Quick Overview
- 1#1: Guidewire InsuranceSuite - Delivers end-to-end policy administration, claims management, and billing solutions optimized for property and casualty insurers.
- 2#2: Duck Creek OnDemand - Cloud-native SaaS platform providing policy, claims, and billing capabilities tailored for property insurance operations.
- 3#3: Xactimate - Industry-leading software for precise property claims estimating, sketching, and reporting used by insurers worldwide.
- 4#4: Applied Epic - Comprehensive agency management system streamlining property insurance quoting, policy management, and client servicing.
- 5#5: Majesco P&C Core Suite - Modern cloud-based insurance platform supporting policy administration, underwriting, and claims for property carriers.
- 6#6: Sapiens CoreSuite - Digital insurance suite offering policy lifecycle management and claims processing for property and casualty lines.
- 7#7: EIS Suite - Configurable core insurance platform handling property policy issuance, renewals, and integrated claims workflows.
- 8#8: OneShield Dragon - Low-code policy administration and claims system designed for efficient property insurance management.
- 9#9: Vertafore AMS360 - Agency management software facilitating property insurance account management, billing, and reporting.
- 10#10: CoreLogic Claims - Cloud solution for property claims intake, estimating, and collaboration to accelerate settlements.
Tools were chosen based on their blend of comprehensive features, user experience, and value, ensuring they meet the demands of insurers across policy management, claims processing, and related workflows.
Comparison Table
Property insurance software is essential for optimizing claims, policy, and risk management workflows. This comparison table evaluates tools like Guidewire InsuranceSuite, Duck Creek OnDemand, Xactimate, Applied Epic, Majesco P&C Core Suite, and more, highlighting key features, integration capabilities, and scalability to help readers identify the right solution for their needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Guidewire InsuranceSuite Delivers end-to-end policy administration, claims management, and billing solutions optimized for property and casualty insurers. | enterprise | 9.5/10 | 9.8/10 | 8.2/10 | 9.0/10 |
| 2 | Duck Creek OnDemand Cloud-native SaaS platform providing policy, claims, and billing capabilities tailored for property insurance operations. | enterprise | 9.2/10 | 9.5/10 | 8.5/10 | 8.8/10 |
| 3 | Xactimate Industry-leading software for precise property claims estimating, sketching, and reporting used by insurers worldwide. | specialized | 9.2/10 | 9.8/10 | 7.8/10 | 8.5/10 |
| 4 | Applied Epic Comprehensive agency management system streamlining property insurance quoting, policy management, and client servicing. | enterprise | 8.6/10 | 9.3/10 | 7.8/10 | 8.1/10 |
| 5 | Majesco P&C Core Suite Modern cloud-based insurance platform supporting policy administration, underwriting, and claims for property carriers. | enterprise | 8.2/10 | 8.7/10 | 7.4/10 | 7.8/10 |
| 6 | Sapiens CoreSuite Digital insurance suite offering policy lifecycle management and claims processing for property and casualty lines. | enterprise | 8.3/10 | 8.7/10 | 7.6/10 | 8.0/10 |
| 7 | EIS Suite Configurable core insurance platform handling property policy issuance, renewals, and integrated claims workflows. | enterprise | 8.4/10 | 9.1/10 | 7.7/10 | 8.2/10 |
| 8 | OneShield Dragon Low-code policy administration and claims system designed for efficient property insurance management. | enterprise | 8.2/10 | 8.7/10 | 7.6/10 | 8.0/10 |
| 9 | Vertafore AMS360 Agency management software facilitating property insurance account management, billing, and reporting. | enterprise | 8.1/10 | 9.0/10 | 6.7/10 | 7.4/10 |
| 10 | CoreLogic Claims Cloud solution for property claims intake, estimating, and collaboration to accelerate settlements. | specialized | 7.8/10 | 8.5/10 | 7.2/10 | 7.5/10 |
Delivers end-to-end policy administration, claims management, and billing solutions optimized for property and casualty insurers.
Cloud-native SaaS platform providing policy, claims, and billing capabilities tailored for property insurance operations.
Industry-leading software for precise property claims estimating, sketching, and reporting used by insurers worldwide.
Comprehensive agency management system streamlining property insurance quoting, policy management, and client servicing.
Modern cloud-based insurance platform supporting policy administration, underwriting, and claims for property carriers.
Digital insurance suite offering policy lifecycle management and claims processing for property and casualty lines.
