Home warranty companies: Use property age and characteristics for better pricing
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": 4.38,
"data": [
{
"address": "518 Rochester Terrace NW",
"assessment_value": 1300000,
"bathroom_full": 2,
"bedroom": 3,
"construction_year": 2023,
"cooling_type_first": "None",
"heating_type_first": "Gas furnace",
"interior_sq_m": 169.45374,
"property_id": "103f92f6cf7bbdd9",
"property_type": "Land"
},
{
"address": "36 Crimson Ridge Heights NW",
"assessment_value": 194000,
"bathroom_full": 2,
"bedroom": 3,
"construction_year": 2024,
"cooling_type_first": "None",
"heating_type_first": "Gas furnace",
"interior_sq_m": 169.45374,
"property_id": "104fb85a9c002e5d",
"property_type": "Commercial"
},
{
"address": "54 Rowmont Link NW",
"assessment_value": 853500,
"bathroom_full": 2,
"bedroom": 3,
"construction_year": 2023,
"cooling_type_first": "None",
"heating_type_first": "Gas furnace",
"interior_sq_m": 169.45374,
"property_id": "1055f97323e53f25",
"property_type": "House"
},
{
"address": "499 Rochester Terrace NW",
"assessment_value": 888000,
"bathroom_full": 2,
"bedroom": 3,
"construction_year": 2023,
"cooling_type_first": "None",
"heating_type_first": "Gas furnace",
"interior_sq_m": 169.45374,
"property_id": "1106094a42c3757d",
"property_type": "Land"
},
{
"address": "304 30 Rochester View NW",
"assessment_value": 105000,
"bathroom_full": 2,
"bedroom": 2,
"construction_year": 1800,
"cooling_type_first": "None",
"heating_type_first": "Gas furnace",
"interior_sq_m": 121.70197,
"property_id": "1198b011e799062c",
"property_type": "Townhouse"
},
{
"address": "95 Royston He NW",
"assessment_value": 918500,
"bathroom_full": 2,
"bedroom": 3,
"construction_year": 2023,
"cooling_type_first": "None",
"heating_type_first": "Gas furnace",
"interior_sq_m": 169.45374,
"property_id": "11aa161875771a70",
"property_type": "Land"
}
],
"error": "",
"pagination": {
"current_page": 1,
"has_next_page": true,
"has_previous_page": false,
"page_total": 110113
},
"price_quote": false,
"result_total": 660677,
"time_ms": 34,
"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. Where a record states it, heating_install_year_first dates the heating equipment itself, and water_heater_install_year does the same for the water heater.
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": 0.19999999,
"data": [
{
"address": "123 Main Street",
"property_id": "aafadb43ded908a3"
},
{
"address": "123 Main Street",
"property_id": "ae06f5914a609e6d"
},
{
"address": "123 Midcrest Crescent SE",
"property_id": "d5f6e3fa9a720e57"
},
{
"address": "123 Masters Street SE",
"property_id": "4a7f48fcb67f69a4"
},
{
"address": "123 Marquis Green SE",
"property_id": "8708c4475c5f506c"
},
{
"address": "123 Mahogany Garden SE",
"property_id": "8cf6a0fcc9b0b412"
},
{
"address": "123 Masters Green SE",
"property_id": "f89f8666ba3e35b2"
},
{
"address": "123 Magnolia Street SE",
"property_id": "fa8f7d9379def645"
},
{
"address": "123 Maple Court Crescent SE",
"property_id": "8073cca1a36c4f0f"
},
{
"address": "123 Martin Crossing Parade NE",
"property_id": "21363aba66dcca7f"
}
],
"error": "",
"match_meta": [
{
"match_value": 0.7,
"property_id": "aafadb43ded908a3"
},
{
"match_value": 0.7,
"property_id": "ae06f5914a609e6d"
},
{
"match_value": 0.7,
"property_id": "d5f6e3fa9a720e57"
},
{
"match_value": 0.7,
"property_id": "4a7f48fcb67f69a4"
},
{
"match_value": 0.7,
"property_id": "8708c4475c5f506c"
},
{
"match_value": 0.7,
"property_id": "8cf6a0fcc9b0b412"
},
{
"match_value": 0.7,
"property_id": "f89f8666ba3e35b2"
},
{
