Multi-Peril Decomposition
How we break your premium into component costs by peril: wind, fire, water, theft, liability, and more.
Multi-Peril Premium Decomposition
For each property, we decompose the total premium into component costs by peril:
Total Premium = Wind/Hail + Fire + Water + Theft + Liability + Medical Payments + Loss of Use
Each peril component is derived from territory-based rating factors published in state DOI rate manuals, adjusted by construction type, year built, protection class (ISO), and claims history.
This decomposition lets you see exactly what you are paying for -- and where the greatest savings opportunities exist.