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 Underwri...
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 increase service, productivity, and profitability.
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.
There are times when you need very specific research to evaluate a strategy, market, or new business direction. When you don't have the resources available on staff, ISO can help by gathering, evaluating, and reporting on trends and developments in the marketplace — and gauging their effects on your current or potential business. We'll draw on the same databases, expertise, and other ISO resources that underlie the acclaimed ISO Insurance Issues Series studies.
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.
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, 1994. The library also contains a collection of policywriting support forms that can help you satisfy legal requirements and administer your insurance programs.