Abstract: Methods, systems, and computer-readable media, and apparatuses for optimizing policy underwriting and insurance policy coverage are described herein. Insurance information related to a new homeowner insurance policy may be retrieved from one or more insurance system databases. The insurance information may comprise an insurance policy premium. An unrestrained rating plan premium may be determined based on a plurality of premium components. The plurality of premium components may comprise at least one multiplicative factor and at least one additive factor determined from the insurance information. An underwriting score may be determined based on the unrestrained rating plan premium and the insurance policy premium. In response to determining that the underwriting score fails to meet a predetermined underwriting score threshold, the new homeowner insurance policy may be rejected.

Abstract: Computer executable instructions may be used to configure a special purpose computing device to perform a method for determining whether an unbound property insurance lead may be associated with a property for which a property inspection is not required. The computer executable instructions, when executed by a processor may cause the special purpose computing device to access a data repository storing a plurality of unbound property insurance leads, process each of the plurality of unbound property insurance leads using an adaptable inspection model to determine an insurability risk score for each of the unbound property insurance leads, compare each insurability risk score to a constraint, and communicate an indication of whether a property inspection is necessary for each of the plurality of unbound property insurance leads.

Abstract: Methods, systems, and computer-readable media, and apparatuses for optimizing policy underwriting and insurance policy coverage are described herein. Insurance information related to a new homeowner insurance policy may be retrieved from one or more insurance system databases. The insurance information may comprise an insurance policy premium. An unrestrained rating plan premium may be determined based on a plurality of premium components. The plurality of premium components may comprise at least one multiplicative factor and at least one additive factor determined from the insurance information. An underwriting score may be determined based on the unrestrained rating plan premium and the insurance policy premium. In response to determining that the underwriting score fails to meet a predetermined underwriting score threshold, the new homeowner insurance policy may be rejected.