Access unique data on a property’s interior and exterior, only available from Home Factors

See How it Works
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Our Data Difference

Built using exclusive property-level data, Home Factors delivers standardized property scores across more than 90 percent of U.S. homes.

Each score focuses on a single area of exposure, such as water intrusion, electrical capacity, foundation condition, roof lifespan, plumbing materials, or other structural and mechanical risks. Together, these scores represent distinct dimensions of property-level risk that have only recently become available to carriers at scale.

How Home Factors Works

Home Factors integrates proprietary data generated through AI-driven modeling with real-world inputs and industry-leading machine learning methods to provide advanced predictive insights into property conditions to better assess risk.

Data Foundation
Data Quality
Model Validation & Quality Control
Testing
Use

Built on verified property data

Home Factors starts with what is known to be true about homes.

  • Home inspection data
  • Permit and tax assessor data
  • PGM property and consumer data
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Turning raw data into usable inputs

Property data is transformed into structured, consistent attributes.

  • Rescoring quarterly to ensure inputs and model outputs remain current
  • Standardized and disciplined — decades of experience allow data sources to be treated consistently and reliably
  • Analyzed for broad geographic coverage to ensure data is representative across states
  • Widely available across the U.S.
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Built for consistency and trust

Every Home Factor is tested before it is deployed.

  • Built using industry-standard gradient-boosted tree models
  • Peer reviewed by domain experts, including Milliman
  • On track to file with Texas Department of Insurance
  • Model versions are rigorously quality controlled and stable
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Impact is validated before deployment

  • Initial material testing services available
  • Choice of us PGM-led testing or you testing against your book of business
  • Recommendation of Home Factor combinations of HFs for maximum material impact
  • Discussion of delivery methods that best fit your use case
photo of a damaged window frame

Implementation Options

  • Pass through to carrier systems
  • Prefill data for underwriting workflows
  • Underwriting support

Applications

  • Transparent, explainable models for technical credibility
  • Sales enablement reference for technical questions
  • Underwriting support (non‑rating)
  • Eligibility guideline support (not outside of filed pricing)
  • Manual review and routing (e.g., green–yellow–red workflows)
  • Limited straight‑through processing
  • Risk use cases (excluding claims‑correlated risk modeling)
  • Carrier‑defined heuristic risk thresholds
  • Encoding carrier‑specific rules/indicators
  • Book of business auditing and monitoring
  • Growth and market expansion targeting
  • Portfolio‑specific precision‑focused risk mitigation
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See how property data from Home Factors can help you write policies more effectively

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