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Home warranty companies: Use property age and characteristics for better pricing

Photo of Alex Wilkinson
Alex Wilkinson
CEO of Houski
2026-03-11

Home warranty companies price policies with limited information. You know the address and maybe square footage. Is this a 1975 house with original systems, or a 2015 build? That distinction drives claim likelihood, but most applications don't capture it.

Claim frequency correlates with property age and characteristics. A 40-year-old house has very different risk than a 10-year-old house. Pricing them the same means losing money on older homes or losing customers on newer ones.

Property data APIs give you construction year, property type, and other characteristics for accurate pricing.

What property data tells you about warranty risk

Construction year is the biggest factor

A house built in 1985 likely has heating, ventilation, and air conditioning (HVAC) equipment, a water heater, and appliances near or past replacement timelines. A single properties call returns construction year alongside the system fields you actually care about for risk tiering. The block below is a live call against the real API, the request code and response are regenerated every time this page is rendered:

API request
TypeScript code
const houski_data = async (): Promise<PropertiesResponse> => {

    // You must copy the PropertiesResponse type declarations from the 
    // Houski API documentation to strongly type the response

    const url = new URL('https://api.houski.ca/properties');
    url.searchParams.set('api_key', 'YOUR_API_KEY');
    url.searchParams.set('city', 'calgary');
    url.searchParams.set('country_abbreviation', 'ca');
    url.searchParams.set('province_abbreviation', 'ab');
    url.searchParams.set('select', 'construction_year,property_type,interior_sq_m,heating_type_first,cooling_type_first,assessment_value,bedroom,bathroom_full');

    const response = await fetch(url);
    const data = await response.json();

    return data;
}

(async () => {
let data: PropertiesResponse = await houski_data();

// Log the response
console.log(data);
})();
API response
JSON
{
  "cache_hit": false,
  "cost_cents": 4.380000114440918,
  "data": [
    {
      "address": "31 Hawkside Park NW",
      "assessment_value": 648500,
      "bathroom_full": 3,
      "bedroom": 3,
      "construction_year": 1988,
      "cooling_type_first": "None",
      "heating_type_first": "Gas furnace",
      "interior_sq_m": 126.34708404541016,
      "property_id": "10000f97f5cb7b9f",
      "property_type": "Duplex"
    },
    {
      "address": "6 1744 7 Street SW",
      "bathroom_full": 2,
      "bedroom": 3,
      "construction_year": 2006,
      "cooling_type_first": "None",
      "heating_type_first": "Gas furnace",
      "interior_sq_m": 125.882568359375,
      "property_id": "10004f7afe0c1946",
      "property_type": "House"
    },
    {
      "address": "384 Copperpond Landng SE",
      "bathroom_full": 2,
      "bedroom": 3,
      "construction_year": 2006,
      "cooling_type_first": "None",
      "heating_type_first": "Gas furnace",
      "interior_sq_m": 125.882568359375,
      "property_id": "10007f9761f49940",
      "property_type": "House"
    },
    {
      "address": "239 Dalhurst Way NW",
      "assessment_value": 1110000,
      "bathroom_full": 2,
      "bedroom": 3,
      "construction_year": 1971,
      "cooling_type_first": "None",
      "heating_type_first": "Gas furnace",
      "interior_sq_m": 108.46339416503906,
      "property_id": "100086f6bc064d3f",
      "property_type": "House"
    },
    {
      "address": "52 Cedargrove Way SW",
      "assessment_value": 662000,
      "bathroom_full": 1,
      "bedroom": 3,
      "construction_year": 1984,
      "cooling_type_first": "None",
      "heating_type_first": "Gas furnace",
      "interior_sq_m": 136.4734344482422,
      "property_id": "1000c277cd905d3b",
      "property_type": "House"
    },
    {
      "address": "28 Sundown Gr SE",
      "assessment_value": 692500,
      "bathroom_full": 3,
      "bedroom": 3,
      "construction_year": 1988,
      "cooling_type_first": "Central",
      "heating_type_first": "Gas furnace",
      "interior_sq_m": 172.61241149902344,
      "property_id": "1001109ab2aebbc0",
      "property_type": "House"
    }
  ],
  "error": "",
  "pagination": {
    "current_page": 1,
    "has_next_page": true,
    "has_previous_page": false,
    "page_total": 113490
  },
  "price_quote": false,
  "result_total": 680936,
  "time_ms": 257,
  "ui_info": {
    "city": "Calgary",
    "city_id": "6ec95b53075d062c",
    "city_link": "ca/ab/calgary",
    "city_slug": "calgary",
    "country": "Canada",
    "country_abbreviation": "CA",
    "country_abbreviation_id": "9ace2b6431b7f1be",
    "country_abbreviation_link": "ca",
    "country_slug": "canada",
    "province": "Alberta",
    "province_abbreviation": "AB",
    "province_abbreviation_id": "aae1f05a0f89d2c7",
    "province_abbreviation_link": "ca/ab",
    "province_slug": "alberta"
  }
}