Configurable core insurance platform handling property policy issuance, renewals, and integrated claims workflows.
Low-code policy administration and claims system designed for efficient property insurance management.
Agency management software facilitating property insurance account management, billing, and reporting.
Cloud solution for property claims intake, estimating, and collaboration to accelerate settlements.
Guidewire InsuranceSuite
enterpriseDelivers end-to-end policy administration, claims management, and billing solutions optimized for property and casualty insurers.
Unified InsuranceSuite platform with pre-built accelerators for property insurance products and seamless integration of catastrophe modeling tools like RMS or AIR
Guidewire InsuranceSuite is a leading cloud-native platform designed specifically for property and casualty (P&C) insurers, providing end-to-end solutions including PolicyCenter for policy administration, ClaimCenter for claims management, and BillingCenter for billing. It excels in handling complex property insurance workflows such as quoting, underwriting, catastrophe modeling integrations, and rapid claims processing for events like floods or fires. With AI-driven insights and low-code configurability, it enables insurers to scale operations while adapting to regulatory changes and market demands.
Pros
- Comprehensive P&C functionality with deep support for property lines including risk assessment and cat modeling integrations
- Scalable cloud deployment with AI/ML capabilities for predictive underwriting and claims triage
- Proven reliability used by over 500 insurers worldwide, ensuring robust performance during high-volume events
Cons
- High upfront implementation costs and long deployment timelines (often 12-24 months)
- Steep learning curve due to extensive customization options
- Better suited for large enterprises, less ideal for small insurers due to complexity and pricing
Best For
Large-scale property and casualty insurers needing a fully integrated, scalable platform for complex operations and high-volume claims.
Pricing
Custom enterprise pricing; typically subscription-based starting at $1M+ annually plus multi-million implementation fees, scaled by users and modules.
Duck Creek OnDemand
enterpriseCloud-native SaaS platform providing policy, claims, and billing capabilities tailored for property insurance operations.
Low-code/no-code configuration engine that enables property insurers to adapt rules, forms, and workflows in days rather than months
Duck Creek OnDemand is a cloud-native SaaS platform tailored for property and casualty (P&C) insurance, providing comprehensive tools for policy administration, claims processing, billing, and reinsurance specifically optimized for property insurance lines. It supports advanced underwriting with risk assessment models, real-time catastrophe modeling integration, and automated claims handling to enhance efficiency and accuracy. The low-code configuration environment allows insurers to customize workflows rapidly, while built-in analytics deliver actionable insights for property risk management.
Pros
- Highly configurable low-code platform for rapid customization to property insurance needs
- Robust integration with catastrophe modeling and AI-driven analytics
- Scalable cloud architecture supporting high-volume property claims processing
Cons
- Steep initial learning curve for non-technical users
- Implementation timelines can extend several months for complex setups
- Premium pricing may strain smaller property insurers' budgets
Best For
Mid-to-large property insurers needing a scalable, end-to-end SaaS solution with deep customization for complex underwriting and claims.
Pricing
Quote-based SaaS subscription, typically starting at $100K+ annually for mid-sized deployments, scaled by users, policies, and modules.
Xactimate
specializedIndustry-leading software for precise property claims estimating, sketching, and reporting used by insurers worldwide.
Its vast, regionally customized price list database with over 1 million line items, updated 3-8 times per year
Xactimate, from Xactware, is the industry-standard software for property insurance estimating, enabling users to create detailed, line-item scopes of work for damage repairs and rebuilds. It features a comprehensive database of regionally accurate pricing, updated multiple times annually, along with tools for sketching diagrams, adding photos, and generating professional reports. Widely adopted by insurers, adjusters, contractors, and restorers, it standardizes claims processing to minimize disputes and ensure fair valuations.
Pros
- Extensive, regionally accurate price database updated frequently
- Powerful integrated sketching and diagramming tools
- Robust integrations with insurers and robust reporting
Cons
- Steep learning curve for new users
- High subscription costs
- Can be resource-intensive with occasional performance lags
Best For
Professional insurance adjusters and restoration contractors handling complex, high-volume property claims who require precise standardization.
Pricing
Subscription-based with plans from $289/month (Essentials) to $535/month (Premier) per user, plus setup fees.
Applied Epic
enterpriseComprehensive agency management system streamlining property insurance quoting, policy management, and client servicing.
