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

Only Available from Porch

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Need hard-to-find data on the interior of a home to improve your rating and risk models?

Leverage exclusive insights into a property’s interior and exterior, only available from Porch.

Derived from Porch’s unique insights on 90+% of all U.S. residential homes, Home Factors empowers you to more accurately underwrite risk factors and price homeowners’ policies more effectively.

Available Home Factor Categories

  • Type of Piping
  • Plumbing System Leak Risks
  • Age & Type of Appliances
  • Foundation Type & Defects
  • Window Quality & Replacement Risk
  • Roof Type & Defects
  • Water Heater Location
  • Status of Electrical Systems & Defects
  • Type of Flooring
  • Type & 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