> For the complete documentation index, see [llms.txt](https://docs.insurgrid.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.insurgrid.com/data-webhook-page/webhooks/data-format/homeowners/overview.md).

# Overview

## Homeowners Insurance Webhook

This webhook delivers **homeowners insurance policy data** when new declaration page is uploaded.\
It includes policy details, property characteristics, coverages, discounts, mortgagee information, billing, and insurer contacts.

***

### 🔑 Key Sections in the Payload

#### Document Link

Includes a secure link to the client-uploaded document. The link expires within one hour in accordance with security requirements.

#### Policy Information

* Provider and policy number
* Policy type, term, and effective dates
* Premium and billing details
* Change history

#### Property

* Property type (single-family, condo, etc.)
* Address and construction details
* Roof type, year built, square footage, occupancy

#### Coverages

* Dwelling, personal property, other structures
* Loss of use, medical payments, liability
* Additional coverages (e.g., water backup, replacement cost protection)

#### Discounts

* Multi-policy, loss free, good payer, protective devices

#### Mortgagee

* Mortgage company information (name, address, loan number)

#### Exclusions & Deductibles

* Excluded risks (e.g., flood, earthquake)
* Deductibles for all perils and special cases

#### Endorsements

* Special provisions and additional policy benefits

#### Policyholder

* Name and contact details
* Address

#### Insurer Information

* Company name and contact numbers
* Claims and service phone numbers

***

### 📦 Example Payload

```json
{
  "topic": "client-submission",
  "document_link": "https://s3.us-east-2.amazonaws.com/xxxx",
  "data": {
    "policy": {
      "provider": "Travelers Personal Insurance Company",
      "policy_number": "612196357 633 1",
      "policy_type": "Homeowners",
      "policy_term": "12 months",
      "coverage_period": {
        "start_date": "2022-07-22",
        "end_date": "2023-07-22"
      },
      "annual_policy_premium": 1363,
      "coverage_level": "Travelers Protect Plus®"
    },
    "property": {
      "type": "Single Family",
      "location": {
        "street": "2429 ROBIN HOOD PL NE",
        "city": "MARIETTA",
        "state": "GA",
        "zip": "30068-2240"
      },
      "year_built": 1963,
      "square_footage": 1504,
      "roof_type": "Metal"
    },
    "coverages": {
      "dwelling": {
        "limit": 333000,
        "deductible": 1000
      },
      "personal_property": {
        "limit": 150000,
        "deductible": 1000
      },
      "personal_liability": {
        "limit": 500000
      }
    },
    "discounts": [
      {
        "type": "Multi-Policy"
      },
      {
        "type": "Loss Free"
      }
    ],
    "mortgagee": {
      "name": "NATIONSTAR MORTGAGE LLC ISAOA/ATIMA",
      "loan_number": "6870081281"
    },
    "policyholder": {
      "name": "CECILY SAPP",
      "email": "CEESAPP@GMAIL.COM",
      "address": {
        "street": "2429 ROBIN HOOD PL NE",
        "city": "MARIETTA",
        "state": "GA",
        "zip": "30068-2240"
      }
    },
    "insurer_information": {
      "company_name": "Travelers Personal Insurance Company",
      "claims_phone": "1.800.252.4633",
      "service_phone": "1.800.842.5075"
    }
  }
}
```


---

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