Seamless, real-time integration with 500+ carriers for automated quoting, policy management, and comparative rating
Applied Epic is a cloud-based agency management system from Applied Systems, tailored for property and casualty insurance agencies to handle end-to-end operations including quoting, policy issuance, endorsements, renewals, and billing. It excels in property insurance through comparative rater tools, ACORD form libraries, and automated workflows that integrate seamlessly with carriers. The platform also offers client self-service portals, robust reporting, and mobile access to enhance agency efficiency and client satisfaction.
Pros
- Extensive integrations with 500+ carriers for automated policy downloads and real-time data
- Powerful automation and workflow tools tailored for complex property insurance portfolios
- Scalable architecture supporting growth from mid-sized to enterprise agencies
Cons
- Steep learning curve due to its comprehensive and customizable nature
- High implementation and ongoing costs may deter smaller agencies
- Interface can feel overwhelming for users new to enterprise software
Best For
Mid-to-large property and casualty insurance agencies managing high-volume, complex portfolios that require robust carrier integrations and automation.
Pricing
Custom enterprise pricing, typically $150-$300 per user per month depending on agency size, modules, and integrations; requires quote.
Majesco P&C Core Suite
enterpriseModern cloud-based insurance platform supporting policy administration, underwriting, and claims for property carriers.
Low-code product factory for rapid deployment of customized property insurance products
Majesco P&C Core Suite is a cloud-native, end-to-end policy administration platform designed for property and casualty insurers, including robust support for property insurance lines like homeowners, commercial property, and habitational risks. It streamlines policy lifecycle management, claims processing, billing, and reporting with AI-driven insights and low-code configurability. The suite enables insurers to launch new products quickly and deliver digital customer experiences while ensuring regulatory compliance.
Pros
- Comprehensive coverage for complex property rating engines and endorsements
- Scalable cloud architecture with strong API integrations for ecosystems
- AI and analytics tools for risk assessment and fraud detection
Cons
- Steep implementation timeline for large deployments
- Higher pricing suited more for mid-to-large carriers
- Customization requires expertise despite low-code tools
Best For
Mid-to-large property insurers modernizing legacy systems and needing configurable, scalable P&C core capabilities.
Pricing
Enterprise licensing with custom quotes; typically $500K+ annually based on users, modules, and scale.
Sapiens CoreSuite
enterpriseDigital insurance suite offering policy lifecycle management and claims processing for property and casualty lines.
Low-code policy configuration engine for rapid adaptation to complex property insurance products and regulations
Sapiens CoreSuite is a comprehensive, end-to-end platform for property and casualty insurance, including specialized tools for property insurance policy administration, claims processing, billing, and reinsurance management. It enables insurers to configure complex property products using low-code tools, automate workflows, and leverage AI for risk assessment and fraud detection. The suite supports digital distribution channels and provides robust analytics for data-driven decision-making in property insurance operations.
Pros
- Modular architecture allows customization for diverse property insurance needs
- Advanced AI and analytics for claims automation and risk modeling
- Cloud-native deployment with scalability for high-volume transactions
Cons
- Steep implementation timeline for full suite rollout
- Complex interface requiring extensive training
- Premium pricing suited more for enterprises than smaller carriers
Best For
Mid-to-large property insurers needing a scalable, integrated platform for policy lifecycle and claims management.
Pricing
Custom enterprise licensing, typically subscription-based starting at $500K+ annually depending on modules, users, and deployment.
EIS Suite
enterpriseConfigurable core insurance platform handling property policy issuance, renewals, and integrated claims workflows.
Dragon low-code configuration engine, enabling rapid, code-free adaptations to unique property insurance requirements
EIS Suite is a comprehensive, cloud-native platform designed for property and casualty (P&C) insurers, providing end-to-end solutions for policy administration, claims management, billing, and reinsurance. It excels in property insurance with advanced rating engines, risk modeling, and configurable workflows tailored to complex coverage needs. The suite leverages AI and analytics for enhanced decision-making and operational efficiency.
Pros
- Robust P&C-specific features including advanced property rating and catastrophe modeling
- Highly configurable low-code platform (Dragon) for custom workflows
- Strong API ecosystem and integrations with third-party tools
Cons
- Steep learning curve and lengthy implementation for complex deployments
- Enterprise-focused pricing limits accessibility for smaller insurers
- Limited public transparency on customization depth without demos
Best For
Mid-to-large property insurers seeking a scalable, modern core system with deep P&C customization.
