Clearer risk insight for residential property insurers
In residential property insurance, the quality of insight drives pricing accuracy, underwriting strength, and control of claims and fraud. Static checks and disconnected signals miss critical patterns, increasing the risk of mispricing and unexpected loss.
Percayso Inform’s Home Intelligence delivers blended behavioural, bureau, property, and policy insight, giving you a richer, more contextualised view of risk and customer behaviour that improves decisions across the household insurance lifecycle.
“We see this partnership with Percayso as a valuable addition to what we deliver”.
Why Home Intelligence matters
Traditional approaches often rely on snapshot views of individual data points, which can miss trends and inconsistencies that matter most in residential risk assessment.
Home Intelligence goes beyond isolated signals to reveal patterns and indicators that support better pricing, underwriting, fraud detection, and retention.
With deeper, blended insight, you can:
Understand risk beyond basic attributes
Detect anomalies before they translate into loss
Price with greater confidence and fairness
Strengthen underwriting decisions with richer context
How it works
Home Intelligence synthesises multiple data sources, including bureau behaviour, enriched customer profiles, policy performance, and property-relevant indicators, into a unified, actionable perspective.
Rather than presenting isolated values, it reveals patterns, trends, and derived signals that help teams distinguish between genuine risk variation and noise.
By evaluating behavioural, financial, and historical signals together, Home Intelligence supports more nuanced decisions across quoting, underwriting, claims, and renewals.
Key benefits
Better pricing accuracy
Blended signals reveal risk patterns that static checks miss, enabling fairer, more profitable pricing.
Stronger underwriting decisions
Richer behavioural and financial insight helps underwriters differentiate between acceptable and high-risk opportunities.
Improved fraud detection
Reveal anomalies and inconsistent behaviour early in the process to reduce fraudulent claims and misrepresentation.
Reduced claims leakage
By combining policy history, behavioural signals, and contextual data, you can control claim costs and reduce leakage across the household book.
Enhanced customer retention
Fairer pricing and faster, more consistent decisions strengthen customer trust and improve loyalty.
What Home Intelligence delivers
Home Intelligence applies multiple layers of insight across the residential property lifecycle, from quote to claim and transforms them into signals that are:
Consistent
Standardised across sources and ready for operational use.
Explainable
Transparent outputs designed to support governance and audit.
Actionable
Delivered in a form that pricing engines, underwriting tools, and claims workflows can consume directly.
Scalable
Capable of handling large portfolios with low latency at high volume.
Designed for home insurance challenges
Home Intelligence supports:
Pricing analysts refining segmentation and risk bands
Underwriters making confident acceptance decisions
Fraud teams validating intent and behaviour
Claims teams improving settlement accuracy
BI teams analysing portfolio performance
Whether you’re refining pricing, reducing leakage, or strengthening customer outcomes, Home Intelligence gives you the context you need to act with confidence.
