HomeQuotr vs CoreLogic
CoreLogic, rebranded Cotality in 2025, is a property-data and analytics company whose Marshall & Swift solution is a long-standing standard for insurers setting dwelling coverage limits from a modeled reconstruction cost.
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HomeQuotr and CoreLogic both ship home cost data to insurers. CoreLogic's Marshall & Swift models the cost to rebuild a structure for coverage-limit setting, priced through quote-based enterprise agreements. HomeQuotr reports realized per-city-trade repair cost from municipal permits for mid-market underwriting, at a published $799 to $15,000+ per month with a Custom-tier actuarial review letter.
How HomeQuotr and CoreLogic Compare
Eight dimensions that matter to a buyer. Every claim about CoreLogic traces to a public source. Every claim about HomeQuotr traces to the published methodology at /methodology.
| Dimension | CoreLogic | HomeQuotr |
|---|---|---|
| What it measures | The modeled cost to rebuild an entire structure, for coverage-limit setting and insurance-to-value adequacy. | The realized cost of a specific trade repair (HVAC, roof, electrical, plumbing, foundation, solar) in a specific city. |
| Data origin | Researched material and labor cost factors assembled into a modeled replacement-cost value. | Municipal building permits. Arms-length government records of work actually filed and valued. |
| Pricing model | Enterprise and subscription pricing not publicly disclosed. Quote-based carrier data agreements. | Published $799 to $15,000+ per month tier ladder. Self-serve at Starter and Growth. |
| Procurement cycle | Enterprise data agreement with a quote-based cycle and carrier onboarding. | 30 to 45 days at mid-market. Starter and Growth sign in a Stripe checkout. 30 days to first delivery at Custom. |
| Methodology disclosure | Proprietary cost model. Customer-side actuarial validation required for rate-filing defensibility. | Published at /methodology with versioned sub-documents covering severity, peril mapping, and frequency modeling. |
| Actuarial defensibility | Customer runs their own validation against a proprietary cost model. | Custom tier ships with a per-customer actuarial review letter signed by an FCAS or ACAS-credentialed actuary referencing ASOP 41, 43, and 53. |
| Customer fit | Carriers setting coverage limits, plus appraisers and assessors valuing full reconstruction. | Mid-market home warranty operators, mid-market MGAs in specialty home lines, regional P&C carriers, and solar financing platforms. |
| Use case | Coverage-limit setting and total reconstruction valuation. | Underwriting, pricing, dispatch cost models, and reserve support at the trade-repair level. Not coverage-limit setting. |
Who Each Is Best For
CoreLogic Best For
- Insurers setting dwelling coverage limits and testing insurance-to-value adequacy from a modeled reconstruction cost.
- Appraisers and assessors who need a researched replacement-cost value for an entire structure.
- Carriers that want construction cost inside a broad property-data and risk-analytics ecosystem.
- Buyers who can absorb an enterprise data agreement and a quote-based procurement cycle.
HomeQuotr Best For
- Mid-market home warranty operators anchoring dispatch cost models and policy pricing in a permit-sourced per-city-trade median.
- Mid-market specialty MGAs in home lines pricing trade-level repair severity under a published methodology version.
- Regional P&C carriers that need realized repair cost by city and trade for underwriting and reserve modeling, not total reconstruction cost.
- Solar financing platforms underwriting installation cost and net-of-incentive cost from permits and DSIRE incentive data.
- Buyers who need a published $799 to $15,000+ per month tier ladder, a 30 to 45 day sales cycle, and a Custom-tier actuarial review letter.
The Detailed Comparison
Pricing
CoreLogic's Marshall & Swift pricing is not publicly disclosed. Access runs through SwiftEstimator subscriptions and enterprise carrier data agreements on a quote basis. That structure fits a carrier with an existing replacement-cost line item and a procurement function. It is heavier than a mid-market home warranty operator, specialty MGA, or solar financing platform wants to carry. HomeQuotr publishes every tier price. Starter is $799 per month and signs in a Stripe checkout, Growth is $2,499 per month and signs the same way, Scale is $4,999 per month, Enterprise is $7,499 per month, and Custom starts at $15,000 per month. The published ladder is the point: a mid-market payer can start without a procurement cycle.
Data Origin
The two products measure different things. Marshall & Swift assembles researched material and labor cost factors into a modeled value for the cost to rebuild an entire structure. That modeled replacement cost is the correct input for setting coverage limits, where the question is what it would take to reconstruct the home after a total loss. HomeQuotr aggregates municipal building permits, which are arms-length government records of work that contractors actually filed and valued. That realized cost is the correct input for the question a warranty operator or MGA actually asks: what does an HVAC replacement, a reroof, or a panel upgrade actually cost in this city. A modeled cost to rebuild and an observed cost to repair are not substitutes, and treating one as the other is where underwriting error creeps in.
