What is Lumenbo?

Lumenbo is an insurance matching platform that connects people with one licensed local independent agency — and the software those agencies run on.

Lumenbo is not an insurance carrier and not an insurance agency. We match you with one licensed local independent agency, and that agency's own licensed agent advises you and stays your point of contact.

Why we exist

Getting insurance quotes online usually means one of two things: a form that sells your phone number to eight agencies, or a chatbot that hands you a price with nobody behind it. Both treat you as a lead. Neither gives you someone who knows your street, your carrier options, and what actually happens when you file a claim.

Lumenbo does the opposite. You tell us about your home, your vehicles, or your business once. We work out what you need and route it to ONE licensed local independent agent who writes that kind of coverage — and that's where it stops. Your details are never shared with competing agencies, never resold, and never turned into ten phone calls.

How the match works

1. You tell us about you. Address, vehicles, business — whatever the coverage needs. We look up what we can (property records, vehicle details, your current declarations page) so you type as little as possible.
2. We match you to one agent. A licensed local independent agent, chosen for the lines you need and the state you're in.
3. They take it from there. The agent quotes across their carriers, advises you, and stays your point of contact — at renewal, at a claim, when you buy a car at 6pm on a Friday.

Independent, and local, on purpose

An independent agency isn't tied to one carrier, so it can shop several and tell you the truth about the trade-offs. A local one knows what your county does to a home premium and which carriers actually pay. Technology should collect the details and do the paperwork. A person should give the advice.

The software side

The same platform that matches you runs inside the agency you're matched with — intake, pipeline, follow-up, renewals, and carrier paperwork in one place. That's why the process feels different: your agent isn't rebuilding your file from a voicemail. If you run an independent agency, that side of Lumenbo lives at Lumenbo for agencies.

Where we work

Tennessee and Georgia today, with the surrounding Southeast next.

Frequently asked

What is Lumenbo?

Lumenbo is an insurance matching platform that connects people with one licensed local independent agency — and the software those agencies run on.

Is Lumenbo an insurance company or an insurance agency?

Lumenbo is not an insurance carrier and not an insurance agency. We match you with one licensed local independent agency, and that agency's own licensed agent advises you and stays your point of contact.

How does Lumenbo match me with an agent?

You tell us about your home, vehicles, or business once. Lumenbo routes that to a single licensed local agent who writes your kind of coverage — not to a lead marketplace. Your details are never shared with competing agencies and never resold.

Does Lumenbo only cover NEMT and paratransit businesses?

No. Lumenbo matches people and businesses for home, auto, and business insurance. Non-emergency medical transportation is one commercial niche we publish detailed guides about — it is not the limit of what we do.

Where does Lumenbo operate?

Lumenbo works with independent agencies in Tennessee and Georgia today, with the surrounding Southeast next.

What does Lumenbo cost?

Nothing. Getting matched and quoted through Lumenbo is free — you pay only the insurance premium, and only if you decide to buy.

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