Explore Personal Lines
Confianza’s personal lines goes beyond standard business and property records by validating inconsistencies and capturing details others miss. By structuring and refining data to reflect real-world conditions, insurers can evaluate opportunities earlier, prioritize effectively, and make decisions that improve underwriting performance and portfolio outcomes.
Auto
Confianza modernizes the traditional standard & non-standard auto prefill by more accurately constructing today’s households, which are increasingly multi-surname, multi-generational, and multi-ethnic which require different household-building and search logic than legacy approaches currently provide. With primary named insured and address, get all household vehicles with VIN & registration details as well as all drivers with violation history.
Homeowners
Providing a complete solution supporting C.O.P.E (Construction, Occupancy, Protection and Exposure) Additional value add and predictive data includes owner financial strength, risk and behavior insights.
Enhanced Flood Risk Intelligence
Confianza addresses the insurance industry’s long-standing reliance on broad flood risk measures with an accurate, sub-second first floor height determination delivered through a single point-of-entry API, an approach that has been benchmarked against flood certificates and found to be amazingly accurate. Confianza is also the only provider to bundle flood risk with additional natural hazard measures such as hurricane, riverine, and storm surge, giving carriers a complete picture of water-related risk in a single call.
Habitational Risk
Confianza delivers a complete view of the risks associated with a subject property, combining building-level financial and physical risk factors, external hazards that can damage the structure or harm occupants and visitors, and localized crime trends that drive theft and liability exposure. This holistic profile allows carriers and agents to underwrite and price habitational risk with far greater precision than traditional data sources allow.
Portfolio Optimization
An iterative process that identifies and profiles a carrier’s “best” customers, then uses those profiles to uncover untapped opportunity – both within the existing distribution network and in new, unaddressed markets. Confianza matches the right agents and agencies to the right populations and fast-tracks the opportunities that best fit a carrier’s appetite.
Fraud and Premium Leakage
Confianza’s eight-factor model validates the applicant’s identity, territory, exposures, insured assets, insurable interest, asset condition, and other rating variables, then quantifies policyholder motive into a single fraud-intent score, with reason codes and remediation guidance for every exception. On the leakage side, Confianza addresses the growing tendency of price-sensitive consumers and “order-taker” agents to under-capture risk in pursuit of a lower premium, a practice Confianza estimates leaves as much as 20% of personal lines premium unbilled and leaves policyholders inadequately covered.
Enhanced Marketing Solutions
Building onto portfolio optimization, Confianza taps our extensive consumer database to identify classes of consumers, preferred, standard, non-standard, and minimum limits, that carriers and agents can target with confidence. Confianza has proven that pairing the right analytics with the right underlying data can make even non-standard and minimum-limits business profitable.
Replacement Cost Estimator
Confianza has replaced the traditional “black box” replacement cost calculator with an open, transparent methodology that exposes every factor behind the estimate. With more than two hundred distinct calculations, nine of them specific to personal lines, our estimator forecasts the replacement cost to mid-policy using property-specific uses rather than generic inflation factors. All of these enable Confianza to deliver replacement cost estimates that are both more accurate and defensible.
Distance To Fire Station / Hydrant
Because fire losses scale geometrically with fire department response time and the availability of a functioning hydrant, as tragically underscored by the Los Angeles fires, accurate proximity data is essential to sound personal property underwriting. Confianza invests significant effort to keep these measures complete and accurate, avoiding the false positives common to AI- and NLP-based competitors, which frequently flag entities that merely sound like fire stations or hydrants and can lead carriers to significantly under-rate policies.
Financial Strength
Confianza is not a credit reporting agency and does not use regulated data, so its financial indicators cannot be used to deny consumer coverage. However, our scores are highly effective for pre-screening and tiering. Confianza’s offerings include a familiar 350-850 credit-style score built on the same five components as a traditional score, a financial momentum indicator that tracks the direction and velocity of a consumer’s financial condition, an ability-to-pay score that indicates a consumer’s ability to take on additional obligations, and a risk-of-default score that is consistent with those used in the commercial markets.
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