LexisNexis Risk Solutions has filed its Attract Home 5.0 homeowners risk model in Nevada, submitted August 25, 2025. The filing is not an insurance product and carries no direct policyholder or premium impact.

Attract Home 5.0 is a credit-based risk assessment and rating tool that generates scores between 200 and 997 to help carriers “better understand and categorize adjusted loss costs.” The model applies controls for commonly rated variables—such as age, Coverage A, and territory—so the score operates independently of them. It was developed using personal home policy loss data from 2012 and 2013.

LexisNexis does not sell insurance directly; it positions itself as a model provider. Insurers licensing the score remain responsible for their own filings, including the required Credit Scoring Statement. In this filing, LexisNexis explicitly bypasses that step, underscoring its role as a data vendor rather than a carrier.

The product fits into the growing ecosystem of third-party risk models, where carriers embed vendor scores into their rating plans to refine underwriting decisions and align pricing with expected loss costs.