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

ZIP Code Profiles for Underwriting and Marketing To help you focus your underwriting and marketing efforts by geographic area, ISO offers ZIP Code Profiles for several lines of insurance. With information from  ISO's aggregate database, the profiles give you premium and loss experience by ZIP code. With ZIP Code Profiles,...
Advisory Prospective Loss Costs ISO's advisory prospective loss costs are accurate projections of average future claim costs and loss-adjustment expenses — overall and by coverage, class, territory, and other categories. Your company can use ISO's estimates of future loss costs in making independent decisions about the prices you charge for...
ISOnet ® | Forms Library ISOnet ® — the information service for insurance professionals — offers you access to a collection of more than 9,000 personal and commercial forms and endorsements. The Forms Library contains all simplified ISO forms in effect (based on ISO filings) on or after January 1,...
Forms Information Report System (FIRST) To manage your company's policy forms and endorsements — and to ensure compliance with state regulations — you need ISO's Forms Information/Report System (FIRST SM ). Available through ISOnet ® — the information service for insurance professionals — FIRST gives you reports showing the effective...
Circulars on ISOnet ISOnet ® — the information service for insurance professionals — offers you access to all ISO circulars issued since January 1, 1995. Every day, ISO circulars give you vital information on industry developments and ISO activities. Circulars deliver information on ISO filings for loss costs, rules, forms,...
ISO's Actuarial Service Information That Enlightens ISO’s Actuarial Service provides the information you need to enhance your decision making and boost your productivity and profitability. Using ISO’s data to supplement your own experience, you’ll be able to make better-informed decisions about product pricing, marketing, underwriting, reserve adequacy, and reinsurance needs....