Homeowners Hub 

Hot Topics in 2023

Shortlisted topics for multistate insurance program changes

Gig Economy

We're exploring development of a homeowners business coverage option to more specifically adress the insurance needs of the growing gig economy.


We're exploring development of a multistate rating provision that would introduce credits to recognize fire mitigation efforts at a community and/or property level.

Major Projects

Virginia Programs

We're introducing updated versions of the ISO Homeowners & Dwelling Property forms, rules, and loss costs for use in Virginia in response to 14 Va. Admin. Code § 5-341 and 5-342.

Homeowners Flood Coverage Options

We're finalizing development of new flood coverage options under the ISO Homeowners Policy Program. The new flood coverage options are anticipated to utilize many of the innovative coverage and rating aspects of the stand-alone ISO Personal Flood Program, while being designed for use with an ISO Homeowners Policy.

Homeowners 2022 Multistate Forms Revision

We've revised the Homeowners base coverage forms to address cannabis, cryptocurrency and motorized scooters and bicycles. We have also made enhancements to several endorsements and have implemented a single column text format.

Contact the Homeowners Team

Our product team is available for support. Email us with any questions or comments and we’ll direct your inquiry to the right person and be in touch.


Available Report
2023 Executive Insights: Homeowners
This edition of the 2023 Executive Insights: Homeowners summarizes key trends in homeowners insurance from the first-quarter of 2018 to fourth-quarter 2022, derived from Verisk’s statistical data.
Available Webinar
360Value: Tracking Trends and Innovation in Replacement Costs
This webinar explores the latest replacement cost trends, and the importance of our new property confidence scores
Available Webinar
Go Digital, Get Personal: Unlocking Transformation in Auto and Homeowners Insurance
Emerging personal auto and homeowners trends have insurance leaders seeking ways to adapt nimbly, win business efficiently, and lift the customer experience while digitizing the quoting process.

Meet The Team

Sandee Perfetto

Sandee Perfetto is a personal lines senior director at Verisk overseeing the development of insurance solutions for the sharing economy, millennials, autonomous vehicles, cyber, and cannabis. She leads a team of personal lines and farm insurance professionals in driving the creation of new coverage products, maintaining and enhancing Verisk’s existing programs, and improving customer experience. Sandee earned a Master of Science degree in education from Queens College and graduated with a Bachelor of Science in Insurance and Finance from the University of Hartford.

Verisk Activity

Coming soon: links to related content for participating subscribers!

Tools and Resources

Circular Alert Service open_in_new

With the Circular Alert Service you'll receive a daily email notifying you of the latest circular releases. You can personalize your alert by types of circulars, LOB, states and more.

ISO Education open_in_new

Available on-demand, ISO Education content is produced & maintained by the subject matter experts that develop and manage the products, so you can be confident that the material is extensive and relevant.  

Verisk Speakers Bureau open_in_new

Request an insurance thought leader to speak at your next event. Verisk leaders and innovators are sought after to speak at insurance industry events on a wide range of topics. 

Verisk Property Reports open_in_new

Get a better understanding of critical trends that unfolded last year in the US, Canadian, and UK property restoration industries with Verisk's Property Reports. 

Explore Homeowners Insights

Roof Solutions for Homeowners

A roof is costly and subject to relentless wear and tear—so it's a critical property underwriting attribute. Verisk is here to provide a single, more reliable source of roof information, offering robust data for every residential exposure.
roof solutions 3