Pricing
Custom enterprise SaaS pricing upon request; typically annual subscriptions starting in the high six figures for mid-sized deployments.
OneShield Dragon
enterpriseLow-code policy administration and claims system designed for efficient property insurance management.
Low-code Product Factory for building and deploying custom property insurance products in weeks rather than months
OneShield Dragon is a robust, cloud-native policy administration platform tailored for property and casualty insurance, including comprehensive support for property lines such as homeowners, commercial property, and habitational risks. It streamlines the entire policy lifecycle from quoting and underwriting to issuance, endorsements, renewals, and billing with high configurability. The system emphasizes low-code/no-code tools for rapid adaptation to regulatory changes and market needs, making it suitable for insurers handling complex property portfolios.
Pros
- Highly configurable low-code platform accelerates product launches and customizations
- Strong multi-line support with deep property insurance capabilities including catastrophe modeling integrations
- Scalable SaaS architecture with excellent API ecosystem for third-party integrations
Cons
- Steep initial implementation and configuration timeline for complex setups
- User interface can feel dated compared to newer insurtech rivals
- Pricing lacks transparency and may be prohibitive for smaller carriers
Best For
Mid-sized to enterprise property and casualty insurers needing flexible, scalable policy administration with strong customization options.
Pricing
Custom enterprise pricing via quote; modular SaaS subscriptions starting at $100K+ annually based on users, modules, and deployment scale.
Vertafore AMS360
enterpriseAgency management software facilitating property insurance account management, billing, and reporting.
DownloadCenter for automated policy import from 400+ carriers, drastically reducing manual data entry for property lines.
Vertafore AMS360 is a robust agency management system tailored for property and casualty insurance agencies, offering end-to-end policy management, automated workflows, billing, and reporting for property insurance lines. It supports commercial and personal property policies through features like rating engines, endorsements, renewals, and claims integration. With strong carrier connectivity, it enables efficient data exchange and compliance tracking, making it a staple for established agencies.
Pros
- Extensive carrier integrations (over 400) for seamless property policy downloads and updates
- Comprehensive automation for policy lifecycle management including renewals and endorsements
- Reliable reporting and analytics tailored to property insurance metrics
Cons
- Outdated user interface that feels clunky compared to modern SaaS alternatives
- Steep learning curve requiring significant training for new users
- High implementation and ongoing costs that may strain smaller agencies
Best For
Mid-to-large property and casualty insurance agencies needing a battle-tested, feature-rich system with deep carrier integrations.
Pricing
Custom enterprise pricing, typically $100-$250 per user/month plus setup fees starting at $10,000+; scales with agency size and modules.
CoreLogic Claims
specializedCloud solution for property claims intake, estimating, and collaboration to accelerate settlements.
Proprietary property database integration enabling real-time, hyper-accurate estimating and loss assessment
CoreLogic Claims is a comprehensive claims management platform tailored for property insurance, providing end-to-end solutions from first notice of loss (FNOL) to settlement and subrogation. It integrates CoreLogic's vast property data analytics, AI-driven fraud detection, and automated estimating tools to streamline workflows and improve accuracy. The solution helps insurers reduce cycle times, mitigate risks, and enhance decision-making through data-rich insights.
Pros
- Deep integration with proprietary property data for precise damage assessments and valuations
- Advanced AI and analytics for fraud detection and risk scoring
- Robust workflow automation supporting high-volume claims processing
Cons
- Steep learning curve and complex setup for new users
- High enterprise-level pricing may not suit smaller insurers
- Limited flexibility for heavy customization without professional services
Best For
Mid-to-large property insurers needing data-intensive claims processing and analytics.
Pricing
Custom enterprise pricing via quote; typically subscription-based with implementation fees starting at $100K+ annually.
Conclusion
The top tools reviewed deliver diverse capabilities to streamline property insurance operations, with Guidewire InsuranceSuite emerging as the top choice for its comprehensive end-to-end functionality in policy administration, claims management, and billing. Duck Creek OnDemand stands out as a strong cloud-native SaaS option, and Xactimate excels in precise claims estimating, each offering unique strengths to suit different operational needs. These tools collectively demonstrate the innovation and efficiency available to property insurers seeking to enhance their workflows.
Explore the leading solution, Guidewire InsuranceSuite, to elevate your property insurance management and unlock greater operational efficiency.
Tools Reviewed
All tools were independently evaluated for this comparison