Strength you can
count on

VTRO is built on a foundation of trusted partners who bring stability and reach to our program. VTRO is an MGA writing on behalf of a Fortune 100, A.M. Best “A” rated carrier, giving homeowners confidence that their coverage is backed by one of the most established names in insurance.

Trusted Distribution

Available where Californians need it most

Through bolt’s digital platform, VTRO is already accessible to thousands of licensed agents across California. This broad network represents the largest licensed distribution network in California, ensuring that homeowners can work with the professionals they know and trust while gaining access to a modern insurance solution designed for today’s market.

Why It Matters

Bringing innovation and reach together

By combining the strength of a financially strong and established mutual carrier with the reach of bolt’s agent network, VTRO connects Californians to reliable coverage through the agents and channels they rely on. This blend of proven insurance expertise and modern distribution is how we ensure families across the state have access to the protection they deserve.