Personal Property Insurance Solutions
Risk Selection and Underwriting

Complex risks, customer demands, and a fast-paced market call for rich data, powerful analytics, and advanced InsurTech platforms to drive underwriting discipline.

Master the risk—and the clock

Accurate risk selection, classification, and segmentation can unlock profitability. But getting it right doesn’t have to slow you or your personal property customers down.

The granular data you need

Get multilayered, insurance-ready personal property data and analytics to drive smart decisions.

The speed your buyers want

Bring more personal property leads to bind with automated purchasing that boosts conversion rates and customer satisfaction.

The results that strengthen your bottom line

Start and stay profitable with personal property solutions that support you and your customers from point of sale through renewal.

Maximize actionable underwriting data at bind and renewal

Evaluating property risk is increasingly complex and data-intensive. You can simplify workflows and accelerate underwriting and rating with one consolidated, wide-ranging, continually updated source.

Maximize actionable underwriting data at bind and renewal

Person Reviewing Documents In Home Office

Open up a full and versatile toolbox

Equip your underwriters to assess risk confidently on every level—and help your customers protect their most important investments.

Replacement cost estimates for personal property

Keep homeowners better protected with replacement cost estimates built on real-world claims and multisource data.

Learn about 360Value for Personal Property

Address-level risk data and information

Get risk-specific, address-level information for every property in your book of business.

Learn about LOCATION

Property condition

Know the health and age of a structure’s major systems to support accurate risk assessment.

Learn about Property History Solutions

Ownership and occupancy

Leverage ownership and occupancy data to help uncover hidden risk.

Learn about Homeowner Data

Loss history innovations

Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.

Learn about A-PLUS

Roof age

Assess the age of a structure’s roof using deep industry experience and advanced data science.

Learn about Roof Age

Inspection and data verification tools

Use virtual inspection capability to efficiently gather and confirm critical information.

Learn about OneXperience for Personal Property

High-resolution aerial imagery

Uncover risks and bring application data to life with high-resolution aerial imagery.

Learn about Aerial Imagery Analytics

Rating intelligence tools

Refine pricing and segmentation with the predictive power of hundreds of attributes and environmental factors.

Learn about ISO Risk Analyzer

Property change events

Tap the profit potential in renewals with timely data that overlays property and homeowner changes.

Learn about Change Detection

Straight-through processing for homeowners

Pull critical homeowner underwriting data forward with a configurable solution.

Learn about LightSpeed for Homeowners

Verisk is ahead of the curve in offering data to its insurer customers in novel ways that allow us to generate new value for the insurance consumer. By embedding high-quality risk data deeply within our underwriting, we can deliver on the vision of a better experience for the modern insurance buyer.

Read the press release

Steve Lekas

Branch

Co-founder and Chief Executive Officer

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.

Read the press release

David Howard

VYRD

Chief Executive Officer

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.

Read the press release

Donny Kaneshiro

Mountain West

Vice President of Operations and Underwriting

Flexible integration options connect insurers to a vast array of proprietary data and underwriting analytics for quote prefill and scalable underwriting.

Learn about Personal Property Delivery Solutions

Related resources

Resources

Personal Property Resources

Explore the latest news and developments in the personal property insurance market.

Visit the Resource Center

Report

Maximize actionable underwriting data at bind and renewal

Evaluating property risk is increasingly complex and data-intensive. You can simplify workflows and accelerate underwriting and rating with a consolidated, wide-ranging, continually updated source.

Download the brochure

Brochure

Quickly integrate and connect to the Verisk ecosystem

Integrating new data sources and technology can demand significant IT resources and time. Verisk backs its underwriting data solutions with a robust, flexible architecture to deliver near-instantaneous information when insurers need it.

Download the brochure

Track The Latest Changes To Reconstruction Costs

Report

Verisk Reconstruction Cost Analysis

Download the report for an indication of how 360Value replacement cost estimates may change at the national and state levels for the current quarter.

Download the report

White paper

The Life Cycle of a Property

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 white paper

Wildfire And Smoke Behind Neighborhood Homes

Report

Verisk Wildfire Risk Report 2024

Get a clear picture of wildfire risks across the U.S. with Verisk’s detailed state-specific reports. Discover essential insights on threat levels, exposure, historical impacts, and costs to support informed risk management and resilience planning.

Download the report

Contact us to learn more

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

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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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Personal Property Insurance Solutions Risk Selection and Underwriting

Master the risk—and the clock

The granular data you need

The speed your buyers want

The results that strengthen your bottom line

Maximize actionable underwriting data at bind and renewal

Maximize actionable underwriting data at bind and renewal

Open up a full and versatile toolbox

Replacement cost estimates for personal property

Address-level risk data and information

Property condition

Ownership and occupancy

Loss history innovations

Roof age

Inspection and data verification tools

High-resolution aerial imagery

Rating intelligence tools

Property change events

Straight-through processing for homeowners

Steve Lekas

David Howard

Donny Kaneshiro

Related resources

Personal Property Resources

Maximize actionable underwriting data at bind and renewal

Quickly integrate and connect to the Verisk ecosystem

Verisk Reconstruction Cost Analysis

The Life Cycle of a Property

Verisk Wildfire Risk Report 2024

Contact us to learn more

Chat now

Main toll-free:

Global toll-free:

Personal Property Insurance Solutions
Risk Selection and Underwriting