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Reviewed · Updated 2026-06-19

cape analytics

AI-powered property intelligence platform for risk assessment and insurance underwriting.

Reviewed by the Conversion Gems editorial team ·
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Pricing
Paid
Best for
Insurers
Category
Analytics & Data
The bottom line

Enterprise geospatial property intelligence for serious insurance underwriters — now backed by Moody's risk modeling infrastructure.

7.1
Our score
7.1 / 10
Conversion Gems editorial verdict
Custom enterprise pricing; contact for quote
Features9/10
9 - aerial imagery, roof condition rating, peril risk, change detection, COPE analysis; automates 70%+ of personal lines applications.
Value6/10
6 - no public pricing; enterprise-only model makes value opaque and inaccessible for most buyers.
Ease of use5/10
5 - API and batch delivery require integration work; no self-serve trial, sandbox, or quick-start path.
Ecosystem8/10
8 - now embedded in Moody's Intelligent Risk Platform; adopted by 50%+ of top US carriers.
Support7/10
7 - dedicated enterprise support model, strengthened by Moody's resources post-acquisition.
What it really is

CAPE Analytics — AI-powered geospatial property intelligence platform for insurance underwriting, now a Moody's company.

Our take

CAPE Analytics delivers address-level property risk intelligence to insurers and lenders via aerial imagery, computer vision, and machine learning. Its Roof Condition Rating is trusted by over half of top US carriers and approved for ratemaking in 40 states. Acquired by Moody's in January 2025, it now integrates into Moody's Intelligent Risk Platform. DB listed price_tier as 'paid'; correct tier is 'custom' — enterprise-only with no public pricing. DB category 'Developer & Technical' is also a mislabel; this is an InsurTech / property risk analytics platform.

Why we rate it

Proven loss-predictive accuracy, 70%+ automation of personal lines applications, ratemaking approval in 40 US states, and Moody's backing make CAPE the benchmark for AI-driven property intelligence in the carrier market.

The catch

Fully enterprise and custom-priced with no self-serve access or free trial. Smaller carriers and startups face a long enterprise sales cycle before seeing any output.

Best for
P&C insurers automating underwriting at scale
Mortgage lenders and portfolio managers assessing property risk
Commercial lines carriers performing COPE analysis
Not good for
Startups or small teams without enterprise budgets
Non-insurance use cases needing generic property data
Teams requiring self-serve access or sandbox trials
Friction report
Time to value
Slow: enterprise sales cycle and integration required before any access to data.
Scale breakpoint
Volume-based pricing may escalate sharply as API call volumes grow across large portfolios.
Walled garden
High: proprietary data pipeline and CAPE-specific risk scores with no data portability.

Frequently Asked Questions

Alternatives

Step up

Moody's Intelligent Risk Platform for full catastrophe modeling and portfolio-level analytics.

Lighter alternative

CoreLogic Property Intelligence for lower-friction geospatial property data with broader market entry.

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Tags

#PropertyInsurance#AI

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