CEO
The Homeowners Reciprocal Exchange (THORE)
Johnathan Yazdani is a seasoned insurance executive, attorney, and entrepreneur with a track record of innovation and leadership in the insurance sector. He is the Co-Founder of The Homeowners Reciprocal Exchange and Chief Executive Officer of THORE Underwriters, LLC, a Managing General Agent dedicated to transforming homeowners insurance through technology, transparency, and policyholder alignment in the State of Texas.
With more than a decade of experience at American Risk Insurance Company, Johnathan has led underwriting, reinsurance, and claims operations, while developing a deep understanding of enterprise risk management. His unique ability to bridge legal expertise with operational excellence enables him to design innovative insurance solutions.
A licensed patent attorney, Johnathan holds both an engineering degree and a law degree, bringing a rare analytical perspective to the complex challenges of modern insurance. He has secured over $11 million in funding to launch a next-generation reciprocal exchange and continues to serve as a strategic leader and trusted advisor in the tech enabled insurance space.
Johnathan’s leadership style is rooted in integrity, collaboration, and an unrelenting drive to improve the customer experience. Whether navigating the complexities of regulatory compliance or spearheading new product development, he is recognized for his clarity of vision and ability to execute.
High insurance premiums for the average Texas home are approaching crisis levels. Among the reasons for the dramatic surge in costs: the impact of high inflation on the pricing of building supplies and extreme climate change and weather events that are increasing in frequency and severity in Texas, as well as across the country. The state-created insurer of last resort, the Texas Fair Plan, is of very little help with its equally high premiums. What does this mean for communities across the state—and, by implication, for communities across the country—and how is it impacting the muni market?