HomeQuotr vs Xactimate
Verisk's Xactimate is the industry-standard claims-estimating software for first-party property claims, with deep ecosystem integration into Xactanalysis and the broader Xactware claims-management workflow used by P&C carriers across North America.
Every inquiry routes to Kevin. Response within 1 business day.
HomeQuotr and Verisk's Xactimate both ship home repair cost data to insurance carriers. Verisk's Xactimate is the industry-standard tool for first-party claims settlement at $100,000+ ACV with NDA-only data access. HomeQuotr ships permit-anchored arms-length cost data for mid-market underwriting at $799 to $15,000+ per month with published methodology and a Custom-tier actuarial review letter.
How HomeQuotr and Xactimate Compare
Eight dimensions that matter to a buyer. Every claim about Xactimate traces to a public source. Every claim about HomeQuotr traces to the published methodology at /methodology.
| Dimension | Xactimate | HomeQuotr |
|---|---|---|
| Data origin | Contractor-self-reported line items at the SKU and material level. Appropriate for claims settlement, with acknowledged supply-side bias when used for underwriting. | Municipal building permits. Arms-length government records, no contractor-side self-report bias. |
| Pricing model | Enterprise ACV not publicly disclosed. Industry-analyst estimates place data contracts in the $100,000+ ACV range with multi-year terms. | Published $799 to $15,000+ per month tier ladder. Self-serve at Starter and Growth. |
| Procurement cycle | 6 to 9 months typical for enterprise data contracts, with NDA negotiation and contractor-tier requirements. | 30 to 45 days at mid-market. Starter and Growth sign in a Stripe checkout. 30 days to first delivery at Custom. |
| Methodology disclosure | NDA-protected. 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 NDA-protected methodology. | 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 | Enterprise P&C primary carriers running first-party claims settlement. | Mid-market home warranty operators, mid-market MGAs in specialty home lines, regional P&C carriers, and solar financing platforms. |
| Use case | First-party property claims settlement and line-item peril adjudication. | Underwriting, pricing, reserve modeling, and reinsurance support. Not first-party claims settlement. |
| Sales motion | Enterprise contract negotiation with NDA, contractor-tier qualification, and procurement gauntlet. | Corporate-card self-serve at Starter and Growth, single-call inside-sales at Scale, contract at Enterprise and Custom. |
Who Each Is Best For
Xactimate Best For
- Enterprise P&C primary carriers running first-party property claims settlement workflows.
- Carriers with existing Xactanalysis and Xactware claims-management integrations.
- Buyers who can absorb a six-figure ACV data contract and a 6 to 9 month procurement cycle.
- Line-item peril claim adjudication where contractor-priced SKU granularity is the buying criterion.
HomeQuotr Best For
- Mid-market home warranty operators anchoring dispatch cost models and policy pricing in a defensible per-city-trade median.
- Mid-market specialty MGAs in home lines pricing under a published methodology version with versioned sub-documents.
- Regional P&C carriers using permit-anchored arms-length data for underwriting, reserve modeling, and reinsurance support.
- 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
Verisk's Xactimate enterprise pricing is not publicly disclosed. Industry-analyst commentary places enterprise data contracts in the $100,000+ ACV range with multi-year commitments, NDA-only access, and contractor-tier qualification requirements. That contract structure works for enterprise P&C primary carriers with an existing six-figure data line item. It does not work for mid-market home warranty operators, mid-market MGAs in specialty home lines, regional P&C carriers, or solar financing platforms. 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 Custom tier is the wedge for buyers Verisk's contract structure structurally cannot reach without cannibalizing enterprise.
Data Origin
The two products measure different things from different sources. Xactimate sources from contractor-supplied line items at the SKU and material level. That is appropriate for first-party claims settlement, where the buyer wants contractor-priced granularity that mirrors what an adjuster will actually negotiate. The acknowledged industry concern is supply-side bias when the same contractor-self-reported data is used as an underwriting input. HomeQuotr sources from municipal building permits, which are arms-length government records filed by contractors as a regulatory requirement, not as a marketing input. Permits do not solve every job, and they are not a substitute for line-item claims estimating. They are the right input for underwriting, pricing, reserve modeling, and reinsurance support, where arms-length data posture is a defensibility requirement.
