Glossary
Home Rater
| # of Bathrooms | The number of bathrooms the dwelling has. |
| # of Bedrooms | The number of bedrooms the dwelling has. |
| # of Families | The number of families that live in the dwelling. |
| # of Half Baths | The number of half baths the dwelling has. |
| # of Stories | The number of stories the dwelling has. |
| Address | Client's address |
| Admin Fee | Amount of admin fees |
| Building Type (residence type) | The type of residence the dwelling is. |
| Burglar Alarm | Local - when activated sets off a bell, siren/and or a strobe light outside your home. Authorities are not notified unless someone hears the alarm and calls the police. Central - A “central station alarm” is monitored by an alarm company 24/7 PoliceFireStation - Fire and/or police dept notified |
| City | Client's city |
| Co-Applicant | Is there a co applicant? |
| Co-Applicant Address | Street address of co-applicant |
| Co-Applicant City | City of of co-applicant |
| Co-Applicant DOB | Date of birth of co-applicant |
| Co-Applicant email | Co-applicant's email address |
| Co-Applicant First | First name of co-applicant |
| Co-Applicant Gender | Gender of co-applicant |
| Co-Applicant Last | Last name of co-applicant |
| Co-Applicant Marital Status | Marital Status of co-applicant |
| Co-Applicant Middle | Middle Initial of co-applicant |
| Co-Applicant Notes | Special notes for co-applicant |
| Co-Applicant Phone | Phone number of co-applicant |
| Co-Applicant Relationship | Co-applicant's relationship to client |
| Co-Applicant SSN | Social security number of co-applicant |
| Co-Applicant State | State of co-applicant |
| Co-Applicant Suffix | Suffix of co-applicant |
| Co-Applicant Zip | Zip of co-applicant |
| Construction Material (construction type) | The type of construction material the dwelling is made of. |
| Controlled Access | Gated entry or secured subdivision |
| Covered Porch | Does the dwelling have a covered porch? |
| Deadbolts | Does the dwelling deadbolt each door? |
| Distance to Water (ft) | How many feet the dwelling is from water. |
| DOB | Date of birth of the client |
| Dwelling Address | Dwelling address |
| Dwelling Coverage Amount - Cov A | Property Coverage This specifies coverage of the main residence and any attached structures, such as a garage. Materials and supplies for repair or new construction to the main residence is also covered. Land is specifically excluded. |
| Dwelling State | Dwelling state |
| Dwelling Zip | Dwelling zip |
| Dwellling City | Dwelling city |
| Client's email address | |
| Employer | Client's employer |
| Exclude Wind | Exclude wind coverage |
| Fax | Client's fax number |
| Feet to Fire Hydrant | The amount of feet to the nearest fire hydrant. |
| Fire Alarm | Local - when activated sets off a bell, siren/and or a strobe light outside your home. Authorities are not notified unless someone hears the alarm and calls the police. Central - A “central station alarm” is monitored by an alarm company 24/7 PoliceFireStation - Fire and/or police dept notified |
| First | First name of the client |
| Flood Companion Policy | Is there a flood companion policy? |
| Flood Policy # | The policy number of the flood companion policy |
| Foundation Type | The foundation type the dwelling sits on. |
| Garage - # of Cars | The number of cars the carport(s) or garage(s) allow in dwelling |
| Garage Type | Type of car parking the dwelling has. Ex: carport, garage... |
| Gender | Gender of the client |
| Home business | Does the dwelling have a business? |
| Home Phone | Client's home phone |
| Hurricane Deductible | The amount a home insurance policyholder must pay out of pocket for a covered claim. |
| Increased Replacement Cost | Optional coverage that increases your Coverage A and B limits to protect you from any unforeseen increases in construction cost due to economic factors. |
| Last | Last name of the client |
| Loss of Use - Cov D | Property Coverage If the main dwelling is unfit because of a covered loss, then this policy will cover loss of use expenses and income up to 30% of Coverage A. |
| Marital Status | Marital Status of the client |
| Market Value | The current value of your home, including the price of land. |
| Med Pay - Cov F | Liability Coverage Coverage designed to pay for medical expenses to others who are accidentally injured on an insured location |
| Middle Initial | Middle Initial of the client |
| Miles to Fire Station | The number of miles to the nearest fire station |
| Mobile Phone | Client's mobile phone |
