A production ready comparative rating platform supporting residential homeowners programs across multiple carriers
Homeowners insurance placement requires accurate property data, underwriting discipline, and fast turnaround. Rating is influenced by location, construction details, replacement cost, protection class, catastrophe exposure, and coverage options. MGAs and wholesalers often struggle with fragmented carrier portals and manual workflows when placing homeowners business at scale.
Selectsys built a production-ready homeowners insurance rating and comparative rating platform that enables MGAs and wholesalers to rate, quote, bind, issue, and manage homeowners policies within a single unified system. The platform is live today and designed for program business, delegated authority, and wholesale distribution models.
Homeowners insurance rating is the process of pricing residential property coverage based on location, construction details, replacement cost, protection class, catastrophe exposure, and coverage selections.
Comparative rating allows MGAs, wholesalers, and carriers to compare homeowners pricing, coverage options, and underwriting outcomes across multiple carriers within a single submission workflow.
Selectsys supports homeowners rating whether teams need a standalone rater, a comparative rating engine, or a full residential insurance rating platform.
The Homeowners Rating Platform operates within the broader Selectsys Commercial & Specialty Rating Platform. This allows homeowners to be managed alongside Residential Flood, Commercial Property, and other property related lines in a single operational environment.
See how MGAs and wholesalers scale this line using unified rating, binding, issuance, and accounting workflows.
Compare homeowners pricing, deductibles, and carrier eligibility across multiple markets in a single submission
For carriers and homeowners programs that support API based workflows, Selectsys enables real time homeowners rating and quoting directly from the platform. Where supported, workflows extend from quote through bind and policy issuance.
New homeowners carrier API integrations can typically be delivered in approximately six weeks, assuming carrier access and documentation are available.
For delegated authority and program business, Selectsys supports proprietary homeowners rating where rates and underwriting logic are owned by the MGA or carrier. This enables faster program launches and greater control over underwriting models without custom platform development.
The homeowners insurance rating and comparative rating platform is integrated in production with multiple national and specialty carriers supporting homeowners coverage.
Carriers currently integrated for Homeowners include:
Additional homeowners carriers can be onboarded where MGA or wholesaler appointments exist. New carrier API integrations are typically delivered in approximately six weeks.
This line fails most often when rating is disconnected from execution.
For programs that require full lifecycle workflows, the platform supports:
This reduces manual handling and shortens turnaround time for homeowners placement.
When combined with Selectsys accounting capabilities, MGAs and wholesalers can:
This ensures clean financial operations for homeowners programs.
The Homeowners Rating Platform is designed for organizations that:
The platform is already running inside organizations that operate this way today.
If homeowners placement is slowing your programs or limiting growth, we should talk. Selectsys can support your existing homeowners carriers, onboard new ones quickly, and provide a production-ready homeowners insurance rating and comparative rating platform that scales with your business.
Premium collection following rate quote bind is automated through CoverPay, enabling installment billing and endorsement recalculation without third party billing integrations.
