Every personal lines policy, analyzed and compared.
AI coverage gap analysis, policy and quote comparison, application and policy verification, claim-denial challenges, and personal lines BOR generation, built for the way personal lines teams actually service and sell.
Coverage gap analysis.
Drop in a homeowners, auto, or umbrella policy and instantly see what's missing: unscheduled valuables, flood, excess liability, umbrella gaps, so you can close exposures before the client finds them at claim time.
Coverage gap analysis.
Drop in a homeowners, auto, or umbrella policy and instantly see what's missing: unscheduled valuables, flood, excess liability, umbrella gaps, so you can close exposures before the client finds them at claim time.
Policy review.
Turn any homeowners, auto, umbrella, or flood policy into a plain-English breakdown of coverages, limits, deductibles, and endorsements, with every endorsement that quietly narrows coverage flagged. Know exactly what the client has before you pick up the phone.
Policy review.
Turn any homeowners, auto, umbrella, or flood policy into a plain-English breakdown of coverages, limits, deductibles, and endorsements, with every endorsement that quietly narrows coverage flagged. Know exactly what the client has before you pick up the phone.
Renewal comparison.
Line up the expiring policy against the renewal policy or quote and see every change: premium moves, coverage cuts, deductible shifts, and endorsement swaps. The critical ones, like a switch from replacement cost to ACV, are flagged up top.
Renewal comparison.
Line up the expiring policy against the renewal policy or quote and see every change: premium moves, coverage cuts, deductible shifts, and endorsement swaps. The critical ones, like a switch from replacement cost to ACV, are flagged up top.
Side-by-side quote comparison.
Upload two or more quotes for the same household and get a carrier-by-carrier breakdown of premium, limits, deductibles, and sub-limits, with apples-to-oranges differences like RC vs. ACV, percentage wind deductibles, and umbrella underlying limits flagged automatically.
Side-by-side quote comparison.
Upload two or more quotes for the same household and get a carrier-by-carrier breakdown of premium, limits, deductibles, and sub-limits, with apples-to-oranges differences like RC vs. ACV, percentage wind deductibles, and umbrella underlying limits flagged automatically.
Policy vs. quote verification.
Confirm the issued policy or binder matches what you sold. Outmarket checks carrier, named insured, limits, deductibles, vehicles, and endorsement wording against the quote and rates every mismatch Critical, Moderate, or Minor.
Policy vs. quote verification.
Confirm the issued policy or binder matches what you sold. Outmarket checks carrier, named insured, limits, deductibles, vehicles, and endorsement wording against the quote and rates every mismatch Critical, Moderate, or Minor.
Application vs. policy verification.
Compare the application against the quote or issued policy line by line: named insureds, addresses, drivers, vehicles, coverages, and every endorsement the client asked for. Catch missing endorsements and undisclosed risks like pools, dog breeds, or rideshare use before they become a claim problem.
Application vs. policy verification.
Compare the application against the quote or issued policy line by line: named insureds, addresses, drivers, vehicles, coverages, and every endorsement the client asked for. Catch missing endorsements and undisclosed risks like pools, dog breeds, or rideshare use before they become a claim problem.
Broker of record letters.
Won the account? Drop in the client's current policies and we pull the carrier, policy number, and dates from each one, then generate ready-to-send BOR letters grouped by carrier using your agency's templates. Multi-carrier moves, done in minutes.
Broker of record letters.
Won the account? Drop in the client's current policies and we pull the carrier, policy number, and dates from each one, then generate ready-to-send BOR letters grouped by carrier using your agency's templates. Multi-carrier moves, done in minutes.
Common questions
What personal lines workflows are included?
Coverage Gap Analysis, Policy Review, Renewal Comparison, Quote Comparison, Policy vs. Quote Verification, Application vs. Policy Verification, Claim Denial Challenge, and Broker of Record Letters, with more added regularly.
What documents can I upload?
Homeowners, auto, umbrella, dwelling fire, and flood policies, plus quotes, applications, dec pages, and denial letters. PDF, DOC/DOCX, and scanned images all work, no cleanup or reformatting first.
How does coverage gap analysis work?
Upload a prospect's current policies and Outmarket reads the coverages, limits, and endorsements, then flags missing or under-scheduled protection like umbrella, excess liability, flood, and valuable articles, plus umbrella underlying shortfalls across policies. You walk into the meeting with a clear gap report that shows the prospect why they should move their business to you.
Can it compare an expiring policy to the renewal?
Yes. Renewal Comparison lines up the expiring policy against the renewal and summarizes every change, premium, limits, deductibles, and endorsements, so nothing slips through at renewal.
What does policy vs. quote verification actually check?
