, mid-market, 7 producers), Donna Frazier (Taylor, 15y), Steward Risk (San Antonio, 6y), Bradley (Plano, 12y) — in the same week Travelers itself net-added agencies on three separate snapshots. The carrier is reshuffling, not retreating; the four named shops are this week's cleanest book-replacement leads.
03Kemper appears to be exiting Texas P&C, not pruning it. Unitrin Preferred / Unitrin Safeguard lost appointments at 11 agencies on April 17 (-76% YoY DWP at $4M), then three more on April 18 with the affected entity's 2025 TX DWP collapsing to roughly zero. Consistent with Kemper's publicly signaled 2024 runoff of preferred home and auto.
04Homeowners of America (paired with Porch Insurance Reciprocal Exchange) added agencies on four straight snapshots — 11, 6, 12, 8 — for 37 new appointments in five days. Largest non-Foremost carrier-side build of the week. TX DWP $330M, stable YoY.
MARKET PULSE
MetricThis Week
DAILY DIFFS COVERED7
P&C APPOINTMENT CHANGES (TX)644
AGENCIES WITH P&C MOVEMENT~1185
P&C CARRIER BLOCK ACTIONS5
CARRIER REDISTRIBUTION PATTERNS1

SOURCE: TDI SOCRATA API // P&C ONLY

THE NUMBER
+39
Net new Farmers / Foremost Texas agency appointments — the same number as April 6–12, with zero removes either week

Two consecutive weeks at +39 with no offsetting contraction is no longer a one-off bet. Foremost County Mutual is +43% YoY at $559M; Foremost Insurance Co Grand Rapids is +53% at $142M. The parent's flagship Farmers Property and Casualty book remains down 30%. One holding company is running a deliberate, multi-week, non-coincidental distribution rebuild on its specialty paper while the standard paper continues to shed agencies (Fernando Lopez in Pasadena, this week, is the agency-side mirror image — 13 Farmers-only appointments lost on the same snapshot Foremost added 20 elsewhere). The next Page 14 filing is the test.

CARRIER MOVEMENT — TOP 5DIRECTION ONLY // BUYER READS SUBSCRIBER-ONLY
Carrier FamilyAddedRemovedDirection
Farmers / Foremost (Zurich)390▲ EXPANDING
Homeowners of America (Porch)370▲ EXPANDING
Travelers188— FLAT
Liberty Mutual138— FLAT
Kemper (Unitrin)014— FLAT
Redpoint County Mutual06— FLAT
Progressive120— FLAT
WATCHING NEXT WEEK
  • ›Whether Highpoint Insurance Group reappears with non-Liberty appointments in the next two snapshots — the highest-value follow-up in this brief.
  • ›Whether the JNC + four April 17 cluster (JNC, Prairie, Complete Coverage, Endeavor, Axe) keep adding Foremost paper, which would mark them as designated regional outlets rather than new producer relationships.
  • ›Kemper exit cadence — if another five-plus agencies lose Unitrin appointments in the next two snapshots, the runoff is mid-execution and the replacement window is tighter than six months.
  • ›Whether the Donna Frazier principal of record still holds an active Texas resident license — a license lapse would make this a personal event, not a commercial one.

5 high-interest events identified this week, plus 4 carrier-level narratives with buyer reads — available in the full subscriber brief.

Seven daily diffs (April 13–19, runs 317, 318, 319, 352, 353, 354, 355) from the Texas Department of Insurance Socrata API. 644 P&C appointment events. Distinct-agency count (1,185) is the sum of per-snapshot pair-strip agency counts from the daily pipeline log across the seven diffs (no batch-housekeeping days excluded this week). Carrier entities collapsed into families. Premium context from TDI Page 14 (2024). Phone numbers, filed addresses, named principals, and named buyer reads available in the subscriber edition. [TDI]

Request a Sample BriefContact