Xactimate Pricing Guide: Plans, Costs, and What’s Included

What Is Xactimate and Why Pricing Matters

What the Software Is Used For

Xactimate is the most widely used software for creating property damage estimates. Whether you're handling insurance claims, restoration jobs, or catastrophe response, Xactimate helps you:

• Create fast, accurate estimates

• Use regionally updated pricing

• Submit work that meets carrier standards

It’s trusted by top insurance carriers and restoration contractors because it saves time and improves claim approval rates.

Who Needs It and Why

Professionals who need Xactimate include:

• Insurance adjusters – to write approved scopes of work

• Restoration contractors – to bill insurance jobs accurately

• Third-party estimators – to deliver professional, audit-ready reports

• Back-office teams – to support claim workflows and submissions

Without Xactimate, it’s hard to get paid properly in insurance-backed jobs.

Want to integrate it into your support team? Learn more in What Is Back Office Outsourcing.

Pricing vs. Value

At first glance, Xactimate pricing may seem high compared to general estimating software. But consider this:

• It includes monthly pricing updates

• It supports insurance-ready exports (ESX)

• It ensures faster claim approvals

That means fewer rejected claims, faster payments, and less time spent correcting estimate errors.

Explore how accurate pricing helps with Xactimate White Pages.

Xactimate Pricing Plans Overview

Xactimate Professional (Monthly and Annual)

The most common subscription is Xactimate Professional, which includes:

• Access to Desktop, Online, and Mobile

• Cloud storage and syncing

• Monthly pricing updates

Current pricing (as of this writing):

• Monthly: ~$149/month

• Annual: ~$1,200/year (saves ~$588/year)

This plan is ideal for full-time estimators and companies managing multiple projects each month.

Xactimate Online Only

For lighter users, Xactimate Online only is more affordable and accessible. It includes:

• Access from any browser

• Cloud project storage

• Basic sketch and estimate tools

Ideal for:

• Freelancers

• Field staff

• Teams that don’t need advanced desktop features

Mobile Access and Add-Ons

The Xactimate Mobile app is included with Professional and Online subscriptions. It supports:

• On-site documentation

• Photo uploads

• Quick scope creation

Some companies purchase add-ons like:

• XactContents for personal property

• Additional storage space

• Admin dashboards for team tracking

Need help choosing the right version? Start with Xactimate Software: What It Is, How It Works.

What’s Included in Each Subscription

Desktop + Online + Mobile Access

The Professional plan includes all platforms:

• Desktop: Full features, ideal for power users and admins

• Online: Accessible from any browser

• Mobile: Field-friendly for photos, notes, and scope capture

All three platforms sync through Xactware’s cloud, ensuring you can start an estimate in the field and finish it at your desk.

Want to train your team on all platforms? Read Xactimate Training.

Cloud Storage and Sync

Each subscription includes:

• Project backup to the cloud

• Syncing across devices and users

• Access to shared project folders

This is critical for remote teams, ensuring no estimate is lost due to device failure or miscommunication.

Monthly Price List Updates

Xactimate provides region-specific pricing updates each month, which include:

• Labor costs

• Material prices

• Equipment rates

These updates ensure your estimates remain accurate and meet insurer expectations. Some areas may even offer catastrophe-specific pricing.

Dive deeper into how it works in Xactimate Price List.

Additional Costs to Consider

Certification Fees

To become Xactimate Certified, you must pay testing fees:

• Level 1: ~$100

• Level 2: ~$200

• Level 3: ~$300+

These tests validate your proficiency and are valuable if you freelance or manage a team.

Training Costs

Training isn’t included in the base subscription. Expect to pay:

• $0–$100 for online video courses

• $300–$1,000+ for in-person workshops or Verisk training

• $1,000+ for private team sessions

Good training speeds up your learning curve and boosts ROI quickly.

For affordable options, see Xactimate Mobile Training.

Storage or Export Add-Ons

You may also pay for:

• Additional cloud storage

• XactContents (for personal property)

• Premium reporting or admin dashboards

These are optional but can improve team coordination, especially at scale.

How to Choose the Right Plan

For Independent Adjusters

Choose Xactimate Online or Professional (monthly) if:

• You work part-time or solo

• You need ESX exports for carrier submission

• You manage 5–15 estimates/month

Pair with online courses or certification to increase your credibility.

For Restoration Companies

Choose Professional (annual) if:

• You manage teams or high-volume claims

• You want to centralize project storage

• You need full Sketch and reporting tools

Also consider internal training systems, macros, and team SOPs for efficiency.

Need a structure? Read How to Streamline Back-Office Operations.

For Admin or Back-Office Teams

Choose Xactimate Online access for:

• Supporting estimators remotely

• Uploading photos and documents

• Prepping reports and invoices

This version keeps costs low while helping manage estimate pipelines.

Is Xactimate Worth the Price?

Comparing Costs to Competitors

Compared to other estimating platforms, Xactimate may seem expensive. But it remains the only software recognized by nearly every major insurance carrier. This means:

• More claim approvals

• Fewer disputes

• Faster payments

Competitors may cost less, but they often require manual data translation or aren't accepted for insurance claims.

ROI From Faster Approvals and Better Accuracy

With Xactimate, your business can:

• Cut estimating time in half

• Get paid faster with fewer rejections

• Improve cash flow and documentation accuracy

Even solo users often recover the subscription cost in 1–2 approved estimates.

Explore cost reduction further in How Operational Efficiency Drives Sales Growth.

When to Scale or Downgrade

• Scale up when your volume increases or you hire staff

• Downgrade if you only write a few estimates per month or shift to admin roles

You can switch plans or pause subscriptions depending on your project cycle.