See the Fields documentation for all available property characteristics.

Property type affects claim patterns

Condos have different risk than houses. Houses have more covered systems (HVAC, water heater). Condos may have shared systems handled by the building.

Size correlates with replacement costs

Larger homes have larger HVAC systems. Square footage helps estimate claim costs.

Heating types

The API returns heating type (Gas furnace, Heat pump, Hot water, Radiant, and more). Different heating systems have different failure patterns and replacement costs. Cooling data is presence-only, so heating type and property age carry the risk signal.

Using property data for pricing

Simple age-based tiering

Tier pricing by construction year. A simple bracketed multiplier, anchored to the construction_year value the API returns, gets you most of the way: ages above 35 priced at a high-risk multiplier, ages 25 to 35 elevated, ages 15 to 25 standard, ages 5 to 15 preferred, anything newer treated as new-construction risk.

Application enrichment

Look up the property by address through the /search endpoint and pre-fill the form fields you would otherwise ask the customer to type:

API request
TypeScript code
const houski_data = async (): Promise<SearchResponse> => {

    // You must copy the SearchResponse type declarations from the 
    // Houski API documentation to strongly type the response

    const url = new URL('https://api.houski.ca/search');
    url.searchParams.set('api_key', 'YOUR_API_KEY');
    url.searchParams.set('query', '123+main+st+calgary');

    const response = await fetch(url);
    const data = await response.json();

    return data;
}

(async () => {
let data: SearchResponse = await houski_data();

// Log the response
console.log(data);
})();
API response
JSON
{
  "cache_hit": true,
  "cost_cents": 0.19999998807907104,
  "data": [
    {
      "address": "1215 19489 Main Street SE",
      "property_id": "1a0d9646b3b7fee4"
    },
    {
      "address": "20913 Main Street Southeast",
      "property_id": "1bb955452668e179"
    },
    {
      "address": "1206 19489 Main Street SE",
      "property_id": "25dbe5737d863d68"
    },
    {
      "address": "20693 Main Street Southeast",
      "property_id": "265563c5cf7aaeb"
    },
    {
      "address": "1203 19489 Main Street SE",
      "property_id": "2cb6522c907d3cad"
    },
    {
      "address": "1217 19489 Main Street SE",
      "property_id": "3c360263b5035097"
    },
    {
      "address": "1218 19489 Main Street SE",
      "property_id": "3e9b995b7a2575cf"
    },
    {
      "address": "120 180 Legacy Main Street SE",
      "property_id": "4715657394081588"
    },
    {
      "address": "1209 19489 Main Street SE",
      "property_id": "4e6754f302f2956c"
    },
    {
      "address": "151 Legacy Main Street Southeast",
      "property_id": "61a5c09375eb16aa"
    }
  ],
  "error": "",
  "match_meta": [
    {
      "match_value": 0.8333333134651184,
      "property_id": "1a0d9646b3b7fee4"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "1bb955452668e179"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "25dbe5737d863d68"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "265563c5cf7aaeb"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "2cb6522c907d3cad"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "3c360263b5035097"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "3e9b995b7a2575cf"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "4715657394081588"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "4e6754f302f2956c"
    },
    {
      "match_value": 0.8333333134651184,
      "property_id": "61a5c09375eb16aa"
    }
  ],
  "price_quote": false,
  "result_total": 10,
  "time_ms": 1007
}

Customers skip questions they don't know ("What year was your house built?") and you get data instead of guesses.

