What's New in Homeowners Insurance Ratemaking?

Joint Webinar with ISO and Earnix

The webinar provides a unique opportunity to delve into the recently released results of the 2014 ISO and Earnix joint industry study: Homeowners Insurance Ratemaking Approaches Survey.

This survey was conducted to help insurance executives uncover best practices in ratemaking approaches used by North American insurance companies in their homeowners business. Survey responses were collected online from 99 insurance professionals representing companies that sell homeowners coverage in the United States and Canada.

The survey provides a first-hand look at key areas of homeowners pricing, including:

  • How are predictive models used in homeowners pricing?
  • What catastrophe models are used in homeowners pricing?
  • How far has the industry gone in moving to by-peril rating? What is the expectation for the next few years?
  • What are the most commonly used external data elements in Homeowners pricing?
  • What is the current state of inspection of homes for underwriting or rating purposes?
  • What are factors influencing a company’s decision to file a rate change? How long does it take to implement the changes?
  • What are the major ratemaking process challenges?
  • What are the emerging issues that most concern the industry?


Curry_Robert-14-portrait (Custom)Robert Curry,

Actuarial Product Director, Personal Property, ISO Insurance Programs & Analytic Services

Robert Curry is responsible for the loss cost reviews for homeowners, dwelling property, personal liability and personal inland marine in all 50 states. He also oversees ISO’s use of computerized catastrophe models for hurricane and earthquake for these lines. His division is also involved in developing scoring products for homeowners.

Robert has previous ISO actuarial experience in the personal auto ratemaking, research, data management and government relations areas.

He is a fellow of the Casualty Actuarial Society, a member of the American Academy of Actuaries and a Charted Property Casualty Underwriter (CPCU).

Robert has been an active volunteer for the CAS including being the Chairperson for the Predictive Modeling seminar committee and a member of the Syllabus, Exam and Professional Education Policy committees.

Robert is a graduate of Cook College at Rutgers University with a BS in mathematics.


Pic 82x107Drew Lawyer , Senior Professional Services Consultant at Earnix

Drew Lawyer has over 10 years of experience in the insurance industry. Currently, Drew is a Senior Professional Services Consultant at Earnix working with insurance providers both domestic and abroad. Drew focuses on project delivery and has a variety of experience in the fields of Price Optimization, Risk Modeling, and Pricing Process Efficiency.

Prior to joining Earnix, Drew worked for nine years at COUNTRY Financial where he held a variety of positions in the actuarial department. His work primarily focused around Predictive Modeling, Competitive Analysis and Experimental Design.

Drew holds an MS in Statistics from Illinois State University.

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