"match_value": 0.7,
"property_id": "fa8f7d9379def645"
},
{
"match_value": 0.7,
"property_id": "8073cca1a36c4f0f"
},
{
"match_value": 0.7,
"property_id": "21363aba66dcca7f"
}
],
"price_quote": false,
"result_total": 10,
"time_ms": 64
}
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": "112 Hanover Road SW",
"city": "Calgary",
"construction_year": 2009,
"interior_sq_m": 234.20662,
"postal_code": "T2V3J4",
"property_id": "1b79ca76b771eaba",
"property_type": "House"
},
{
"address": "135 Hillgrove Crescent SW",
"city": "Calgary",
"construction_year": 2010,
"interior_sq_m": 276.75815,
"postal_code": "T2V3K9",
"property_id": "1fe28feb6f72024b",
"property_type": "House"
},
{
"address": "36 Hillary Crescent SW",
"city": "Calgary",
"construction_year": 2012,
"interior_sq_m": 219.25117,
"postal_code": "T2V3J2",
"property_id": "aa17bd8536cd010e",
"property_type": "House"
},
{
"address": "935 87 Avenue SW",
"city": "Calgary",
"construction_year": 2006,
"interior_sq_m": 104.23634,
"postal_code": "T2V0W2",
"property_id": "ca5e144d7042afd1",
"property_type": "House"
},
{
"address": "28 Hanover Road SW",
"city": "Calgary",
"construction_year": 2015,
"interior_sq_m": 208.84604,
"postal_code": "T2V3J4",
"property_id": "fdf702a51f48d79d",
"property_type": "House"
},
{
"address": "213 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "101a7b3c1252295b",
"property_type": "House"
},
{
"address": "1908 32 Avenue SW",
"city": "Calgary",
"construction_year": 2015,
"interior_sq_m": 182.83318,
"postal_code": "T2T1W4",
"property_id": "111e99bf04e60ed",
"property_type": "House"
},
{
"address": "1611 29 Avenue SW",
"city": "Calgary",
"construction_year": 2009,
"interior_sq_m": 195.09639,
"postal_code": "T2T1M6",
"property_id": "11c7409ac2b06dd1",
"property_type": "House"
},
{
"address": "1932 31 Avenue SW",
"city": "Calgary",
"construction_year": 2011,
"interior_sq_m": 251.20982,
"postal_code": "T2T1S9",
"property_id": "124062afc5131f0b",
"property_type": "House"
},
{
"address": "1811 29 Avenue SW",
"city": "Calgary",
"construction_year": 2001,
"interior_sq_m": 194.53897,
"postal_code": "T2T1M9",
"property_id": "1346d7851b199109",
"property_type": "House"
},
{
"address": "1727 30 Avenue SW",
"city": "Calgary",
"construction_year": 2011,
"interior_sq_m": 162.39452,
"postal_code": "T2T1P6",
"property_id": "1353e8917424fee9",
"property_type": "House"
},
{
"address": "1921 30 Avenue SW",
"city": "Calgary",
"construction_year": 2001,
"interior_sq_m": 336.5877,
"postal_code": "T2T1R1",
"property_id": "14879d8a0f2b3f8e",
"property_type": "House"
},
{
"address": "1940 32 Avenue SW",
"city": "Calgary",
"construction_year": 2013,
"interior_sq_m": 179.11707,
"postal_code": "T2T1W4",
"property_id": "15da81201eda0535",
"property_type": "House"
},
{
"address": "109 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "16887bd3c2c9d04c",
"property_type": "House"
},
{
"address": "106 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "172e5c91a0f3844d",
"property_type": "House"
},
{
"address": "1931 30 Avenue SW",
"city": "Calgary",
"construction_year": 2005,
"interior_sq_m": 180.0461,
"postal_code": "T2T1R1",
"property_id": "1a44ad1550792253",
"property_type": "House"
},
{
"address": "1829 30 Avenue SW",
"city": "Calgary",
"construction_year": 2004,
"interior_sq_m": 186.5493,
"postal_code": "T2T1P8",
"property_id": "1ab54890909fe4a",
"property_type": "House"
},
{
"address": "1724 31 Avenue SW",
"city": "Calgary",
"construction_year": 2012,
"interior_sq_m": 223.80342,
"postal_code": "T2T1S5",
"property_id": "1b164cc011f8a1c6",
"property_type": "House"
