Homeowners’ Solutions

Protected Homes.

Made on Duck Creek.

About Benefits Customer Success Capabilities Ecosystem Resources

There’s a new standard in homeowners’ insurance which allows carriers to quickly design intuitive and intelligent solutions that adapt to homeowners’ ever-changing needs by providing policy solutions, flexible payment options, frictionless claim resolution, and superior user experiences. With the Duck Creek Suite, we provide insurance-specific SaaS applications, homeowners-specific integrations and content, and low-code tools you need to rapidly seize opportunity and reinvent yourself in a market of constant change.

Benefits

Achieve hyper-personalization

Tailor coverage to insureds’ needs by unifying multiple data sources such as roof quality and risk perils, policyholder credit score, home telematics, and fraud risk protection to create a single source of truth that captures customer intent. Make products that incorporate non-traditional variables for pricing and discounts that incentivize producers and influence customer behavior.

Deliver products at scale quickly

Create straightforward, easy-to-navigate workflows that enable self-service experiences for homeowners and producers. Leverage reusable components from implemented homeowners’ products to rapidly develop products that ensure price adequacy and proper segmentation.

Efficiently Service Customers

Increase customer satisfaction and retention by providing convenient, transparent interactions and streamlined workflows through automated quotes, implementing low touch underwriting, and streamlining claims that utilize data from our vast partner ecosystem. Provide easy access to information through next-gen portals designed to meet the expectations of agents and policyholders for digital interactions.

UPC created Skyway Technologies as an insurtech arm of the UPC UHIC family. It has allowed us to expand our business to new channels. By leveraging the Duck Creek inheritance model, we were able to use products that we have already filed for the agent channel. This enabled us to create a new distribution method for direct-to-consumer for the same product, with a headless UI utilizing API calls.

From ideation in November 2020 to delivery, Skyway launched a direct-to-consumer condo product in Florida in the summer of 2021 in nine months!

End-to-End Homeowners Lifecycle

Personalized Product Development

Streamlined Policy Management

Convenient Payments

Intelligent Claims

Digital Distribution

Unify Customer Data

Utilize our Homeowners LOB kit in conjunction with Duck Creek Rating to deliver homeowners’ insurance that gives homeowners the right protection

Learn about Duck Creek Rating

Capabilities Enabled

Leverage our Personal Home LOB Kits and low-code tools to quickly develop coverages, rules, rates, and forms to better protect homeowners and their properties

Access our partner ecosystem integrations for data validation of property address and location, roof quality, natural disaster intelligence, etc., which enable more accurate pricing and streamline underwriting

Benefits

Implement new products in weeks, not years

Reduce product development resources

Enable “touchless” underwriting of personal property for new and renewal business

Learn About Duck Creek Policy

Capabilities Enabled

Automate the homeowners’ policy lifecycle from quote to underwriting and renewal with the ability to include skilled employees as needed

Deliver rating results within seconds to comparative shopping websites or agency management systems and tailor quotes

Process out-of-sequence endorsements and easily add new property such as jewelry, fine art, or anything else of value

Utilize smart sensors and smart devices through our ecosystem integrations that prevent loss by notifying insureds of potential issues such as gas leaks, water leaks, or open garages

Benefits

Increase customer satisfaction through more adequate and affordable coverage

Safer homes – pay for required protection

Notify insureds of issues such as leaks via smart sensors

Develop the flexible homeowners’ insurance payment options your customers expect.

Learn about Duck Creek Billing

Capabilities Enabled

Define payment plans, discounts, and installments that meet the unique needs of customer journeys

Support modern payment options like eCheck or auto-pay from bank accounts and credit cards

Reach out to homeowners with reminders and notices or implement penalties for late payments to ensure that payments are received on time

Leverage APIs to provide homeowners seamless, omni-channel payment options across web, mobile, email, and text messaging

Benefits

Increase customer retention by offering recurring payments vs one-time payments

Reduce payment-related calls

From wind and hail damage to break-ins and theft, automate the homeowners’ claims lifecycle

Learn about Duck Creek Claims

Capabilities Enabled

Automate property loss from first notice to investigation, evaluation, adjudication, payment, and CAT management with the ability to include skilled claims handlers as needed

Engage with homeowners and deliver transparency throughout the claims lifecycle when necessary to reassure and update them on the status of their claims

Utilize digital capabilities to complete the investigation phase and avoid in-person inspections

Integrate with our partner ecosystem to utilize IoT devices to prevent losses and enable connected homes

Benefits

Decrease claims processing times

Reduce claims leakage

Increase customer satisfaction

Speed claim processing and resolution

Lower loss adjustment expenses

Improve homeowner/claimant experiences

Engage with more productive and loyal producers

Learn about Duck Creek Producer

Capabilities Enabled

Ensure that homeowners and renters find the right coverage by extending your distribution networks with our partner ecosystem

Seamlessly connect customers or agents to quoting portals by eliminating redundant data entry after they initiate quotes on agent

Leverage a single point of change to maintain multiple user portals under a common set of product definitions

Benefits

Increase new business to consumer or agent portals

Increase agent retention

Optimize quote to bind ratios

Lower customer acquisition costs

Increase customer satisfaction

Lower portal maintenance costs

Gain a 360-degree view of homeowner, dwelling, and related risks.

Learn about Duck Creek Insights

Capabilities Enabled

Create a single source of truth that consolidates homeowner and property data across Duck Creek solutions, internal systems, and external data feeds like smart sensors

Maintain timely views of the homeowner, regulatory, and economic landscape with tools that ease data mapping, business rules management, and metrics development

Develop persona-based reports and dashboards that answer common operational or management questions and provide analytic insights to executives, underwriters, and claims handlers

Benefits

Improve reserving accuracy

Reduce expenses and optimize claims cycle times

Improve reporting accuracy

Get a 360=degree view of homeowner, dwelling, property, (location, credit score) and related risks

Improve risk analysis and prevention

Featured Integrations

Our comprehensive partner ecosystem features a number of integrations to technology providers who support homeowners:

CoreLogic - Property Risk Insights

CAPE Analytics – Roof Quality & Property Perils

LexisNexis – Policyholder Credit Risk

Roost – Home Telematics

RedZone – Smart Intelligence on Natural Disasters

Precisely - Address Validation & Location Intelligence

UrbanStat - Geospatial Analytics

FRISS – Fraud Risk Protection

TransUnion - Policyholder Credit Risk

WeGoLook - Field Adjustor Network

One Inc. – Home Claims Payments

View All Integrations

What’s Happening In Our World

Blog Resources Events

Webinar

From Idea to Delivery with UPC

Webinar

Know Your Customer: Improve Customer Experiences with Predictive Behaviors

Customer journey orchestration is the best way to enhance communications and provide key business insights to improve CX.

Industry Report

LexisNexis Home Trends Report

This report provides an updated view of by-peril trends in the U.S. home insurance industry to help carriers make more informed business decision. In addition to insights about loss cost, frequency and severity, the report includes details about seasonality, distribution of catastrophe claims and geographic trends.