See property risk more clearly, inside and out

Home Factors starts with real property data, including proprietary details about the inside of the home that are not available elsewhere, and using sophisticated modeling techniques, creates property-level insight at national scale.

Explore the data, modeling, and validation behind Home Factors

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Scores modeled from millions of observed property records

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Covers interior conditions and structural characteristics

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Supports underwriting, inspection prioritization, and renewal risk decisions

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Continuously validated and perfected

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U.S. Home Coverage

Standardized property scores with national scale

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ROI

Driven by more precise risk selection and optimized inspection programs

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Risk Factors

Each score represents a specific condition or characteristic, from water intrusion to electrical panel rating

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Properties Scored

Consistent, property-level visibility across the market

90+ unique Home Factor categories for risk management

  • Water intrusion: general & location
  • Window condition and skylight presence
  • Piping (inlet and outlet) material
  • Water heater type, capacity & location
  • Electrical panel(s) capacity, location & condition
  • Roof condition, material & lifespan
  • Electrical system condition
  • Sump pump & condition
  • Fire suppression system presence
  • Foundation type & condition
  • Swimming pool presence
  • Many more factors coming soon
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Expert Perspectives on Property Intelligence and Risk

Property Perspectives is your home for in-depth videos, articles, research, and more from our industry experts.

Latest Article

New Home Factors Deliver Deeper Property Intelligence

By Sarah Osborne
Head of Sales

Data-driven insurance solutions only available from Home Factors

Underwriting

Unique interior and exterior property data solutions to improve insurance rating and risk models

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Quoting

Transform quoting and risk assessment with actionable property insights

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Lead Segmentation/Routing

Optimize lead management for smarter segmentation and higher close rates

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Insurance Inspections

Streamline inspection data processing and optimize lead management with Inspection Reader

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Customer Acquisition

Data-driven insights to identify and engage potential policyholders at the right time

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Customer Retention

Retain your customers with insight into the home and your customer’s lives

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Learn how Home Factors can transform your policy writing today