Assurant is a specialty insurance and protection company that operates as a B2B2C business — selling products to consumers through partnerships with major brands rather than directly. The company focuses on protecting three categories of consumer assets: connected devices, automobiles, and homes. In connected living, Assurant partners with mobile carriers like T-Mobile and Verizon, OEMs, cable operators, and retailers to provide device protection programs — insurance and extended service contracts on smartphones and consumer electronics. Beyond protection plans, Assurant runs end-to-end device lifecycle services including repair through ~1,150 locations, trade-in processing, refurbishment, and resale of used devices, protecting over 66 million devices globally. In automotive, Assurant partners with auto dealers, OEMs, and lenders to sell vehicle service contracts and ancillary products like GAP insurance, protecting approximately 57 million vehicles. In housing, Assurant's core product is lender-placed insurance — when a mortgaged homeowner lets their homeowners policy lapse, Assurant automatically steps in to provide coverage, driven by proprietary tracking systems integrated with mortgage servicers. Assurant holds dominant U.S. market share in lender-placed homeowners insurance. Assurant also provides renters insurance through property management companies. The company earns premiums and fees across these lines, with many lifestyle programs structured so that Assurant shares underwriting risk with partners through reinsurance or profit-sharing arrangements. Assurant is expanding into home warranties through a partnership with Compass International Holdings.