Introducing PICA, a New Design on Property Insurance
- William Savoie
- Dec 15, 2025
- 1 min read
Property Insurance Company of America (PICA) is a property and casualty insurer based in Pass Christian, Mississippi. The company was incorporated in 2020 and is led by President and CEO Robert “Ned” Dolese, who previously founded Coastal American Insurance Company. PICA’s line of commercial and homeowners insurance products differ from the competition in that we are the only insurance company which allows our customers to choose how much insurance they would like to buy as opposed to agreeing to a preselected amount. Our offerings are presented as simple and easy to understand insurance solutions courtesy of our excellent team of underwriters. PICA is currently operational in Mississippi, Alabama, and South Carolina for homeowners coverage and just released a new commercial lines product in Louisiana, with plans to continue its expansion across the United States in 2026.
Great post on PICA! It’s refreshing to see a fresh design approach to property insurance, as the industry often feels stuck in the past. Streamlining coverage is exactly what policyholders need right now to simplify complex portfolios. However, I hope this new structure eventually addresses the broader financial picture for business owners. Many of us are still juggling rising operational expenses, and frankly, the current commercial auto insurance cost remains a major pain point. If PICA’s innovative model can help stabilize or reduce those overheads, it will definitely be a game-changer. Looking forward to seeing how this evolves!
This introduction to PICA highlights a fresh, customer-focused approach to property insurance, emphasizing flexibility and simplicity. For anyone navigating fast decisions—similar to how fast property buyers act—having clear options and responsive service is invaluable. It’s encouraging to see an insurer prioritizing transparency and adaptability in a complex market.