Co-applicant A co-applicant is a co-owner listed on the deed who also lives in the home. This could be a partner, relative, or anyone with an ownership interest in the home. Please note: Your spouse must be listed as a co-applicant even if they're not on the deed. You only need to list yourself and your co-applicant on your homeowners policy. Relatives who live with you are automatically covered, including any dependents under 21 years old.
Square footage This is the total living space of your home, which includes living rooms, bedrooms, bathrooms, closets, and so on. If you have multiple stories, include the area for all floors in your final count. Don't include your basement, garage, attic (unless they're finished), or your outdoor area. If you're unsure about your home's square footage, you may be able to find it in your appraisal report, from your real estate agent.
Number of stories This is the number of floors that are above ground and doesn't include the attic or basement. If you have a set of stairs leading to full living quarters (with walls at least 8 feet tall), you have a 2-story home. If your stairs lead to another floor that isn't full height or is smaller in square footage than the ground floor, you have a 1.5-story home.
Number of separate living units Separate living units are the number of family residences you have within your property. Typically, these units can share a wall, but have individual, private entrances, kitchens, and bathrooms. For instance, a duplex is considered 2 separate living units, a triplex is 3, and so on.
Tell us about your home's safety features. Select all that apply. info
Safety Features Having safety features helps protect your biggest investment. For instance, something as simple as a smoke alarm could save your home from fire damage by providing early warning. Plus, if your home has safety features, you could qualify for a discount. It's a win-win. If you have smoke alarms on every floor and a fire extinguisher, you'll qualify for a discount. But if you want better protection, make sure that your fire extinguisher is ABC-rated (so that it can be used on different types of fires) and has a UL-listed label. Additionally, install a smoke alarm in every bedroom and living area. And don't forget to test the batteries monthly and change them twice a year (at daylight savings time). A fire sprinkler system is designed to automatically and immediately respond to a fire and control it. Typically, the sprinklers are attached to a network of pipes hidden behind the walls or ceiling. A fire alarm, usually more common in larger homes or multi-unit properties, is either connected to a fire station or a central monitoring station. All deadbolt locks are eligible for a discount. However, if you want utmost security, pick one that's ANSI-rated with a grade 1 classification (the highest strength rating for residential locks) and a UL certification of 437. A burglar alarm (without monitoring service) will sound a bell or siren or flash lights once activated, but it won't notify the authorities. Typically, a burglar alarm (with monitoring service) is kept under surveillance 24/7. If something triggers it, the alarm company will notify the police. A water leak shut-off device will shut off your water the moment it senses a leak. A water leak detection alarm will sound when it senses even the smallest amount of moisture. Generally, these are placed around areas where water leaks could happen — water heaters, toilets, washing machines, etc.
Number of fireplaces Include all wood or gas fireplaces as well as any wood-burning stoves. Wood-burning stoves are free-standing units (think pot-belly stoves) that use wood or wood pellets as a fuel source.
Number of bathrooms A full bath typically has all the amenities you’d need: toilet, sink, shower, and tub. If you have a ¾ bathroom (one that comes with a toilet, sink, and either a shower or tub), consider it as a full bath. A half bath (sometimes known as a powder room) typically comes with 2 fixtures, a toilet, and a sink.
Bathroom quality Details regarding your bathroom(s) will help us estimate how much it'd cost to reconstruct your bathroom(s) should the unexpected occur. In case of a total loss, you want enough coverage to rebuild your home to its previous condition.
Kitchen quality Details regarding your kitchen will help us estimate how much it'd cost to reconstruct it should the unexpected occur. In case of a total loss, you want enough coverage to rebuild your home to its previous condition.
Primary foundation type The foundation is what your home rests upon and is crucial to the structural integrity of your abode. Please select the type that makes up the majority of your foundation. Slab - If you have a slab foundation, your home is built on a concrete pad that’s poured directly on the ground. Basement - If you have a basement foundation, your home has an excavated area below ground, generally around 8 feet deep. It can include a slab floor, walls, and a stairway leading up to the ground floor. Other - Other types of foundations include: - A crawl space (an excavated or unexcavated area below the home that’s less than 5 feet deep) - Piers (a grid system of beams and piers that elevates the home) - Hillside (wood or steel columns set on concrete footings)
Primary exterior wall type Select the material that makes up the majority of your exterior walls. Solid brick / stone / block Solid brick has no composite materials; stone can include fieldstone, sandstone, or limestone; and block walls are typically concrete. These types of walls will have no other material covering them. Brick veneer Brick veneers feature a decorative brick façade attached to a wood or metal frame. Vinyl / aluminum / plastic siding Vinyl and plastic siding typically imitate the look of wood. Aluminum can be made to look like other materials, such as wood or clapboard. (To tell if your siding is aluminum, look for any dents — aluminum tends to dent easily.) Siding can either horizontally or vertically cover the wood or metal frame. Stucco on brick Stucco is a composite of sand, cement, limestone, and water. To enhance the aesthetic appeal, brick walls often have stucco applied over them. Stucco on frame With a stucco-on-frame exterior wall, stucco is applied to a stud wall base (vertical pieces of wood that make up the inside of the wall). Wood siding / shake Wood siding consists of primarily natural wood (cedar or redwood) planks that cover the exterior frame walls. Shake siding, often known as shingles, is made from pieces of split wood. Vinyl / aluminum / plastic on brick With this type of wall, vinyl, aluminum, or plastic siding serves as a veneer covering the brick wall. Wood siding / shake on brick With this type of wall, wood or shake siding acts as a veneer covering the brick wall.
Primary roof composition Select the material that makes up the top layer of your roof — or what's visible to the eye. Asphalt shingles also known as composition shingles, asphalt roofs are the most common roof type. Hail-resistant roofs, typically made of asphalt or composition shingles, are designed to withstand the impact of hail. They must be UL certified with a class designation of 1, 2, 3, or 4. If you have one on your home, you could earn a discount. Documentation may be required for the discount to apply. Wood roofs can be shake (pieces of split wood) or shingle (tapered pieces of wood, usually pine, in varying dimensions). Tile roofs can be made from clay or concrete. They're generally resistant to high winds, making them a popular choice for homes in the Southeast. Slate is a dense, fine-grained rock that can be cut into thin slabs or tile in varying sizes, thicknesses, and finishes. Metal roofs can be made from aluminum, steel, copper, lead, or a combination of different metals. Other roofing materials include gravel, fiberglass, foam, rubber, thatch, rubber, etc.
Roof year If your roof has never been replaced (i.e. received a whole new layer of roofing material), let us know when your home was built.
How many people live in your home? Include only those who consider your home their primary residence. You don’t have to include people who reside with you only some of the time, like visiting relatives or children who stay with you on the weekends.
Wild or exotic animals Wild or exotic animals are undomesticated creatures whose natural habitat is the wild. They can include alligators, tigers, monkeys — in short, anything you might find at a zoo. Even if your exotic "pet" has been bred in captivity, it's still considered wild
Business from home If you own a business (a screen-printing company, for instance) and conduct business from home, please select yes. If you simply work at home for an employer, select no.
Property claims List any claims you filed regarding your property insurance, whether it's for homeowners, renters, or condo insurance.
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