Marketing to the right prospects

Find good warranty prospects by filtering for the warranty sweet spot: old enough to need coverage, new enough to be insurable. Houses in Calgary built between roughly 10 and 25 years ago, above a value floor, give you a targeted mailing list:

API request
TypeScript code
const houski_data = async (): Promise<PropertiesResponse> => {

    // You must copy the PropertiesResponse type declarations from the 
    // Houski API documentation to strongly type the response

    const url = new URL('https://api.houski.ca/properties');
    url.searchParams.set('api_key', 'YOUR_API_KEY');
    url.searchParams.set('assessment_value_gte', '300000');
    url.searchParams.set('city', 'calgary');
    url.searchParams.set('construction_year_gte', '2001');
    url.searchParams.set('construction_year_lte', '2016');
    url.searchParams.set('country_abbreviation', 'ca');
    url.searchParams.set('property_type_eq', 'House');
    url.searchParams.set('province_abbreviation', 'ab');
    url.searchParams.set('results_per_page', '100');
    url.searchParams.set('select', 'address,city,postal_code,construction_year,interior_sq_m,property_type');

    const response = await fetch(url);
    const data = await response.json();

    return data;
}

(async () => {
let data: PropertiesResponse = await houski_data();

// Log the response
console.log(data);
})();
API response
JSON
{
  "cache_hit": false,
  "cost_cents": 25.0,
  "data": [
    {
      "address": "196 Covemeadow Road NE",
      "city": "Calgary",
      "construction_year": 2005,
      "interior_sq_m": 115.7562255859375,
      "postal_code": "T3K6E7",
      "property_id": "1001a75df7bd5267",
      "property_type": "House"
    },
    {
      "address": "121 Prestwick Way SE",
      "city": "Calgary",
      "construction_year": 2001,
      "interior_sq_m": 104.42214965820312,
      "postal_code": "T2Z3W7",
      "property_id": "1001f28c96629974",
      "property_type": "House"
    },
    {
      "address": "432 27 Avenue NW",
      "city": "Calgary",
      "construction_year": 2005,
      "interior_sq_m": 167.40988159179688,
      "postal_code": "T2M2H6",
      "property_id": "10021e44aa219b00",
      "property_type": "House"
    },
    {
      "address": "168 Coventry Hills Drive NE",
      "city": "Calgary",
      "construction_year": 2005,
      "interior_sq_m": 172.7982177734375,
      "postal_code": "T3K6H4",
      "property_id": "1002285fe3ee9c49",
      "property_type": "House"
    },
    {
      "address": "145 Valley Woods Place NW",
      "city": "Calgary",
      "construction_year": 2006,
      "interior_sq_m": 199.55406188964844,
      "postal_code": "T3B6A1",
      "property_id": "10034432c778cb03",
      "property_type": "House"
    },
    {
      "address": "1435 25A Street SW",
      "city": "Calgary",
      "construction_year": 2016,
      "interior_sq_m": 167.8743896484375,
      "postal_code": "T3C1J8",
      "property_id": "1003d96e8e607840",
      "property_type": "House"
    },
    {
      "address": "247 Chapalina Terrace SE",
      "city": "Calgary",
      "construction_year": 2006,
      "interior_sq_m": 195.32781982421875,
      "postal_code": "T2X3Y5",
      "property_id": "1004a292757c448e",
      "property_type": "House"
    },
    {
      "address": "47 Elgin Terrace SE",
      "city": "Calgary",
      "construction_year": 2007,
      "interior_sq_m": 188.3128967285156,
      "postal_code": "T2Z0H6",
      "property_id": "10053e86b05542f8",
      "property_type": "House"
    },
    {
      "address": "2104 53 Avenue SW",
      "city": "Calgary",
      "construction_year": 2014,
      "interior_sq_m": 134.8940887451172,
      "postal_code": "T3E1K8",
      "property_id": "100570c4133180e3",
      "property_type": "House"
    },
    {
      "address": "6010 Saddlehorn Drive NE",
      "city": "Calgary",
      "construction_year": 2002,
      "interior_sq_m": 134.47604370117188,
      "postal_code": "T3J4M4",
      "property_id": "100653c322cfca91",
      "property_type": "House"
    },
    {
      "address": "241 Tuscany Reserve Rise NW",
      "city": "Calgary",
      "construction_year": 2006,
      "interior_sq_m": 175.1207733154297,
