Homeowners Coverage
CAPE® enables smarter coverage decisions for carriers of all sizes.
Match homeowners coverage to risk.
CAPE provides objective roof condition, takes the guesswork out of roof age, and verifies whether a property has been damaged by hail.
CAPE Property Intelligence opens up profitable coverage options:
- 01 Add coverage to address overlooked exposures, including solar panels, pools, and trampolines.
- 02 Offer “bells and whistles” coverage for new roofs and roofs in great condition with no damage.
- 03 Provide coverage more appropriate to the roof’s actual age, condition, and hail experience.
CAPE enables carriers and managing general agents to enhance coverage for homes in excellent condition and offer appropriate coverage for poor condition.
New Business
Offer full replacement cost coverage, or lower deductibles, for homes with good or excellent roof condition to win and retain customers.
Renewal Management
Support profitability by offering suitable coverage or higher deductibles for homes with poor or severe roof condition.
Accurate Square Footage
Use improved living area estimates to offer more accurate Coverage A and support adequate premiums.
Changes in Risk
Detect roof replacement and identify new hazards that trigger the need for additional coverage, including solar panels, pools, and trampolines.
Learn more about how homeowners carriers use CAPE to make the right coverage decisions.
Proven Results
By adding coverage without increasing loss ratios, carriers have achieved up to five points (5%) of profitable growth with no increase in loss ratio in a given state.
A carrier offered full replacement coverage to enhance the retention of less risky homes.
A carrier detected thousands of new pools across their book of business, resulting in right-sizing coverage and related premiums across many policies.
Coverage Timeline
CAPE Property Intelligence supports smarter coverage decisions over time.
Tomorrow
Inform decisions you’re already making—provide the same coverage while achieving better outcomes.
Next Month
Upgrade coverage to attract more high-quality business, e.g., upgrade from ACV to full replacement value.
Next Quarter
Offer new coverage with confidence that it will perform well, e.g., hail coverage.
Match coverage to risk using CAPE Property Intelligence.
CAPE delivers data points and scoring that improve risk assessment to support smarter coverage decisions.