Xactimate Pricing Tips: How to Save Money and Maximize Value

Investing in Xactimate is essential if you want to submit insurance-approved estimates—but that doesn’t mean you have to overspend. With smart planning and a few insider tricks, you can optimize your subscription, cut hidden costs, and increase your return on investment.

Whether you're a solo adjuster or managing a multi-crew restoration firm, these tips will help you get the most out of Xactimate pricing.

1. Start With the Online Plan if You’re New

If you're just getting started and only handle a few jobs per month, begin with the Xactimate Online plan instead of jumping straight to Professional. It costs less and includes:

• Access from any web browser

• Regional pricing lists

• Sketch and scope-building tools

You can upgrade to Professional anytime if your workload increases.

Need a full breakdown? See Xactimate Software: What It Is, How It Works.

2. Choose Annual Billing to Save Over $500/Year

If you’re using Xactimate consistently, switch to annual billing. Xactimate Professional is ~$149/month, but only ~$100/month when billed annually (around $1,200 total). This saves about $588 a year.

If you're managing estimates for a business, that’s money that can be reinvested into team training or back-office tools.

3. Share Licenses Within Guidelines

For teams, it's common to share access across devices as long as you're within Xactware’s user agreement. For example:

• Use one license for both desktop and mobile

• Admins can prepare estimates, while field users capture photos

Avoid using the same login for multiple users at once—this risks errors and data loss. Instead, plan around scheduling and shift use.

4. Use Free Training Tools Before Buying Courses

Before purchasing paid training, take advantage of free Xactimate resources such as:

• Xactware's YouTube tutorials

• Official product documentation

• Peer walkthroughs from experienced users

If you're a hands-on learner, these can take you far—especially when paired with simple practice projects.

Explore a full roadmap in Xactimate Training: How to Learn Estimating Fast.

5. Build Estimate Templates and Macros

Over time, many Xactimate users waste time re-creating the same line items from scratch. Fix that by:

• Creating reusable estimate templates

• Building custom macros for common job types (like water dryout or roof tarp)

This not only speeds up estimating but reduces costly errors—saving time that would otherwise be spent on rework.

Need help automating? Read How to Automate Back-Office Operations.

6. Train Your Team Before Adding Seats

Adding more user seats to your plan before your team is ready can inflate costs without increasing efficiency. Instead:

• Start with a smaller number of licenses

• Train users using shared devices or staggered schedules

• Promote "power users" who can support others

When your team is ready for expansion, you’ll see faster returns from your investment.

Build a scalable org chart with How to Build Your Dream Team.

7. Use Estimate Auditing to Catch Hidden Waste

Missed line items, incomplete sketches, and pricing mismatches can all lead to lost revenue. Establish a simple internal audit process:

• Use checklists before submitting any estimate

• Compare against scope sheets or site photos

• Use Verisk’s SmartList tool for red flag detection

This improves approval rates and reduces revisions—which cost time and money.

8. Bundle Xactimate With Other Verisk Products Only if Necessary

Verisk often offers bundles like XactContents, ClaimXperience, and Property InSight. Only upgrade if:

• You handle a lot of personal property estimates

• You manage large restoration teams

• You’ve maxed out what Xactimate alone can handle

Otherwise, these add-ons can drive up costs without much added value.

9. Watch for Discounts via Industry Associations

Sometimes Verisk offers discounts through:

• Insurance adjuster training programs

• Restoration industry events (RIA, IICRC)

• Group plans for franchises or large contractors

Check with your trade organization or licensing provider to see if discounts are available.

10. Track ROI Monthly

To make sure you're getting full value from your subscription:

• Count how many jobs Xactimate helped you win or submit

• Measure how much faster your team is estimating

• Track claim approvals vs. revisions

Most pros recoup the subscription cost in just 1–2 approved jobs per month. If not, reassess your team’s training or internal workflow.

For ideas on better workflows, check out How Operational Efficiency Drives Sales Growth.

Price Is What You Pay, Value Is What You Get

Xactimate may not be the cheapest estimating tool—but it's one of the most powerful and widely accepted. The key is using every feature and structuring your team to get full value from your subscription.

By applying these tips, you can save hundreds of dollars each year and increase job profitability at the same time. And if you're unsure how to structure your estimating system for speed, quality, and approval rates—OpsArmy is ready to help.

Our AI-powered back-office teams can optimize your workflows, train your staff, and run your operations—all while ensuring you're getting every dollar of value from your software.

Ready to maximize your tools? Visit operationsarmy.com and get started.

Final Thoughts: Get the Most from Your Subscription

Xactimate pricing reflects the software’s professional-grade value. If you rely on accurate, fast, and approved estimates, it’s well worth the investment. The key is:

• Picking the right plan for your team

• Using training to reduce mistakes

• Leveraging cloud tools to stay organized

For companies that want help managing this tool within a larger back-office system, OpsArmy can set it up, maintain it, and help your team use it correctly—without wasting hours.

OpsArmy Can Help

OpsArmy is building AI-native back office operations as a service (OaaS). We help businesses run their day-to-day operations with AI-augmented teams, delivering outcomes across sales, admin, finance, and hiring. In a world where every team is expected to do more with less, OpsArmy provides fully managed “Ops Pods” that blend deep knowledge experts, structured playbooks, and AI copilots. Think of us as your operational infrastructure: running faster, leaner, and smarter business execution. 👉 Visit operationsarmy.com to learn more.

Sources

• Xactware Subscription Pricing – https://www.xactware.com

• Verisk Product Tiers and Plans – https://www.verisk.com

• Xactimate Training and Certification Costs – https://www.xactware.com/en-us/training