Draft Quote

Quote Create

Create a new quote from scratch by providing

Policy Type — See DP1 vs DP3 and Policy Types for details.
Primary Insured — Name, date of birth, and email
Policy Details — Occupancy status
Property Addresses — One or more addresses to cover

You can omit coverages from your create request and we'll configure everything to available defaults. Since our coverage options often vary by state, territory and even by other coverages you have selected, use the options returned in the quote response as the source-of-truth for which coverages are available. If the coverage option you selected is not available, the response will automatically match against the nearest value (default) or return an error if exact coverage_matching is requested.

post/v1/agency/draft_quote

Query parameters

coverage_matching'exact' | 'nearest'

Specify how coverages should be configured. Default to nearest, which caps coverage values to the closest min/max.

quote_idstring nullable

offer_idstring nullable

policy_idstring nullable

Request body

quote_idstring

Optional - Existing quote ID to clone for rewrites.

Example request

{
  "quote": {
    "policy_type": "DP3",
    "primary_insured": {
      "first_name": "John",
      "last_name": "Doe",
      "email": "john@doe.com",
      "date_of_birth": "1980-01-01"
    },
    "policy_details": {
      "occupancy": "rental"
    },
    "properties": [
      {
        "address": {
          "street_address": "1564 Deer Run Pl",
          "city": "Lancaster",
          "state": "OH",
          "zip_code": "43130",
          "county": "Fairfield"
        }
      }
    ]
  }
}

Response

Successful Response

policy_type'DP1' | 'DP2' | 'DP3' required

An enumeration.

insurance_structure'COI_MASTER_MGA' | 'STANDARD_MGA' | 'XMGA' | 'ARCHIVED'

An enumeration.

effective_datestring date

Effective date in YYYY-MM-DD format. Defaults to today.

effective_date_timezonestring nullable

updated_atstring date-time nullable

previous_policy_idstring nullable

renewal_policy_idstring nullable

renewal_quote_idstring nullable

renewal_status'draft' | 'quoted' | 'bound' | 'invalidated'

An enumeration.

renewal_start_datestring date nullable

renewal_end_datestring date nullable

agent_ui_urlstring nullable

Direct link to Agent UI, which can be used to complete quote.

carrierstring required

public_policy_idstring nullable required

quote_idstring required

public_quote_idstring required

status'draft' | 'quoted' | 'declined' | 'bound' | 'issued' required

An enumeration.

insurance_score_messagesobject[] nullable

Example response

{
  "primary_insured": {
    "mailing_address": {
      "street_address": "4825 Mount Sinyala Crossover",
      "city": "Fort Wayne",
      "state": "IN",
      "zip_code": "46808"
    },
    "previous_address": {
      "street_address": "4825 Mount Sinyala Crossover",
      "city": "Fort Wayne",
      "state": "IN",
      "zip_code": "46808"
    }
  },
  "additional_named_insured": [
    {
      "address": {
        "street_address": "4825 Mount Sinyala Crossover",
        "city": "Fort Wayne",
        "state": "IN",
        "zip_code": "46808"
      }
    }
  ],
  "effective_date": "2022-01-15",
  "policy_details": {
    "unique_tracking_id": "id-12345"
  },
  "properties": [
    {
      "property_id": "acf85fa5-4200-4303-96ba-012e546ff628",
      "address": {
        "street_address": "4825 Mount Sinyala Crossover",
        "city": "Fort Wayne",
        "state": "IN",
        "zip_code": "46808",
        "county": "Maricopa",
        "county_fips": "04013",
        "lat": 41.079273,
        "lng": -85.139351
      },
      "property_coverages": [
        {
          "name": "water_damage_limitation",
          "config": [
            {
              "type": "limit",
              "label": "Water Damage Limitation",
              "value": "10%",
              "default": "10%",
              "options": [
                "10%",
                "25%",
                "50%",
                "75%",
                "100%"
              ],
              "editable": "yes"
            },
            {
              "type": "sublimit",
              "label": "Water Damage Limitation - Fungi Rot Sublimit",
              "value": "5000",
              "default": "5000",
              "options": [
                "5000",
                "10000"
              ],
              "editable": "no"
            }
          ]
        }
      ],
      "property_manager": {
        "address": {
          "street_address": "4825 Mount Sinyala Crossover",
          "city": "Fort Wayne",
          "state": "IN",
          "zip_code": "46808"
        }
      },
      "property_details": {
        "heating_sources": [
          "furnace_electric"
        ],
        "has_barred_windows_over_50_percent": "Yes",
        "days_uninsured": 1,
        "builder_name": "Lennar Corp.",
        "fire_protection_class": "9",
        "address_info_s3_url": "s3://steadily-test-app-carlos/logs/2024/04/08/01HTZGD6ZKZK3F40VCGYW42N9I",
        "ca_dic_zone": "ineligible",
        "foundation_type": "concrete_slab",
        "garages": [
          {
            "size": "2",
            "style": "attached_or_built_in"
          }
        ],
        "average_wall_height_feet": 9,
        "bathroom_details": [
          {
            "type": "Full"
          }
        ],
        "bedrooms": 3,
        "fireplaces": 1,
        "finished_basement_percent": 50,
        "kitchens": 1
      },
      "additional_insured": [
        {
          "loan_number": "JPM98765,12345",
          "address": {
            "street_address": "4825 Mount Sinyala Crossover",
            "city": "Fort Wayne",
            "state": "IN",
            "zip_code": "46808"
          }
        }
      ]
    }
  ],
  "policy_coverages": [
    {
      "name": "premises_liability",
      "label": "Premises Liability",
      "config": [
        {
          "type": "selected",
          "label": "Selected",
          "value": "yes",
          "default": "yes",
          "editable": "yes"
        },
        {
          "type": "limit",
          "label": "Limit",
          "value": "300000",
          "options": [
            "25000",
            "50000",
            "100000",
            "200000",
            "300000",
            "500000"
          ],
          "editable": "yes"
        }
      ]
    }
  ],
  "agent_ui_url": "https://app.steadily.com/spa/create-policy/?policy_loc={policy_id}",
  "public_policy_id": "OB3-AZ-100034386",
  "quote_id": "qte_100034386"
}

