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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.

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than 20 years, fueled by a strong connection to claims-based data, Verisk recommends five strategies to help avoid outdated valuations that could leave insurers and their customers vulnerable in the event of a total loss.

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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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.

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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A detailed view of property risk for the increasing wildfire peril

Wildfire Risk In 2021

A detailed view of property risk for the increasing wildfire peril

As wildfires 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.

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 a growing hail threat with current replacement data

Hail Storm Over Fields 1

Responding to a growing hail threat with current replacement data

Hail is affecting more properties over a wider area than the traditional “hail alley.” As a roof’s condition declines, replacement is often the next step.  The cost can change significantly over time, based on local material and labor costs.

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

Inside Data

Stay ahead of volatile replacement costs to support insurance-to-value

Enhance ITV at bind and renewal with 360Value for Commercial Property, which includes monthly price updates based on localized claims.

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Reconstruction Cost Value

Reconstruction cost rise slows—but from historic peaks

Verisk's 360Value Quarterly Reconstruction Cost Analysis shows materials and labor prices rose 3 percent from July 2021 to July 2022.

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Comic Lifecycle

Keeping up with home improvements—and insurance to value

Knowing when a property has been updated is critical, as these changes can add new liability risks and insurance-to-value considerations.

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Contact Us to Learn More

Other Ways to Connect

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    When calling from the UK, please dial 00 800 4897 7489

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