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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.

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. The solution accounts for the costs to fully reconstruct a property—down to the screws and nails.

The component-based approach is:

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

Explore monthly building cost changes

Explore Monthly Building

Explore monthly building cost changes

Offering monthly pricing updates to help soften spikes amid inflationary pressures and cost peaks. Smaller changes mean greater alignment/protection with market prices

Pinpoint localized replacement cost estimates

Pinpoint Localized

Pinpoint localized replacement cost estimates

Verisk includes material and labor costs in 431 geographic regions in the US and several other cost components at the Zip Code level when applicable, including architect fees, permit fees, and sales tax, all of which have a significant impact on RCEs. 

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.

Download the report

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.

Download the brochure
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.

Download the brochure
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.

Download the brochure

Five strategies for better replacement cost estimates

Itv Alignment 2

As a leader in replacement cost estimation for more than 20 years, Verisk recommends five strategies to help avoid outdated valuations that could leave insurers and their customers vulnerable in the event of a total loss.

Download the Underinsurance report

Estimating Personal Property contents

Insurtech Teaser 1

Estimating Personal Property contents

Policyholders may be reluctant to make a detailed list of their possessions and they often don’t have the expertise to decide how much coverage they need. Using the same 360Value technology and replacement costs, Verisk now offers the Personal Property Calculator to estimate the value of items within the structure.

Respond to a growing peril threat with current replacement data

Weather Elements 2

Natural hazard s natural hazards grow in frequency and severity, so does the value of data ecosystems to deliver a comprehensive view of property risk, from address-level exposure to granular, up-to-date reconstruction cost estimates.

Explore ice, fire, wind, and water

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.​

Uncover property changes and hidden risks to support insurance to value

Lifecycle Property Casestudy

A greater understanding of risk – or the lifecycle of a property – in an insurer’s book is crucial to help guide profitable growth.

Download the Life Cycle of a Property

What our customers are saying

The simplicity of 360Value saves our agents time by dependably prefilling more accurate underwriting information when evaluating a risk, whether it’s related to a home, commercial premises or agricultural property.

  • Donny Kaneshiro
  • Vice president of operations and underwriting at Mountain West

Verisk provides the cutting-edge, InsurTech solutions we need to maintain our policyholder-first mentality as we aim to set the new standard in home protection in an increasingly complex and challenging market.

  • David Howard
  • Chief executive officer of VYRD

These solutions help us build upon a solid and substantial foundation, enhancing our ability to bring tailored coverage options to homeowners across the United States.

  • Ty Harris
  • Chief executive officer and co-founder of Openly

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 1 1

Mild reconstruction cost rise signals stabilizing market

Total reconstruction costs increased 5.1% from October 2022 to 2023. This uptick follows the 4.3% increase from July 2022 to July 2023.

Read the article
Construction Site Teaser

Exploring a future look at reconstruction cost trends

To help insurers navigate the increasing complexity in the market, Verisk has developed the Market Expectations Index for 360Value.

Read the article
Main Itv

Maintain ITV in a volatile market with property-level insights

Insurers must explore changes affecting their risk portfolio and leverage component- and property-level insights to help them maintain ITV.

Read the article

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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