Policy Schema
Policy Type
object (Policy)
Policy Properties
| Field | Type | Nullable | Description | Properties | Example |
|---|---|---|---|---|---|
carrier | String (Enum) | Carrier code | enum:travelers,geicostatefarmReference: Carriers Code | statefarm | |
fz_policy_number | String (UUID) | Internal ID of the policy | po_6b0906e398ff473a | ||
policy_type | String (Enum) | Yes | Policy type | enum:Auto,Home, Bikes, Vessel,Recreational Vehicle,Renters, Pet,Natural Calamity,Valuable Possession, Umbrella, Life,Valuable Personal Property,Snowmobile, Trailer,General Liability,Commercial Auto,Commercial Package,Reference Policy Type Enums | Auto |
policy_product_title | String | Yes | Policy Product Title | Auto 7224J016371 | |
policy_number | String | Yes | Carrier Policy number | 7224J016371 | |
policy_holder | Object | Policy holder | |||
policy_start_date | String | Yes | Policy start date | 2021-01-01 | |
policy_end_date | String | Yes | Policy end date | 2024-02-21 | |
policy_status | String (Enum) | Yes | Policy status | enum:Active, Inactive, Cancelled, Renewal, Unknown,null Reference: Policy Status Enums | Active |
policy_premium | Number | Yes | Policy Total Premium | 580.8 | |
policy_monthly_premium | Number | Yes | Policy Monthly Premium | 96.8 | |
policy_term_months | Number | Yes | Policy Term Months | 6 | |
policy_detail | Object | Auto or Home policy details | Reference: (Auto Policy Detail or Home Policy Detail | ||
documents | Object | Policy documents | Reference:documents | ||
policy_discount | Object | Policy discounts | Reference:policy_discount | ||
forms_endorsements | Array | List of Forms and Endorsements | Reference:forms_endorsements | ||
billing_history | Object | Policy billing history | Optional Reference: billing_history |
Sample Auto JSON
{
"carrier": "statefarm",
"fz_policy_number": "po_6b0906e398ff473a",
"policy_type": "Auto",
"policy_product_title": "Auto 7224J016371",
"policy_number": "7224J016371",
"policy_holder": {
"first_name": "William",
"middle_name": "H.",
"last_name": "Martinez",
"full_name": "William H. Martinez",
"birth_date": "1987-10-21",
"age": 35,
"email": "[email protected]",
"phone": "9037442554",
"address": {
"entity_number": "1447",
"street": "Winding",
"city": "Providence",
"state": "RI",
"zip": "22903",
"country": "USA",
"raw_address": "1447, Winding Way, Providence, RI 22903"
}
},
"policy_start_date": "2024-08-21",
"policy_end_date": "2024-02-21",
"policy_status": "Active",
"policy_premium": 580.8,
"policy_monthly_premium": 96.8,
"policy_term_months": 6,
"policy_detail": {
"drivers": [
{
"personal_info": {
"first_name": "William",
"middle_name": "H.",
"last_name": "Martinez",
"full_name": "William H. Martinez",
"email": "[email protected]",
"phone": "9037442554",
"address": {
"entity_number": "1447",
"street": "Winding",
"city": "Providence",
"state": "RI",
"zip": "22903",
"country": "USA",
"raw_address": "1447, Winding Way, Providence, RI 22903"
},
"gender": "Male",
"marital_status": "Married",
"birth_date": "1987-10-21",
"age": 35,
"relation": "Self",
"education": "Engineer",
"occupation": "Software Engineer",
"full_time_student": "No"
},
"license": {
"license_number": "D123-456-789-012",
"license_issuing_state": "Rhode Island",
"license_status": "Active",
"driver_status": "Active"
}
}
],
"vehicles": [
{
"raw_name": "2020 LAND ROVER DISCOVERY SPORT",
"model": "ROVER DISCOVERY SPORT 4 DOOR WAGON",
"sub_model": "Premium",
"make": "LAND ROVER",
"year": 2020,
"vin": "1C7GJFBG2MC631234",
"premium": 508,
"primary_use": "Pleasure",
"garaged_zip": "40220",
"annual_mileage": 12.97,
"has_alarm": 1,
"has_anti_lock_brakes": 1,
"ownership_status": "Owned",
"vehicle_coverage": {
"uninsured_underinsured_property_damage": {
"coverage_display_name": "Uninsured/underinsured property damage",
"per_person_limit": 10000,
"per_accident_limit": 30000,
"deductible": 1000
},
"road_side_assistance": {
"coverage_display_name": "Roadside assistance",
"limit": 10000,
"per_accident_limit": 1000
},
"uninsured_bodily_injury": {
"coverage_display_name": "Uninsured motorist bodily injury",
"per_person_limit": 100000,
"per_accident_limit": 300000
},
"comprehensive": {
"coverage_display_name": "Comprehensive",
"deductible": 500
},
"underinsured_bodily_injury": {
"coverage_display_name": "Underinsured Motorist Bodily Injury",
"per_person_limit": 10000,
"per_accident_limit": 30000
},
"uninsured_property_damage": {
"coverage_display_name": "Uninsured Motorist Property Damage",
"limit": 10000,
"per_person_limit": 10000,
"per_accident_limit": 30000,
"deductible": 1000
},
"uninsured_underinsured_bodily_injury": {