Named insured, carrier, policy period, limits, deductibles, and endorsements, field by field, with every mismatch flagged so the issued policy matches what your client was sold.
Can it really help me challenge a claim denial?
Yes. Upload the denial letter and the policy, and Outmarket maps the carrier's cited sections to the actual policy language, surfaces contradictions, and lays out the strongest grounds to dispute, with everything traced back to the source.
How are BOR letters handled for personal lines?
Drop in the client's policy documents and we extract every carrier and policy automatically, then generate clean, ready-to-send BOR letters grouped by carrier. Multi-policy transfers in one click.
Can I trust the output?
Every finding traces back to the exact page in the source document, so review takes minutes. If a detail can't be traced, it doesn't make the report.
Common questions
What personal lines workflows are included?
Coverage Gap Analysis, Policy Review, Renewal Comparison, Quote Comparison, Policy vs. Quote Verification, Application vs. Policy Verification, Claim Denial Challenge, and Broker of Record Letters, with more added regularly.
What documents can I upload?
Homeowners, auto, umbrella, dwelling fire, and flood policies, plus quotes, applications, dec pages, and denial letters. PDF, DOC/DOCX, and scanned images all work, no cleanup or reformatting first.
How does coverage gap analysis work?
Upload a prospect's current policies and Outmarket reads the coverages, limits, and endorsements, then flags missing or under-scheduled protection like umbrella, excess liability, flood, and valuable articles, plus umbrella underlying shortfalls across policies. You walk into the meeting with a clear gap report that shows the prospect why they should move their business to you.
Can it compare an expiring policy to the renewal?
Yes. Renewal Comparison lines up the expiring policy against the renewal and summarizes every change, premium, limits, deductibles, and endorsements, so nothing slips through at renewal.
What does policy vs. quote verification actually check?
Named insured, carrier, policy period, limits, deductibles, and endorsements, field by field, with every mismatch flagged so the issued policy matches what your client was sold.
Can it really help me challenge a claim denial?
Yes. Upload the denial letter and the policy, and Outmarket maps the carrier's cited sections to the actual policy language, surfaces contradictions, and lays out the strongest grounds to dispute, with everything traced back to the source.
How are BOR letters handled for personal lines?
Drop in the client's policy documents and we extract every carrier and policy automatically, then generate clean, ready-to-send BOR letters grouped by carrier. Multi-policy transfers in one click.
Can I trust the output?
Every finding traces back to the exact page in the source document, so review takes minutes. If a detail can't be traced, it doesn't make the report.
Common questions
What personal lines workflows are included?
Coverage Gap Analysis, Policy Review, Renewal Comparison, Quote Comparison, Policy vs. Quote Verification, Application vs. Policy Verification, Claim Denial Challenge, and Broker of Record Letters, with more added regularly.
What documents can I upload?
Homeowners, auto, umbrella, dwelling fire, and flood policies, plus quotes, applications, dec pages, and denial letters. PDF, DOC/DOCX, and scanned images all work, no cleanup or reformatting first.
How does coverage gap analysis work?
Upload a prospect's current policies and Outmarket reads the coverages, limits, and endorsements, then flags missing or under-scheduled protection like umbrella, excess liability, flood, and valuable articles, plus umbrella underlying shortfalls across policies. You walk into the meeting with a clear gap report that shows the prospect why they should move their business to you.
Can it compare an expiring policy to the renewal?
Yes. Renewal Comparison lines up the expiring policy against the renewal and summarizes every change, premium, limits, deductibles, and endorsements, so nothing slips through at renewal.
What does policy vs. quote verification actually check?
Named insured, carrier, policy period, limits, deductibles, and endorsements, field by field, with every mismatch flagged so the issued policy matches what your client was sold.
Can it really help me challenge a claim denial?
Yes. Upload the denial letter and the policy, and Outmarket maps the carrier's cited sections to the actual policy language, surfaces contradictions, and lays out the strongest grounds to dispute, with everything traced back to the source.
How are BOR letters handled for personal lines?
Drop in the client's policy documents and we extract every carrier and policy automatically, then generate clean, ready-to-send BOR letters grouped by carrier. Multi-policy transfers in one click.
Can I trust the output?
Every finding traces back to the exact page in the source document, so review takes minutes. If a detail can't be traced, it doesn't make the report.
Ready to Transform Your Agency?
Ready to Transform Your Agency?
Ready to Transform Your Agency?
The #1 AI platform for insurance. 250+ agencies. Purpose-built workflows. Enterprise security.
The #1 AI platform for insurance. 250+ agencies. Purpose-built workflows. Enterprise security.
The #1 AI platform for insurance. 250+ agencies. Purpose-built workflows. Enterprise security.
Platform