Personal Property

We offer a full range of products and services for personal property insurers, including tools for underwriting and rating, location-specific risk assessment, replacement cost estimation, catastrophe management, predictive analytics, application prefill, and policy programs. Our actuarial, underwriting, and consulting services help you manage risk, reduce policy acquisition costs, improve rate classification integrity, and support your growth and retention strategies.

We provide details on past insurance claims filed by policyholders and claims filed at properties you’re considering for underwriting. Our data includes claim reports from more than 1,490 insurance companies — representing more than 95 percent of the industry’s premium volume. We help you maintain insurance to value through the life of a policy. We offer data and analytic tools to help you manage catastrophe risk. You get objective, accurate risk assessments for catastrophe perils threatening every address in the United States.

Our claims management and fraud tools help you manage the property claims process, and our suite of predictive modeling tools helps you classify, segment, and price your homeowners risks. We have tools to help you estimate the cost of structural repairs and personal property, and we provide models that capture how catastrophes affect properties. You can use our data on insured losses to properties affected by catastrophes to improve underwriting, streamline catastrophe planning, and plan for future risks. And we develop policy language and rating and policywriting rules to cover all kinds of personal property risks.

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Products and Services

360Value - Overview 360Value® helps you maintain insurance to value through the life of a policy. With quoting, underwriting, annual renewals, and periodic checks of book of business, 360Value provides component-based replacement cost estimates for the full range of residential, commercial, and agricultural properties. Underinsurance is still a concern for U.S. property insurers. A Verisk…
ISO ClaimSearch® - ISO Claims Solutions ISO ClaimSearch® and integrated solutions for improving claims processing and fighting insurance fraud ISO claims services provide a wide variety of integrated tools to help you at every step of the claims process. ISO's claims-management, analysis, investigations, and support services can help you improve and streamline your workflow and…
LOCATION® Underwriting and Rating Data Download Overview We offer a full range of products and services that provide risk-specific information representing every address in the United States. You can use them at the point of sale, at the portfolio level, and for policy renewals. Our offerings help you make superior underwriting and rating decisions. Building…
FlatCat Flexible, customizable PCS® catastrophe data delivery FlatCat® puts the entire Property Claim Services® (PCS®) catastrophe-history database right at your fingertips. It offers you a flexible delivery method that gives you fast, easy access to severe weather and catastrophe incident information from as far back as 1950. You can customize,…
A-PLUS Property - Innovative Loss History Solutions Enable more accurate underwriting and rating at point of quote It’s no longer necessary to make the trade-off between ordering loss history reports at bind to save money and providing a positive customer experience. With A-PLUS, which draws from one of the most comprehensive databases in the industry,…
Determining homeowners risk, peril by peril ISO Risk Analyzer® Homeowners is a powerful analytic tool that uses predictive modeling to examine hundreds of indicators that can affect your homeowners risks and predict the noncatastrophe portion of expected losses at the policy level by peril. ISO Risk Analyzer Homeowners currently offers:…
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