Sales Motion
Verisk's Xactimate is an enterprise sale. The procurement cycle runs 6 to 9 months typical, with NDA negotiation, contractor-tier qualification, and a multi-year contract commitment. For an enterprise P&C primary carrier with an open six-figure data line item, that motion is appropriate and the integration with Xactanalysis is the buying criterion. 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 modeling. Both motions exist for a reason. The right one depends on whether the buyer has an open enterprise data line item 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. HomeQuotr ships that on day one at Growth and Scale. Verisk's contract structure makes Xactimate impractical for most home warranty buyers. Mid-market specialty MGAs in home lines need a published methodology version they can file rates against. HomeQuotr ships that with versioned sub-documents and a Custom-tier actuarial review letter. Xactimate methodology is NDA-protected and requires customer-side validation. Regional P&C carriers need underwriting and reserve inputs without a six-figure data line item. HomeQuotr lands at $2,499 to $15,000+ per month. Solar financing platforms need installation cost plus net-of-incentive cost from permits and DSIRE. HomeQuotr ships that surface; Xactimate does not. We are not trying to out-Verisk Verisk. We are serving the buyers Verisk's contract structure cannot reach.
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 Verisk's Xactimate?
No. Xactimate is the industry-standard tool for first-party property claims settlement and ships with deep Xactanalysis and Xactware ecosystem integration that HomeQuotr does not replicate. HomeQuotr is built for a different job: underwriting, pricing, reserve modeling, and reinsurance support. If your team is settling first-party claims, Xactimate is the right tool and HomeQuotr does not replace it.
How Does HomeQuotr's Pricing Compare to Verisk's Xactimate?
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. Verisk's Xactimate enterprise pricing is not publicly disclosed. Industry-analyst estimates place enterprise data contracts in the $100,000+ ACV range with multi-year commitments and NDA-only data access.
Why Would I Use HomeQuotr if My Carrier Already Uses Xactimate?
Use case differentiation. If your team is doing underwriting, pricing, reserve modeling, or reinsurance support, HomeQuotr is built for that. Xactimate output requires customer-side line-item aggregation, peril translation, and actuarial normalization before it can land in a reserve or pricing model. HomeQuotr ships severity distributions, confidence intervals, covered-peril mapping, and frequency modeling as productized API endpoints. If your team is settling first-party claims, keep using Xactimate and use HomeQuotr alongside it.
Is HomeQuotr's Data 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 (severity_methodology_v1, peril_mapping_v1, frequency_modeling_v1) so the actuarial reviewer can sign against a stable version key.
Why Is HomeQuotr's Data Different From Xactimate's?
Data origin. HomeQuotr sources from municipal building permits, which are arms-length government records with no contractor-side self-report bias. Verisk's Xactimate sources from contractor-supplied line items. That is appropriate for first-party claims settlement, where you want contractor-priced SKU granularity. It introduces supply-side bias when the same data is used as an underwriting input. Different inputs, different jobs.
Does HomeQuotr Cover Covered-Peril Mapping Like Xactimate?
Different design. Xactimate is line-item-by-peril for first-party claims settlement at the SKU and material level. HomeQuotr ships covered-peril mapping at the Enterprise tier ($7,499 per month) that maps perils to trade-frequency-severity tuples for underwriting, reserve, and reinsurance models. The taxonomy and per-trade weighting live in the peril mapping v1 sub-document at /methodology/peril_mapping_v1. Different shape, different purpose.
Can HomeQuotr Supplement Xactimate Rather Than Replace It?
Yes. Many carriers use both. Xactimate handles first-party claims settlement and line-item peril adjudication. HomeQuotr handles underwriting, pricing, reserve modeling, and reinsurance support. The two products solve different jobs from different data sources. The right answer for most carriers is to keep Xactimate where it is already integrated and add HomeQuotr where the job calls for permit-anchored arms-length data.
Ready to Evaluate HomeQuotr?
Email Kevin directly. He routes evaluations himself and responds within one business day.
Every inquiry routes to Kevin. Response within 1 business day.