Property data, United States, 20-year history
Insurance X-Dates
Home insurance policy expiration and renewal dates estimated from the purchase closing date, with owner contact.
Home insurance binds at closing and renews on that anniversary. From 200 million transaction records we derive the expected x-date for 85 million owner-occupied homes, with a confidence tier based on purchase recency and the escrow and cash pattern of the sale, and attach the owner's name, mailing address and matched phone and email.
This is the largest defensible x-date file we know of, and the only one built from ground-truth public record rather than survey or inferred data.
Sample rows
Illustrative and synthetic. Real samples for your geography are a reply away.
| property_id | owner_name | address | city | state | purchase_date | x_date | confidence | escrowed | mobile | |
|---|---|---|---|---|---|---|---|---|---|---|
| P7710••• | A••••• N••• | 5•• Maple Ridge Dr | Franklin | TN | 09/02/2024 | 09/02/2026 | High | Yes | (615) •••-••33 | a•••••@outlook.com |
| P2271••• | H••••• LLC | 88 N••••• Ct | Scottsdale | AZ | 02/12/2019 | 02/12/2027 | Medium | No |
Schema
| Field | Type | Notes |
|---|---|---|
| property_id | identifier | non-personal |
| owner_name | text | personal data |
| address | text | personal data |
| city | text | non-personal |
| state | text | non-personal |
| purchase_date | date | non-personal |
| x_date | date | non-personal |
| confidence | number | non-personal |
| escrowed | boolean | non-personal |
| mobile | phone | personal data |
| personal data |
Abridged. The full data dictionary ships with every sample and lists every field, its fill rate and its source.
Used for
- P&C acquisition timed to renewal
- Agency and carrier lead programs
- Cross-sell for mortgage and home services
- Renewal-window direct mail
How it is built
Purchase dates come from recorded deeds; the x-date is the next anniversary. Confidence weights recent purchases and escrowed loans higher, since those policies are almost certainly still on the original cycle.
Questions we get
Is it the real policy date?
It is an estimate from the closing date, which is how most policies start. We report confidence so you can spend on the sure ones.
Which states?
All 50. A handful of states with limited pre-1990 deed history have thinner coverage on long-tenure owners.