# 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"
    }
  }
}
```


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.insurgrid.com/data-webhook-page/webhooks/data-format/homeowners/overview.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.