Castle ITV Guardian

EXL is a leading domain expert on high-value home underwriting. Our Castle ITV Guardian solution pairs EXL’s AI capabilities with our proprietary database of survey and construction data to flag policies at high risk of underinsurance.

Find your most underinsured policies — and get them insured-to-value

An estimated $10 billion of Homeowners premium is being left on the table annually due to underinsurance. Inflation has wreaked havoc on carriers’ profitability over the past few years as annual coverage adjustments have failed to properly address the extraordinary surge in reconstruction costs. Affluent and high-value homes are the most challenged given the extra pricing pressure on premium materials and labor.

Correcting insurance to-value (ITV) benefits both insurers and policyholders, but surveying your entire book of business would be time-consuming and expensive. What if you could prioritize only the most underinsured properties?

EXL is a leading domain expert on high-value home underwriting. Our Castle ITV Guardian solution pairs EXL’s AI capabilities with our proprietary database of survey and construction data to flag policies at extreme or high risk of underinsurance.

We know the affluent market

EXL has unapparelled insights into home characteristics and replacement costs in affluent US neighborhoods.

A bundled end-to-end renewal solution

Castle ITV Guardian analysis flags accounts at risk for underinsurance and then our high value survey experts inspect the priority accounts to ensure correct coverage at renewal.

Castle ITV Guardian dramatically improves ROI of inspection program

Prioritize inspections on your most underinsured policies