| Month / Year Built | The month and year the dwelling was built |
| Months per Yr Occupied | How many months of the year is the dwelling occupied? |
| New Purchase | Is the dwelling a new purchase? |
| Non-Hurricane Deductible (AOP - All Other Perils) | The amount a home insurance policyholder must pay out of pocket for a covered claim that is not caused by a hurricane |
| Occupancy | Is the house occupied? |
| Occupation | Occupation of the client |
| Opening Protection | Type of opening protection for windows/doors. Example: Shutters |
| Other Fee | Amount of any other fees. |
| Other Structures - Cov B | Property Coverage This covers any structure not attached to the main dwelling such as a garage or tool shed. The amount of coverage is limited to 10% of the main dwelling. |
| Parish | Client's parish (only in Louisiana) |
| Personal Liability - Cov E | Liability Coverage Liability coverage provided by the homeowners policy that protects the insured against the financial consequences of liability to others for bodily injury (BI) and property damage (PD) |
| Personal Property - Cov C | Property Coverage Generally, all unscheduled personal property of the insured where the loss is verifiable and that is not normally covered by other policies is covered, regardless of where it is located. Thus, if a covered college student’s computer is stolen at school, then the loss will be covered. The amount of coverage is limited to 50% of Coverage A, although this amount can be increased, if desired, by an endorsement. |
| Plan | HO-1 - Basic perils coverage (narrow coverage) HO-2 - Named perils policy HO-3 - Special Form (Open Perils Policy) HO-4 - Contents Broad Form HO-5 - Comprehensiive Form HO-6 - Unit-Owners Form HO-8 - Modified Coverage Form |
| Policy Fee | Amount of policy fee |
| Previous Address | Client's previous address |
| Previous City | Cleint's previous city |
| Previous State | Client's previous state |
| Previous Zip | Client's previous zip |
| Primary Heat Source | The dwelling's primary heat source |
| Prior Liability Limit | The liability limit of the prior policy |
| Prior Policy Expiration Date | The expiration date of the prior policy |
| Producer | Agent producing quote. |
| Protection Class (PPC - Policy Protection Class) | 1 - Best, 10 - Worst - Fire department quality - Water supply system - Fire alarm & communications |
| Purchase Date | When was the dwelling purchased. |
| Purchase Price | Purchase price of dwelling. |
| Replacement Cost | Pays for the cost to replace damaged property or structures without factoring in deductions for depreciation, but payment is limited to a maximum dollar amount. |
| Roof Condition | The condition of the roof. |
| Roof Material | The material the roof is made of. |
| Roof Shape | The dwelling's roof shape. |
| Screened Enclosure | Does the dwelling have a screened enclosure? |
| Secondary Heat Source | The dwelling's secondary heat source |
| Secondary Water Resistance | A secondary water resistant barrier is a self adhering modified bitumen underlayment. Basically, this is a peel and stick type of material that is installed before the shingles. A benefit of this type of material is it adheres directly to the roof decking, and if you were to lose your roofing material in a storm this material will stay providing a secondary water resistant barrier (SWR) |
| Siding Type | The type of siding the dwelling is made of. |
| Source | Source of referral |
| SSN | Social Security Number of the client |
| State | Client's state |
| Status | Client quote status |
| Suffix | Suffix of the client |
| Swimming Pool | Does the dwelling have a swimming pool? |
| Total Square Feet | Total square footage of the dwelling |
| Type of claim | Liability - Property Damage Liability - Bodily Injury Fire Flood Water Damage Theft Hurricane |
| Units within Firewall | How many units are within the firewall. |
| Usage | How is the dwelling used? Ex: Farming, rental... |
| Wiring Type | Type of wiring in the dwelling. Example: Copper. |
| Within City Limits | Is the dwelling within city limits? |
| Wood Burning Stove | Does the dwelling contain a wood burning stove? |
| Work Phone | Client's work phone |
| Year Electrical Installed | Most recent installation of the electrical wiring |
| Year Heating Installed | Most recent installation of the primary heat source |
| Year Plumbing installed | Most recent installation of the most recent plumbing |
| Year Roof Installed | Most recent installation of the roof |
| Years Employed | Client's years employed to employer |
| Zip | Client's zip |