      "postal_code": "T3L0A4",
      "property_id": "1006595dbb3b58b6",
      "property_type": "House"
    },
    {
      "address": "190 Evansford Circle NW",
      "city": "Calgary",
      "construction_year": 2007,
      "interior_sq_m": 146.78558349609375,
      "postal_code": "T3P0A9",
      "property_id": "100672c51cf98d0d",
      "property_type": "House"
    },
    {
      "address": "246 Covemeadow Bay NE",
      "city": "Calgary",
      "construction_year": 2005,
      "interior_sq_m": 124.58193969726562,
      "postal_code": "T3K6E8",
      "property_id": "1006910ea1e8de7d",
      "property_type": "House"
    },
    {
      "address": "308 Panatella Boulevard NW",
      "city": "Calgary",
      "construction_year": 2005,
      "interior_sq_m": 167.27053833007812,
      "postal_code": "T3K6K2",
      "property_id": "10080305cbdbb466",
      "property_type": "House"
    },
    {
      "address": "440 Shannon Square SW",
      "city": "Calgary",
      "construction_year": 2001,
      "interior_sq_m": 163.69378662109375,
      "postal_code": "T2Y4J9",
      "property_id": "100871a31a0e35a9",
      "property_type": "House"
    },
    {
      "address": "31 Panatella Circle NW",
      "city": "Calgary",
      "construction_year": 2004,
      "interior_sq_m": 201.5514678955078,
      "postal_code": "T3K5Z6",
      "property_id": "1009b9c608997e52",
      "property_type": "House"
    },
    {
      "address": "11 Chaparral Valley Garden SE",
      "city": "Calgary",
      "construction_year": 2009,
      "interior_sq_m": 174.7027130126953,
      "postal_code": "T2X0N2",
      "property_id": "100a49f6a821f222",
      "property_type": "House"
    },
    {
      "address": "54 Panamount Road NW",
      "city": "Calgary",
      "construction_year": 2008,
      "interior_sq_m": 203.92047119140625,
      "postal_code": "T3K0H6",
      "property_id": "100b2c6e60c8fbad",
      "property_type": "House"
    },
    {
      "address": "227 Cranford Close SE",
      "city": "Calgary",
      "construction_year": 2012,
      "interior_sq_m": 135.07989501953125,
      "postal_code": "T3M1N3",
      "property_id": "100b45992e3a9842",
      "property_type": "House"
    },
    {
      "address": "46 Cranarch View SE",
      "city": "Calgary",
      "construction_year": 2015,
      "interior_sq_m": 230.2118225097656,
      "postal_code": "T3M2J3",
      "property_id": "100b7f2dba017cce",
      "property_type": "House"
    },
    {
      "address": "78 Cougar Ridge Crescent SW",
      "city": "Calgary",
      "construction_year": 2003,
      "interior_sq_m": 169.82534790039062,
      "postal_code": "T3H5L2",
      "property_id": "100ba8a3cececaca",
      "property_type": "House"
    },
    {
      "address": "90 Cranridge Terrace SE",
      "city": "Calgary",
      "construction_year": 2008,
      "interior_sq_m": 240.7562255859375,
      "postal_code": "T3M0J1",
      "property_id": "100bf13cd6ae2292",
      "property_type": "House"
    },
    {
      "address": "124 Masters Link SE",
      "city": "Calgary",
      "construction_year": 2016,
      "interior_sq_m": 155.0538787841797,
      "postal_code": "T3M2M9",
      "property_id": "100ca7285682a9a7",
      "property_type": "House"
    },
    {
      "address": "1523 20 Street NW",
      "city": "Calgary",
      "construction_year": 2013,
      "interior_sq_m": 125.23225402832033,
      "postal_code": "T2N2K9",
      "property_id": "100d08db9c75945b",
      "property_type": "House"
    },
    {
      "address": "161 Cranwell Bay SE",
      "city": "Calgary",
      "construction_year": 2006,
      "interior_sq_m": 198.7179412841797,
      "postal_code": "T3M1E8",
      "property_id": "100d182e8bc2e62",
      "property_type": "House"
    },
    {
      "address": "24 Westmore Place SW",
      "city": "Calgary",
      "construction_year": 2014,
      "interior_sq_m": 204.756591796875,
      "postal_code": "T3H0Z2",
      "property_id": "100d5a823a3ca83e",
      "property_type": "House"
    },
    {
      "address": "64 Saddlelake Gr NE",
      "city": "Calgary",
      "construction_year": 2011,
      "interior_sq_m": 146.87847900390625,
      "postal_code": "T3J5N9",
      "property_id": "100e2601d4e9c707",
