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Homeowners Rating Platform for MGAs and Wholesalers

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 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.

Built on the Selectsys Commercial & Specialty 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.

Learn more about the full platform here

How Homeowners Rating Works

Direct Carrier API Rating

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.

Proprietary Homeowners Programs

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.

Carriers Supported for Homeowners

The Homeowners Rating Platform is integrated in production with multiple national and specialty carriers supporting homeowners coverage.

Carriers currently integrated for Homeowners include:

  • markel
  • Canopius
  • hippo
  • augold
  • hiscox
  • BRIT
  • geovera
  • openly
  • msi

Additional homeowners carriers can be onboarded where MGA or wholesaler appointments exist. New carrier API integrations are typically delivered in approximately six weeks.

From Quote to Bind to Issue for Homeowners

This line fails most often when rating is disconnected from execution.

For programs that require full lifecycle workflows, the platform supports:

  • Quote generation
  • Binding workflows
  • Policy issuance
  • Endorsements and coverage changes
  • Renewals and rewrites
  • Cancellations and non renewals

This reduces manual handling and shortens turnaround time for homeowners placement.

Integrated Accounting for Homeowners Programs

When combined with Selectsys accounting capabilities, MGAs and wholesalers can:

  • Collect homeowners premiums at bind
  • Manage trust and premium accounting
  • Reconcile carrier payables
  • Track endorsements and adjustments
  • Maintain policy level financial accuracy

This ensures clean financial operations for homeowners programs.

Built for High Volume and Program Driven Homeowners Placement

The Homeowners Rating Platform is designed for organizations that:

  • Place high volumes of residential homeowners policies
  • Operate delegated authority homeowners programs
  • Handle catastrophe exposed risks
  • Operate across multiple states
  • Need speed with underwriting accuracy

The platform is already running inside organizations that operate this way today.

Related Line Platforms

Homeowners is commonly paired with residential and property lines:

Related Insights

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 rating platform that scales with your business.