5 Smart Ways Insurance Carriers Can Better Support Today’s Homeowners
Homeownership looks different today than it did in the past, especially for young people facing rising costs and higher interest rates. Yet the dream remains the same: owning a home is a symbol of safety, stability, and hope for the future.
That’s why it’s an investment worth protecting, and why insurance carriers play a key role in providing the information and tools they need to safeguard their largest investment.
At JMI Reports, we understand that protecting a home goes beyond policy language. It’s about proactive risk management, accurate information, and timely support. Here are our top tips and tools to help insurance carriers lead the conversation and strengthen their relationship with customers, not just during National Homeownership Month this June, but all year long.
1. Proactively Educate Homeowners About Hidden Risks
Most homeowners don’t realize how small issues like roof wear, foundation cracks, or vegetation overgrowth can become costly claims. As a carrier, you can proactively share insights on common property risks that are uncovered during inspections.
What You Can Do: Share seasonal inspection checklists or email tips that align with regional weather risks. Help homeowners catch small issues before they turn into claims.
2. Encourage DIY Inspections with Smart Tools
Not every inspection needs a scheduled visit, thanks to DIY data verification tools like JMI’s QuickVUE and RiskVUE-IQ. These DIY solutions make it easy for carriers to engage and empower policyholders in their own risk evaluation, as the homeowners can answer step-by-step questions about their property, take guided photos, and submit them right from their mobile device.
Why It Matters: DIY tools give homeowners a sense of control and help carriers get faster, clearer data on a property.
3. Leverage Data to Drive Policyholder Conversations
One-size-fits-all messages don’t always work. Instead, use inspection data to personalize communication with policyholders. If they have a flat roof or an older HVAC system, offer maintenance tips or recommend coverage enhancements tailored to those risks.
Tool Highlight: JMI's comprehensive inspection reports include condition photos, risk scoring, and automated flags for underwriting action.
4. Support Underserved or Hard-to-Reach Areas
Some homes are in remote places or risky zones where full inspections may be difficult to schedule. That doesn’t mean you should guess or go without. That’s where JMI’s hybrid approach to risk assessment comes in. With a seamless suite of tools that combine aerial imagery, homeowner input, and expert review, you’ll get flexibility without losing quality.
Why It Matters: Delayed or incomplete inspections can lead to blind spots in underwriting. A robust solution ensures you still get reliable data to assess risk and make informed decisions.
5. Connect with Your Policyholders
Behind every policy is someone trying to protect what they care about. Insurance shouldn’t feel like a transaction—it should feel like support. Provide valuable resources that will resonate with your customers.
What You Can Do: Host webinars, share homeowner safety tips on social media, or just check in. People remember when carriers act like partners, not just providers.