},
{
"address": "1905 31 Avenue SW",
"city": "Calgary",
"construction_year": 2004,
"interior_sq_m": 169.08212,
"postal_code": "T2T1T1",
"property_id": "1b25d65441132db7",
"property_type": "House"
},
{
"address": "1 1628 29 Avenue SW",
"city": "Calgary",
"construction_year": 2006,
"interior_sq_m": 178.65254,
"postal_code": "T2T1M5",
"property_id": "1b542f82821ea806",
"property_type": "House"
},
{
"address": "1734 31 Avenue SW",
"city": "Calgary",
"construction_year": 2010,
"interior_sq_m": 190.3156,
"postal_code": "T2T1S5",
"property_id": "1be5d6076c59ec3a",
"property_type": "House"
},
{
"address": "202 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "2163a8df2b607c3c",
"property_type": "House"
},
{
"address": "306 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "218a1b9b313ef850",
"property_type": "House"
},
{
"address": "305 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "246d7246ebf94ec1",
"property_type": "House"
},
{
"address": "1732 31 Avenue SW",
"city": "Calgary",
"construction_year": 2010,
"interior_sq_m": 190.3156,
"postal_code": "T2T1S5",
"property_id": "24b1233a2606a93a",
"property_type": "House"
},
{
"address": "102 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "25805b97020aa25",
"property_type": "House"
},
{
"address": "2014 32 Avenue SW",
"city": "Calgary",
"construction_year": 2012,
"interior_sq_m": 297.75177,
"postal_code": "T2T1W6",
"property_id": "271662c56f8485ff",
"property_type": "House"
},
{
"address": "2 1628 29 Avenue SW",
"city": "Calgary",
"construction_year": 2006,
"interior_sq_m": 153.29001,
"postal_code": "T2T1M5",
"property_id": "27fa9f9a6b25df6",
"property_type": "House"
},
{
"address": "1812 29 Avenue SW",
"city": "Calgary",
"construction_year": 2007,
"interior_sq_m": 178.65254,
"postal_code": "T2T1M8",
"property_id": "285f36478cdacad2",
"property_type": "House"
},
{
"address": "1706 32 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 172.38087,
"postal_code": "T2T1V9",
"property_id": "289bf8093f193b61",
"property_type": "House"
},
{
"address": "217 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "2992ef96d93d2d68",
"property_type": "House"
},
{
"address": "2005 31 Avenue SW",
"city": "Calgary",
"construction_year": 2014,
"interior_sq_m": 232.35051,
"postal_code": "T2T1T3",
"property_id": "29d92d06fd32b826",
"property_type": "House"
},
{
"address": "1515 32 Avenue SW",
"city": "Calgary",
"construction_year": 2004,
"interior_sq_m": 268.48755,
"postal_code": "T2T1V7",
"property_id": "2aa779274d1a0a8b",
"property_type": "House"
},
{
"address": "1936 32 Avenue SW",
"city": "Calgary",
"construction_year": 2010,
"interior_sq_m": 158.8642,
"postal_code": "T2T1W4",
"property_id": "2bdea6fb856948d2",
"property_type": "House"
},
{
"address": "1609 29 Avenue SW",
"city": "Calgary",
"construction_year": 2009,
"interior_sq_m": 195.09639,
"postal_code": "T2T1M6",
"property_id": "2cf883beb923c56",
"property_type": "House"
},
{
"address": "1731 32 Avenue SW",
"city": "Calgary",
"construction_year": 2014,
"interior_sq_m": 273.97107,
"postal_code": "T2T1W1",
"property_id": "2e395a54294c3197",
"property_type": "House"
},
{
"address": "101 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "2f10a0220f5c424e",
"property_type": "House"
},
{
"address": "2027 32 Avenue SW",
"city": "Calgary",
"construction_year": 2005,
"interior_sq_m": 154.77646,
"postal_code": "T2T1W7",
"property_id": "31dc2db535ba370b",
"property_type": "House"
},
{
"address": "1931 31 Avenue SW",
"city": "Calgary",
"construction_year": 2010,
"interior_sq_m": 304.25745,
