For property insurers
Ask for the address. We fill in the rest.
More than 20 building details and a reconstruction value for any address in Belgium and Luxembourg. Fewer questions for your customer, a sharper price for you.
Rebuild cost includedBelgium & Luxembourg
7 insurers in Belgium and Luxembourg use our data to price risk · full 3D detail on ~92% of addresses · every answer states how much detail it carries
The infrastructure property insurers in Belgium and Luxembourg build on.
Trusted by insurers and credit institutions across Belgium and Luxembourg.
How it works
One address in. Everything you need to price out.
Today the customer answers a dozen questions about their own home — type of roof, total surface, secondary buildings — and often does not know the answers. We replace that list with one field.
One question from the customer
They type an address and confirm the building on a map. That is the whole input — nobody fills in a 14-field form.
Address, not a form
Twenty-plus details back
Building type, façades, living area, volume, roof surface and tilt, garden, pool, secondary buildings, distance to a flood zone — matched from public maps, cadastre, aerial imagery and lidar.
Matched from open data
A rebuild cost with it
What it would cost to rebuild the house as it stands, under today’s building rules — VAT, architect fees and demolition included.
Volume-based, not comparables
Who has to say yes
Two teams have to agree before this goes live.
Distribution wants a shorter form and fewer people dropping out halfway. Pricing wants data it can defend in a technical premium. Here is the case for each, in that order.
New policies
Price a home policy while the customer is still in the flow.
One field from them, everything else from us. There is no form left to abandon.
1
field from the customer
20+
details added by us
1
API call into your quote flow
Rebuild cost
included, not asked for
Questions to the customer
Same quote, same address
Your form today
14 questions
about their own home · answers they may not have
With Rock.estate
1 question
the address · everything else pre-filled
1 tap
picks the right building when one address covers more than one — that is what keeps your happy flow high.
Rue Haute 14, 1000In line
Av. Louise 220, 1050Under-insured
Parklaan 9, 2000Over-insured
Sum insured vs. rebuild cost
Across the whole book
Existing policies & portfolio
Find the policies that are
over- or under-insured.
Run your whole book against our rebuild costs and see where the sum insured no longer matches the house.
Over / under
flagged per policy
Severity
priced from rebuild cost
Frequency
priced from building details
Disaster
impact simulated by area
Coverage
An answer for every address — and we tell you how good it is.
Not every address gives the same depth. Every answer carries its level, so your exception handling is a rule instead of a surprise.
~92%
full 3D model
footprint plus a 3D vector model of the building
~5.5%
address and footprint
outline of the building, no 3D model
~1%
location only
flagged, so your exception rule can pick it up
Pricing & actuarial
Where the rebuild cost comes from.
The rebuild cost is the number your premium rests on. In most policies it is whatever the customer guessed when they signed. Here is how ours is built — and what happens when a model is not enough.
Weak basis for a premium
What the customer tells you
Whatever they remembered or guessed when they signed. It drifts every year after that.
A comparables model
Trained on other rebuild values. The training data is thin and biased, and the model ends up learning from its own output.
What we run
A volume-based model
Built the way a surveyor works: split the building into parts, price each part per cubic metre, adjust for shape and roof.
An expert on site
When the building, or your own policy, asks for more than a model. 50+ certified experts across Belgium and Luxembourg.
Due diligence on the number
What your pricing team will ask.
Distribution decides it wants a shorter form. Pricing decides whether the number behind it is good enough to charge on.
What exactly is in the number?
The full cost to rebuild the house in the same state, under today’s building rules. It includes VAT, the architect and demolition. It does not include secondary buildings.
Defined, not assumed
Do we have to change our pricing?
No. There are two ways in: keep your current grid and let us pre-fill the questions behind it, or move to a volume-based premium and drop most of the questions. The same data serves both.
Your grid, or a new one
How do we know it works on our portfolio?
You start with a slice of it. We enrich your policies with our data and compare against your own claim history, so you see the lift before you commit to anything.
Test on your own book
Not an insurer?
See the workflow for mortgage lenders →For lenders, insurers and financial institutions
Bring ten real files to the call.
We'll run them through the workflow live — and show you which files come back desktop and which we'd route on-site, before you commit to anything.
For lender, insurer and financial-institution teams
Discuss desktop, on-site and portfolio valuation workflows
Full name
Jane Janssens
Work email
you@bank.be
We'll only use your details to arrange the meeting.
Already a customer? Use the contact form →