How the Insurability Score works
The Insurability Score is an estimate of how likely a home is to be able to obtain homeowners insurance. It’s a measure of availability - not a price, a risk-of-loss rating, or an underwriting decision. It’s calculated from property and regional data using transparent, rules-based logic, so every result can be explained.
Check any home’s insurability
Paste an address — we’ll estimate how easy it is to insure. No account, no login.
The score bands
We calculate a score and translate it into one of four plain-language bands:
What we consider
The score weighs several factors about the property and its location. We share the factors and where the data comes from; we don’t publish the exact weighting, which we tune over time.
Catastrophe exposure
Wildfire, flood, wind/hail, earthquake, and landslide risk at the property. This is the strongest driver - a home in an extreme hazard area is treated as hard to insure regardless of its other qualities, because that reflects how the market actually behaves.
Construction & roof
What the home is built of, and the roof’s material and age - the features carriers weigh most heavily after catastrophe risk.
Location & fire protection
The area’s fire-protection rating (proximity/quality of fire response) and its FEMA flood-zone designation.
Property condition & age
Year built, and signs of upkeep such as recent roof or system replacements recorded in building permits.
Replacement-cost fit
How the coverage amount compares to the estimated cost to rebuild, and whether the value falls outside standard-market appetite.
Occupancy & use
How the home is used - an owner-occupied primary residence generally insures more easily than a rental or seasonal home.
Loss history
Recorded prior claims on the property, which carriers weigh in their decisions.
Carrier appetite
Observed insurer willingness to quote similar homes, learned from real quote and declination outcomes. This signal grows more influential as more outcomes are recorded.
Confidence & missing data
Not every home has complete data. Rather than guess, the score reports a confidence level based on how much information was available. Missing data never counts as favorable - it lowers confidence. When there isn’t enough data to estimate responsibly, we show “insufficient data” instead of a band.
Important
This Insurability Score is an estimate generated from available property, regional, and hazard data, and is provided for informational purposes only. It is not an underwriting decision, an offer of insurance, a rate quote, or a guarantee of coverage, pricing, or eligibility. Actual insurance availability and terms depend on carrier appetite, underwriting review, property inspection, claims history, and market conditions. For a binding determination, speak with a licensed insurance broker.