      "property_type": "House"
    },
    {
      "address": "62 Silverado Skies Crescent SW",
      "city": "Calgary",
      "construction_year": 2010,
      "interior_sq_m": 208.1939697265625,
      "postal_code": "T2X0J6",
      "property_id": "100f76fa441a8b27",
      "property_type": "House"
    },
    {
      "address": "8 Redstone Court NE",
      "city": "Calgary",
      "construction_year": 2013,
      "interior_sq_m": 230.90858459472656,
      "postal_code": "T3N0J4",
      "property_id": "100fe39feb4e060c",
      "property_type": "House"
    },
    {
      "address": "31 Cranleigh Gr SE",
      "city": "Calgary",
      "construction_year": 2004,
      "interior_sq_m": 141.9546661376953,
      "postal_code": "T3M2L7",
      "property_id": "1011679061a00cf8",
      "property_type": "House"
    },
    {
      "address": "434 Cranston Drive SE",
      "city": "Calgary",
      "construction_year": 2009,
      "interior_sq_m": 158.90933227539062,
      "postal_code": "T3M0C1",
      "property_id": "1011bbe15bf9928f",
      "property_type": "House"
    },
    {
      "address": "168 Covepark Way NE",
      "city": "Calgary",
      "construction_year": 2002,
      "interior_sq_m": 122.8167953491211,
      "postal_code": "T3K5T7",
      "property_id": "10125cbfb151a726",
      "property_type": "House"
    },
    {
      "address": "91 Evanscrest Terrace NW",
      "city": "Calgary",
      "construction_year": 2016,
      "interior_sq_m": 157.0048370361328,
      "postal_code": "T3P0R6",
      "property_id": "101342654be530d4",
      "property_type": "House"
    },
    {
      "address": "157 Cougar Ridge Close SW",
      "city": "Calgary",
      "construction_year": 2013,
      "interior_sq_m": 194.81605529785156,
      "postal_code": "T3H0V4",
      "property_id": "1013f1896836eb1d",
      "property_type": "House"
    },
    {
      "address": "308 Prestwick Terrace SE",
      "city": "Calgary",
      "construction_year": 2007,
      "interior_sq_m": 149.10813903808594,
      "postal_code": "T2Z4Y6",
      "property_id": "10144f1496ef7eb2",
      "property_type": "House"
    },
    {
      "address": "117 Sherwood Way NW",
      "city": "Calgary",
      "construction_year": 2004,
      "interior_sq_m": 222.96730041503903,
      "postal_code": "T3R1M8",
      "property_id": "10153241b8d1916e",
      "property_type": "House"
    },
    {
      "address": "229 Evansdale Way NW",
      "city": "Calgary",
      "construction_year": 2009,
      "interior_sq_m": 147.76104736328125,
      "postal_code": "T3P0C3",
      "property_id": "1016419a8159eb02",
      "property_type": "House"
    },
    {
      "address": "104 Weston Manor SW",
      "city": "Calgary",
      "construction_year": 2004,
      "interior_sq_m": 183.4819793701172,
      "postal_code": "T3H5N8",
      "property_id": "10171870118aa285",
      "property_type": "House"
    },
    {
      "address": "2609 7 Avenue NW",
      "city": "Calgary",
      "construction_year": 2007,
      "interior_sq_m": 272.66815185546875,
      "postal_code": "T2N1A6",
      "property_id": "10177efba3636a6b",
      "property_type": "House"
    },
    {
      "address": "73 Everwillow Boulevard SW",
      "city": "Calgary",
      "construction_year": 2002,
      "interior_sq_m": 189.56707763671875,
      "postal_code": "T2Y4G4",
      "property_id": "10178856462f78b0",
      "property_type": "House"
    },
    {
      "address": "269 Auburn Crest Way SE",
      "city": "Calgary",
      "construction_year": 2013,
      "interior_sq_m": 150.0371551513672,
      "postal_code": "T3M1T2",
      "property_id": "1018f3c707d466dd",
      "property_type": "House"
    },
    {
      "address": "20 Royal Highland Court NW",
      "city": "Calgary",
      "construction_year": 2001,
      "interior_sq_m": 166.48159790039062,
      "postal_code": "T3G4Y2",
      "property_id": "101978dfd81ba829",
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    {
      "address": "457 Saddlelake Drive NE",
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    {
      "address": "34 Rock Lake View NW",
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      "address": "215 Patton Court SW",
