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360Value for Personal Property

Meet evolving customer expectations, while maintaining rating integrity

Replacement costs can fluctuate for properties you insure when homeowners make improvements and building material prices rise and fall. 360Value® delivers reliable component-based, claims-driven replacement cost estimates to help keep policyholders protected.

Shifting trends for a fuller picture of reconstruction cost growth

Changes In Action

In a time of shifting percentages, growing inflationary pressures, and record-breaking peaks in material composites, reconstruction cost prices have taken a rollercoaster ride.

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Get reliable replacement costs for every property in your portfolio

Underwriting To Policy Renewal

Get reliable replacement costs for every property in your portfolio

From underwriting to policy renewal, 360Value generates reliable replacement cost estimates for properties you insure. We account for the costs to fully reconstruct a property—down to the screws and nails.

Track the latest changes to reconstruction costs

360value Quarterly Reconstruction

Reconstruction costs can change at different rates across time and location—and can be very localized. Each quarter, Verisk reports reconstruction cost data and trends at the national and state levels.

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Estimate replacement costs for diverse structure types

360value Luxury Homes

Capture luxury home reconstruction costs to the last custom detail

Deep data resources on labor and materials costs – integrated into underwriting workflows – are critical when reconstruction calls for high-end materials and specialized skills.

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Manufactured Home

Get a more complete picture of a manufactured/ mobile home

Make, model, age, location, and additional attached or detached structures can quickly complicate the calculation.

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360value Condos

Condominium valuations from a leader in replacement cost estimates

Insuring condominium units with only lender requirements or square footage can pose a challenge for replacement cost estimation.

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Five strategies for better replacement cost estimates

Itv Alignment

Five strategies for better replacement cost estimates

As a leader in replacement cost estimation for more than 20 years, fueled by a strong connection to claims-based data, Verisk recommends five strategies to help avoid outdated valuations that could leave insurers and their customers vulnerable in the event of a total loss.

Replacement cost estimates grounded in actual claims experience

 

Replacement cost estimates grounded in actual claims experience

With 360Value, your replacement cost estimates can accurately reflect real-world prices for labor and materials, based on extensive research, direct data feeds, claims analyses, and communication with 92,000 claims and building contractors.

The Lifecycle of a Property

Lifecycle Of A Property

The Lifecycle of a Property

Discovering property change events helps insurers obtain a clearer view of their portfolio to help focus on profitability, maintain underwriting standards, focus on new business growth, and help homeowners protect their investments with adequate coverage.

Integrating 360Value into your workflow

Integrating 360value

Integrating 360Value into your workflow

From device-agnostic quoting to back-end processes in policy management and underwriting systems, 360Value integration options can deliver reconstruction cost estimates tailored to your business and IT needs.

Responding to growing catastrophe threats

Wildfire

Fuel to the flame

Verisk analyzes an expanding array of factors to gain deeper understanding of wildfire, including mitigation considerations.

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Lightning Storm

Understanding evolving hail risk

Learn about the impacts of hail activity in new regions, the possible near-term effects of climate change, and how increased hail activity may affect roof replacement.

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Marshall Fire

Building property risk profiles from a data ecosystem

The aftermath of the Marshall Fire in Boulder County, Colorado, highlights the importance of complementary datasets. Insurers can gain a comprehensive view of property risk, from all angles.

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Prefill data to accelerate personal property underwriting

Prefill Data Personal Property

Prefill data to accelerate personal property underwriting

Use a multisource property prefill database that analyzes diverse data sources to identify the most reliable information per characteristic.​

Leverage pre-built integrations with multiple policy administration systems. Partnerships and accelerators can help support easy and seamless workflows.

Additional insights

Q1 Quarterly Report 23

As increases slow, reconstruction costs show signs of stabilizing

Total reconstruction costs, including materials and labor, increased 6.8% from January 2022 to January 2023, a drop from the last quarter.

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Underinsurance Report Teaser

Keeping pulse: Tracking the latest price surges to maintain ITV

Verisk data shows the cost to rebuild a property is still more than 11 percent higher, on average, than it was pre-pandemic.

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360value Reconstruction Teaser

Hurricane Ian and other pressures drive uptick in reconstruction costs

Total reconstruction costs, including materials and retail labor, increased by 9.3% from October 2021 to October 2022.

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Contact Us to Learn More

Other Ways to Connect

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

  • Chat Now

    Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

  • Main Toll-Free: 1-800-888-4476

  • Global Toll-Free: International Access code, then 800 48977489
    When calling from the UK, please dial 00 800 4897 7489

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