The insurance operating system residential real estate has been missing.
Improve NOI by Reducing Total Cost of Risk Across Your Insurance Operations
Total Cost of Risk
TCOR is bigger than premium.
Premium, retained losses, resident default, claims movement, program economics, and administrative work all sit inside total cost of risk. When those inputs live across email, spreadsheets, brokers, TPAs, RMIS records, and analytics dashboards, risk and finance leaders can see parts of the picture but still struggle to operate the work.
Modeled example
11,200-unit institutional portfolio
| Component | Annual | Per Unit | % NOI |
|---|---|---|---|
| Insurance premiums | $9.14M | $816 | 6.04% |
| Resident defaults | $2.91M | $260 | 1.92% |
| Risk retention | $1.14M | $102 | 0.75% |
| Administrative | $0.63M | $56 | 0.42% |
| Total TCOR | ~$14M | $1,234 | 9.14% |
The Control Point
Own the insurance submission.
Own the renewal before the market does.
The insurance submission is where source data, property truth, carrier context, and renewal strategy converge. Assurified turns the submission from a recurring scramble into an owner-controlled workflow. The renewal starts as a strategy room, not an inbox.
Strategy, evidence, and market context organized before the first broker call.
Quote data structured for comparison. Bind decision with rationale attached.
Full decision history preserved in the operating record.
The Platform
Five platform pillars.
One connected operating workflow from source evidence to TCOR decision.
Turn COPE, SOV, policy, inspection, lender, loss, quote, and program data into source-linked operating inputs.
Move strategy, RFQ, quote comparison, bind, COIs, and decision history through one controlled workflow.
Keep FNOL, claims status, reserves, loss runs, and claim history connected to policies, properties, and renewals.
Run resident deposit replacement, resident liability waiver, proof, enrollment, claims, billing, recovery, and reconciliation in one program layer.
Translate premium, retained loss, resident risk, claims movement, and program economics into asset and executive views.
How We Fit
Each system does its job. Assurified's platform runs the workflow across them.
RMIS, brokers, carriers, TPAs, property systems, exposure data platforms, analytics tools, and consultants each have a role. Assurified connects the owner-controlled workflow none of them owns alone.
Solutions
Solutions for the workflows that make TCOR operational.
Eight operations-focused workflows. One operating platform.
One platform
delivers a unified digital experience.
TCOR Dashboard
Resident Program Dashboard
ML Predictive Exposure Heatmap
Partners
A white-label operating platform for resident risk management programs.
Give agency, brokerage, consulting, and property-management partners one branded operating view for resident deposit replacement, resident liability waiver, enrollment, compliance, claims, invoicing, reconciliation, and reporting.
Operate RLW, RDRI, or both under your brand.
One operating record for evidence, program execution, and decision history.
Master programs across owner-client portfolios.
No system displacement. One renewal cycle.
Start with a portfolio, one upcoming renewal, and the systems you already use. Model the baseline, run the workflow, and decide from real data.