Sales Motion
CoreLogic is an enterprise data sale. Access to Marshall & Swift comes through SwiftEstimator subscriptions or a negotiated carrier data agreement, with the onboarding a large carrier expects. For an insurer that already runs replacement-cost valuation at portfolio scale, that motion is appropriate. HomeQuotr is built for a 30 to 45 day mid-market cycle. Starter and Growth sign through a Stripe checkout on a corporate card. Scale closes on a 30 minute call with inside sales. Enterprise and Custom run through a short security review and an actuarial review letter when the use case is reserve or rate-filing work. The right motion depends on whether the buyer has an enterprise data function or a corporate card.
Underwriting Fit
Cohort by cohort the fit is explicit. Home warranty operators need a defensible per-city-trade median for dispatch cost models and policy pricing, which is realized repair cost, not reconstruction cost. HomeQuotr ships that at Growth and Scale. Mid-market specialty MGAs in home lines need trade-level severity under a published methodology version they can file rates against; HomeQuotr ships that with versioned sub-documents and a Custom-tier actuarial review letter. Regional P&C carriers that already license Marshall & Swift for coverage limits can add HomeQuotr for the trade-repair underwriting and reserve inputs the replacement-cost model was never meant to provide. Solar financing platforms need installation cost plus net-of-incentive cost from permits and DSIRE, which is outside the replacement-cost frame entirely. The honest summary: Marshall & Swift answers what it costs to rebuild the house, and HomeQuotr answers what it costs to fix one trade in it.
Every HomeQuotr aggregate row stamps the methodology version hq_methodology_v1.0_2026. The full methodology lives at /methodology. This page is written by Kevin Monangai, founder of HomeQuotr.
Frequently Asked Questions
Can HomeQuotr Replace CoreLogic's Marshall & Swift?
No. Marshall & Swift models the cost to rebuild an entire structure, which is the right input for setting dwelling coverage limits and testing insurance-to-value adequacy. HomeQuotr does not do that. HomeQuotr reports what a specific trade repair actually cost in a specific city, sourced from municipal permits. If your job is coverage-limit setting, keep Marshall & Swift. If your job is trade-level repair-cost underwriting, that is what HomeQuotr is built for.
Is CoreLogic the Same Company as Cotality?
Yes. CoreLogic rebranded to Cotality on March 24, 2025, four years after Stone Point Capital and Insight Partners took it private in 2021. The Marshall & Swift and SwiftEstimator products continue under the new corporate name. This page uses "CoreLogic" because that is the name most buyers still search for.
How Does HomeQuotr's Pricing Compare to CoreLogic's?
HomeQuotr publishes every tier price. Starter is $799 per month, Growth is $2,499, Scale is $4,999, Enterprise is $7,499, and Custom starts at $15,000 per month. CoreLogic's Marshall & Swift pricing is not publicly disclosed and is quote-based through enterprise data agreements. The practical difference for a mid-market payer is a Stripe checkout versus an enterprise procurement cycle.
Why Is HomeQuotr's Data Different From Marshall & Swift's?
Different question, different source. Marshall & Swift assembles researched material and labor cost factors into a modeled value for rebuilding a whole structure. HomeQuotr aggregates municipal building permits, which are arms-length records of work that was actually filed and valued. One is a modeled cost to rebuild; the other is observed local repair cost by trade. Both are legitimate; they answer different questions.
Is HomeQuotr Defensible for Rate Filings?
Yes at the Custom tier. The Custom tier ships with a per-customer actuarial review letter signed by an FCAS or ACAS-credentialed actuary. The letter covers methodology, data lineage, sample-size sufficiency, and ASOP 41, 43, and 53 reservation. The full methodology lives at /methodology with versioned sub-documents so the actuarial reviewer can sign against a stable version key.
Do I Need Replacement Cost or Realized Repair Cost?
It depends on the decision. If you are setting a dwelling coverage limit or testing insurance-to-value, you need a replacement cost, and Marshall & Swift is built for that. If you are pricing a home warranty plan, modeling claim severity, sizing a dispatch budget, or underwriting a renovation, you need realized repair cost by city and trade, which is what HomeQuotr ships from permits.
Can HomeQuotr Supplement CoreLogic Rather Than Replace It?
Yes. Many teams use both. Marshall & Swift handles coverage-limit setting and full reconstruction valuation. HomeQuotr handles trade-level repair-cost underwriting, pricing, and dispatch from permit data. They solve different jobs from different inputs, so the right answer for most carriers is to keep Marshall & Swift where it is integrated and add HomeQuotr where the job calls for realized per-city-trade repair cost.
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