We do not have the ability to gather information about the interior of the home.
Director of Underwriting
Gathering property data for the home interior from the consumer is difficult.
AVP, Underwriting Manager
Structured interior data would be a gold mine!
VP, Consumer & Home Lending
porch home factors logo

Introducing a new way to improve rating and risk models, only available from Porch.

Derived from Porch’s unique insights into nearly all U.S. residential homes, Home Factors allows insurance carriers to underwrite risk factors and more effectively price homeowners’ policies. Available factors include roofing, plumbing, electrical, and foundation conditions that are not readily available in the market today. Purchase all or a subset of Home Factors, and access all of your data through an easy-to-use API.

Available Home Factor Categories

  • Type of piping
  • Roof type and defects
  • Age and type of appliances
  • Hot water heater location
  • Status of electrical systems and defects
  • Plumbing system leak risks
  • Foundation type and defects
  • Type of flooring
  • Window quality and replacement risk
  • Type and age of HVAC system

+ many more factors coming soon

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Case Study: Homeowners of America

Using Home Factors in pricing and underwriting
15-20% improvement in the Gini coefficient
Now a top decile performer in terms of gross loss ratios
We have been using the Home Factors data in our underwriting and pricing over the last 2 years and it is conclusive that this data has been able to substantially improve our modeling and risk accuracy. The data is easy to access and incorporate into our modeling.
Donte Riddick, Vice President & Chief Actuary at Homeowners of America