ISO Risk Analyzer Homeowners

How granular is your pricing data?

With sophisticated predictive modeling and refined by-peril ratings, you can hone your homeowners pricing like never before.

By-peril ratings provide deeper insights

By Peril Ratings

By-peril ratings provide deeper insights

ISO Risk Analyzer® Homeowners uses predictive modeling to examine hundreds of indicators that can affect your risk and predict the non-catastrophe portion of expected losses at the policy level by peril.

Environmental and By-Peril Rating Factors Modules

Lightning Storm

Environmental and By-Peril Rating Factors Modules

The Environmental Module pinpoints risk at the address level, analyzing the interactive effects of hundreds of variables that contribute to expected losses. The perils examined are:

  • Water (weather)
  • Water (non-weather)
  • Liability
  • Fire
  • Wind
  • Theft and Vandalism
  • Lightning
  • Hail
  • Other Property Damage

Additionally, the By-Peril Rating Factor Module provides rating relativities by individual peril for several important homeowners rating factors. Combining the two modules, insurers have increased flexibility and the ability to perform by-peril analysis.

Building Characteristics Module

Exterior Of A House

Building Characteristics Module

Homes in the same rating territory with similar characteristics can have different risk profiles. Analyze property-specific features and construction variables to project refined loss cost relativities by peril and develop more accurate premiums.

*Available through 360Value® replacement cost estimator

Contact Us to Learn More

Other Ways to Connect

We are available Monday through Friday, 7 a.m. — 9 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