Changes

Changed in 7 of the 13 revisions of this API.4638

Aug 28, 20266919821faaf21See the full diff
- ○
  added the optional property properties/items/property_acknowledgements/claims_automations/items/eligible_for_automation to the response with the 200 status
  response-optional-property-added
Aug 27, 2026d7e586ccc6bc22See the full diff
- ▲
  added QuotePaymentRequest to the allOf[subschema #1: QuoteCreateRequest]/quote/payment request property allOf list
  request-property-all-of-added
- ▲
  the allOf[subschema #1: QuoteCreateRequest]/quote/payment request property type/format changed from object/ to /
  request-property-type-changed
- ●
  removed the request property allOf[subschema #1: QuoteCreateRequest]/quote/payment/payment_schedule_discount
  request-property-removed
- ●
  removed the request property allOf[subschema #1: QuoteCreateRequest]/quote/payment/schedule
  request-property-removed
Aug 20, 20265eb1015ce92211See the full diff
- ▲
  removed SquattersAndEvictionExpenseCoverageRequest from the allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_coverages/items/ request property oneOf list
  request-property-one-of-removed
- ○
  removed squatters_and_eviction_expense discriminator mapping keys from the allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_coverages/items/ request property
  request-property-discriminator-mapping-deleted
This revision also has 3 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Aug 19, 20262fbfe2df0cf82See the full diff
- ●
  added the new description enum value to the policy_coverages/items/config/items/type response property for the response status 200
  response-property-enum-value-added
- ●
  added the new description enum value to the properties/items/property_coverages/items/config/items/type response property for the response status 200
  response-property-enum-value-added
Aug 16, 2026fca1b073de2d8See the full diff
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/finished_basement_percent
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/kitchens
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/primary_interior_wall_material
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/property_slope
  new-optional-request-property
- ○
  added the optional property properties/items/property_details/finished_basement_percent to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/kitchens to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/primary_interior_wall_material to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/property_slope to the response with the 200 status
  response-optional-property-added
Aug 11, 202693134a122b7011See the full diff
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/garages/items/carport_additional_walls
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/garages/items/style
  new-optional-request-property
- ○
  added the optional property properties/items/property_acknowledgements/claims_automations/items/actions to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_acknowledgements/claims_automations/items/matched_row to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_acknowledgements/claims_automations/items/underwriting_rule to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/garages/items/carport_additional_walls to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/garages/items/style to the response with the 200 status
  response-optional-property-added
- ○
  added the required property properties/items/property_acknowledgements/claims_automations/items/attestations to the response with the 200 status
  response-required-property-added
- ○
  added the required property properties/items/property_acknowledgements/claims_automations/items/dwelling_id to the response with the 200 status
  response-required-property-added
- ○
  added the required property properties/items/property_acknowledgements/claims_automations/items/loss_type to the response with the 200 status
  response-required-property-added
- ○
  added the required property properties/items/property_acknowledgements/claims_automations/items/matched_row_id to the response with the 200 status
  response-required-property-added
Jul 26, 2026ef7f4cefb7e81217See the full diff
- ▲
  added ralphie__models__mapped_models__BuildingQuality to the allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/building_quality request property allOf list
  request-property-all-of-added
- ●
  deleted the query request parameter aud
  request-parameter-removed
- ●
  removed BuildingQuality from the allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/building_quality request property allOf list
  request-property-all-of-removed
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/average_wall_height_feet
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/bathroom_details
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/bedrooms
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/building_quality_details
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/fireplaces
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/foundation_shape
  new-optional-request-property
- ○
  added the new optional request property allOf[subschema #1: QuoteCreateRequest]/quote/properties/items/property_details/garages
  new-optional-request-property
- ○
  added the optional property properties/items/property_acknowledgements/claims_automations to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/average_wall_height_feet to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/bathroom_details to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/bedrooms to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/building_quality_details to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/fireplaces to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/foundation_shape to the response with the 200 status
  response-optional-property-added
- ○
  added the optional property properties/items/property_details/garages to the response with the 200 status
  response-optional-property-added
- ○
  added ralphie__models__mapped_models__BuildingQuality to the properties/items/property_details/building_quality response property allOf list for the response status 200
  response-property-all-of-added
- ○
  removed BuildingQuality from the properties/items/property_details/building_quality response property allOf list for the response status 200
  response-property-all-of-removed
This revision also has 1 change that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog

Full history