For insurance carriers
Home intelligence infrastructure for HNW insurance carriers.
A structural home data layer your underwriting, member experience, and claims teams can build against.
$6.2B
in DMG career sales.
The Thesis
Underwriting a home you can actually see.
HNW carriers are flying blind on the asset they insure. The data that lives in your file is a snapshot at bind; the home keeps changing. New systems get installed. Warranties lapse. Roofs age out. By the time a claim arrives, the picture is years out of date. Home Folio is a structural data layer that stays current with the home itself. Appliances, finishes, systems, service history, vendor relationships — captured at the property and continuously updated by the homeowner who already cares most about keeping it accurate. Your team gets a real-time read on what they actually insure.
“Underwriting on a current home is a different product than underwriting on a 2019 application.”
What we do
What we do for carriers.
01
A structural home data feed.
A continuously updated record of every appliance, system, finish, and warranty in the home, exposed to your underwriting and risk teams through a clean API.
02
A member experience layer.
A branded home profile your members actually want to use, framed as a member benefit rather than a policy task. Engagement at renewal, not a survey at bind.
03
Claims context, on day one.
When a claim hits, your adjuster opens a complete history of the affected system: install date, vendor, last service, warranty status. Faster cycle time, fewer disputes.
04
A member onboarding flow.
A guided setup that turns a one-time underwriting questionnaire into a living profile, captured at the kitchen counter on a phone in under fifteen minutes.
The DMG cohort
23%
reduction in post-close service calls across the DMG pilot cohort.
“We've never had this level of visibility into the homes we insure. The claims team noticed first.”
How integration works
How integration works.
01
Data flow design.
A joint working session with your data and underwriting teams to scope what fields matter, in what shape, on what cadence.
02
Member experience integration.
Embedded or co-branded onboarding inside your member portal, with SSO and consent flows that respect your existing identity stack.
03
Claims workflow.
A claims-side surface that pulls the relevant home record into your adjuster's queue at FNOL, without changing the tool they live in.
04
Pilot review.
A 90-day pilot with a defined cohort, clear metrics, and a shared readout before any broader rollout.
Who we work with
Additional partnerships in scoping.
Luca Foglio
Partnerships, Insurance
Direct line
Talk to Luca, directly.
No forms, no routing. A real conversation about whether Home Folio fits how you work.