AIHomes builds a verified property maintenance dataset that gives insurers accurate, third-party-confirmed data on the assets they cover.
8–20×*
ROI Per Home
* Projected based on industry benchmarks and comparable platform deployments. Individual results will vary.
AIHomes does not underwrite insurance and is not a warranty product. It is a data platform.
The value to insurers is a verified, structured maintenance dataset built through the builder-homeowner relationship, a dataset that does not exist anywhere else.
Builder enters product data at closing Installation date and model verified Not self-reported by homeowner Clean, structured from day one
Homeowner logs maintenance completions Timestamped and platform-verified Compliance score calculated per property Grows more valuable every year
Data licensing at $8–$15 per home / year Activates at 50,000+ verified homes Consent-governed and legally structured Integrable via API or structured data feed .
The insurer ROI case is straightforward: if verified maintenance data reduces frequency claim exposure by even a fraction of a per cent on a large property book, the licensing cost is recovered many times over.
| Component | Value |
|---|---|
| AIHomes data licensing fee (planning) | $8 – $15 per home / year |
| Modeled insurer benefit per verified home | $120 – $280 per home / year |
| Modeled ROI on data licensing | 8 – 20× |
| U.S. property insurance annual direct written premium | ~$200 billion |
| Loss ratios (industry average, recent decade) | 65 – 75% |
| AIHomes data activation threshold | 50,000+ homes with 18+ months of maintenance history |
* Projected based on industry benchmarks and comparable platform deployments. Individual results will vary.
All data sharing is consent-governed. Homeowners opt in to data-sharing participation. AIHomes does not sell homeowner data without explicit permission.
Roof age, HVAC condition, and appliance status are self-reported — 25–40% inaccurate
No third-party verification of maintenance compliance at underwriting
Frequency claims driven by assets whose actual condition is unknown
Premium mispricing on homes where the true maintenance record is unavailable
Claims disputes over whether maintenance was performed — no audit trail
No mechanism to reward verified maintenance with premium discounts
Builder-originated installation records create a verified baseline at the start of homeownership
Homeowner-logged maintenance records provide ongoing, timestamped compliance evidence
Third-party verified data on HVAC condition, appliance age, and roof status
Maintenance compliance scores available for underwriting calibration
Dispute resolution supported by timestamped issue submission and builder response records
Framework for preferred-pricing partnerships with homeowners who have verified maintenance histories
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