Verisk and Equifax introduced Inflection Homeowners, a credit based insurance score built for property insurers that uses trended credit attributes instead of a point in time credit snapshot. It is aimed at homeowners underwriting, quoting and renewal decisions and extends the existing Inflection Auto model to property lines. Verisk states its own analyses show 2.6X lift between the lowest and highest risk bands.
Our readHomeowners carriers get a bureau codeveloped rating variable, and Verisk's product page says the model has been filed in most states and approved in a majority of those requiring filings, which shortens the path to rate use. The lift figure is vendor stated with no published method, so carriers still need to validate it on their own book.