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    {
      "address": "75 Walden Heights SE",
      "city": "Calgary",
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    {
      "address": "380 Street Moritz Drive SW",
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    {
      "address": "125 Sienna Heights Hill SW",
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    {
      "address": "448 18 Avenue NE",
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    {
      "address": "37 Skyview Springs Crescent NE",
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    {
      "address": "402 Martindale Drive NE",
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    {
      "address": "29 Evansford Grove NW",
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      "postal_code": "T3P1G7",
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    {
      "address": "208 Citadel Meadow Bay NW",
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    {
      "address": "192 Everbrook Drive SW",
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      "address": "355 Chapala Point SE",
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      "address": "218 3600 15A Street SW",
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      "address": "20 Saddlelake Common NE",
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      "address": "102 Auburn Sound Manor SE",
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      "address": "134 Cranarch Close SE",
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    {
      "address": "642 26 Avenue NW",
      "city": "Calgary",
      "construction_year": 2013,
      "interior_sq_m": 167.40988159179688,
      "postal_code": "T2M2E5",
      "property_id": "10368944990cd3cf",
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    {
      "address": "149 Elgin Garden SE",
      "city": "Calgary",
      "construction_year": 2004,
      "interior_sq_m": 117.89297485351562,
      "postal_code": "T2Z4N1",
      "property_id": "1036f3d33d931ee2",
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    {
      "address": "1408 21A Street NW",
      "city": "Calgary",
      "construction_year": 2004,
      "interior_sq_m": 125.23225402832033,
      "postal_code": "T2N2M4",
      "property_id": "10383c77f8691e48",
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  "ui_info": {
    "city": "Calgary",
    "city_id": "6ec95b53075d062c",
    "city_link": "ca/ab/calgary",
    "city_slug": "calgary",
    "country": "Canada",
    "country_abbreviation": "CA",
    "country_abbreviation_id": "9ace2b6431b7f1be",
    "country_abbreviation_link": "ca",
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    "province": "Alberta",
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    "province_abbreviation_id": "aae1f05a0f89d2c7",
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}

A targeted mailing list: homes where warranty coverage makes sense and owners are likely interested.

What the API provides vs. what it doesn't

Available data:

  • Construction year
  • Property type (house, condo, townhouse, etc.)
  • Interior square footage
  • Heating type, cooling type
  • Bedrooms, bathrooms
  • Assessment value
  • Address and location

Not available:

  • Age of specific appliances
  • Maintenance history
  • Previous claims
  • Specific equipment brands/models

Combined with your claims data, property characteristics give you a much better pricing starting point than address alone.

Pricing

  • Property lookups: Most fields cost a tenth of a cent per field per property
  • Search by address: Billed per field, the same as every other endpoint

A few cents per application lookup, on pay-as-you-go pricing with a $99 USD monthly minimum. If better accuracy saves one claim per thousand policies, it pays for itself many times over.

Getting started

  1. Get started with API access
  2. Test with known addresses you have claims data on
  3. Correlate with your claims to find predictive characteristics
  4. Build into your application flow to enrich automatically

Check our API documentation or contact us to discuss integration.

See more blog posts →