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 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
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
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