"postal_code": "T2T1T1",
"property_id": "31e4657ab4c70419",
"property_type": "House"
},
{
"address": "1840 30 Avenue SW",
"city": "Calgary",
"construction_year": 2006,
"interior_sq_m": 184.59834,
"postal_code": "T2T1P7",
"property_id": "324e015b09e24eef",
"property_type": "House"
},
{
"address": "2026 32 Avenue SW",
"city": "Calgary",
"construction_year": 2001,
"interior_sq_m": 149.10938,
"postal_code": "T2T1W6",
"property_id": "34cbcaf1ea68c62c",
"property_type": "House"
},
{
"address": "203 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "35b4b474eee37063",
"property_type": "House"
},
{
"address": "1833 29 Avenue SW",
"city": "Calgary",
"construction_year": 2008,
"interior_sq_m": 228.07697,
"postal_code": "T2T1M9",
"property_id": "3a47bd36d73f72ee",
"property_type": "House"
},
{
"address": "405 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "3acf3028a2d9ca2d",
"property_type": "House"
},
{
"address": "1720 31 Avenue SW",
"city": "Calgary",
"construction_year": 2007,
"interior_sq_m": 229.1918,
"postal_code": "T2T1S5",
"property_id": "3b19dc8c6cb551a",
"property_type": "House"
},
{
"address": "1716 32 Avenue SW",
"city": "Calgary",
"construction_year": 2010,
"interior_sq_m": 173.72868,
"postal_code": "T2T1V9",
"property_id": "3b8966df21b2defd",
"property_type": "House"
},
{
"address": "1915 32 Avenue SW",
"city": "Calgary",
"construction_year": 2002,
"interior_sq_m": 145.67197,
"postal_code": "T2T1W5",
"property_id": "3c2a02f9c1dabdb6",
"property_type": "House"
},
{
"address": "1917 30 Avenue SW",
"city": "Calgary",
"construction_year": 2003,
"interior_sq_m": 179.76738,
"postal_code": "T2T1R1",
"property_id": "3e480942adb95eb0",
"property_type": "House"
},
{
"address": "1615 27 Avenue SW",
"city": "Calgary",
"construction_year": 2004,
"interior_sq_m": 174.84207,
"postal_code": "T2T1G7",
"property_id": "3ede07264903406c",
"property_type": "House"
},
{
"address": "209 1510 30 Avenue SW",
"city": "Calgary",
"construction_year": 2016,
"interior_sq_m": 173.72868,
"postal_code": "T2T1P3",
"property_id": "42254d8c0506c7c8",
"property_type": "House"
},
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{
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{
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{
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{
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{
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{
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{
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{
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{
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{
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{
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{
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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
- Install years and brands for the heating, cooling, water heater, and kitchen and laundry appliances, where a record states them (heating_install_year_first, water_heater_install_year, kitchen_appliance_brand and their neighbours)
- Bedrooms, bathrooms
- Assessment value
- Address and location
Not available:
- Maintenance history
- Previous claims
- Model numbers of specific equipment
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
- Get started with API access
- Test with known addresses you have claims data on
- Correlate with your claims to find predictive characteristics
- Build into your application flow to enrich automatically
Check our API documentation or get an API key to start building.