"coverage_display_name": "Uninsured/Underinsured Motorist bodily injury",
"per_person_limit": 5000,
"per_accident_limit": 5000
},
"collision": {
"coverage_display_name": "Collision",
"deductible": 500
},
"medical_payments": {
"coverage_display_name": "Medical",
"limit": 1000,
"per_person_limit": 10000,
"deductible": 500
},
"rental_assistance": {
"coverage_display_name": "Rental assistance",
"limit": 50,
"per_person_limit": 10000,
"per_accident_limit": 1000,
"per_day_limit": 100,
"per_day_percentage": 80
},
"property_damage_liability": {
"coverage_display_name": "Bodily Injury & Property Damage Liability",
"per_accident_limit": 300000
},
"underinsured_property_damage": {
"coverage_display_name": "Underinsured motorist property damage",
"per_person_limit": 100000,
"per_accident_limit": 100000,
"deductible": 1000
},
"bodily_injury_liability": {
"coverage_display_name": "Bodily injury liability",
"per_person_limit": 100000,
"per_accident_limit": 300000
},
"other_coverage": [
{
"coverage_display_name": "Loan/Lease Payoff",
"coverage_detail": "premium 10"
},
{
"coverage_display_name": "Custom Parts and/or Equipment value",
"coverage_detail": "premium 20"
},
{
"coverage_display_name": "Personal Injury Protection",
"coverage_detail": "per person limit 10000"
},
{
"coverage_display_name": "Property Damage Coverage",
"coverage_detail": "per accident limit 100000"
},
{
"coverage_display_name": "Medical Payments",
"coverage_detail": "premium 9, per person limit 10000"
},
{
"coverage_display_name": "Guest Personal Injury Protection",
"coverage_detail": "premium 12"
},
{
"coverage_display_name": "Basic Personal Injury Protection",
"coverage_detail": "premium 13, deductible 1000, limit 10000"
}
]
},
"lien_holders": [
{
"company": "USA Secure Lien Services",
"address": {
"entity_number": "1447",
"street": "Winding",
"city": "Providence",
"state": "RI",
"zip": "22903",
"country": "USA",
"raw_address": "1447, Winding Way, Providence, RI 22903"
},
"loan_number": "LH123456789",
"financing_type": "Fixed-Rate Financing"
}
],
"vehicle_discount": {
"total_discount": null,
"monthly_total_discount": 10,
"discounts": [
{
"discount_type": "Anti-theft Device Discount",
"discount": null,
"monthly_discount": 3
},
{
"discount_type": "Smart Technology Discount",
"discount": null,
"monthly_discount": 7
}
]
}
}
],
"policy_coverage": {
"underinsured_bodily_injury": {
"coverage_display_name": "Underinsured Motorist",
"per_person_limit": 100000,
"per_accident_limit": 300000
},
"collision": {
"coverage_display_name": "Collision",
"deductible": 500
},
"bodily_injury_liability": {
"coverage_display_name": "Bodily injury liability",
"per_person_limit": 100000,
"per_accident_limit": 300000
},
"medical_payments": {
"coverage_display_name": "Medical",
"limit": 10000,
"per_person_limit": 10000,
"deductible": 500
},
"comprehensive": {
"coverage_display_name": "Comprehensive",
"deductible": 500
},
"uninsured_property_damage": {
"coverage_display_name": "Uninsured Motorist",
"limit": 10000,
"per_person_limit": 100000,
"per_accident_limit": 300000,
"deductible": 500
},
"property_damage_liability": {
"coverage_display_name": "Bodily Injury & Property Damage Liability",
"per_accident_limit": 300000
},
"uninsured_underinsured_bodily_injury": {
"coverage_display_name": "Uninsured/Underinsured Motorist bodily injury",
"per_person_limit": 5000,
"per_accident_limit": 5000
},
"road_side_assistance": {
"coverage_display_name": "Roadside assistance",
"limit": 10000,
"per_accident_limit": 1000
},
"rental_assistance": {
"coverage_display_name": "Rental assistance",
"limit": 50,
"per_person_limit": 10000,
"per_accident_limit": 1000,
"per_day_limit": 100,
"per_day_percentage": 80
},
"uninsured_bodily_injury": {
"coverage_display_name": "Uninsured motorist bodily injury",
"per_person_limit": 100000,
"per_accident_limit": 300000
},
"uninsured_underinsured_property_damage": {
"coverage_display_name": "Uninsured/underinsured property damage",
"per_person_limit": 10000,
"per_accident_limit": 30000,
"deductible": 1000
},
"underinsured_property_damage": {
"coverage_display_name": "Underinsured motorist property damage",
"per_person_limit": 100000,
"per_accident_limit": 100000,
"deductible": 1000
},
"other_coverage": [
{
"coverage_display_name": "Custom Parts and/or Equipment value",
"coverage_detail": "premium 20"
},
{
"coverage_display_name": "Guest Personal Injury Protection",
"coverage_detail": "premium 12"
},
{
"coverage_display_name": "Collision Coverage",
"coverage_detail": "premium 32, deductible 500"
},
{
"coverage_display_name": "Medical Payments",
"coverage_detail": "per person limit 10000"
},
{
"coverage_display_name": "Additional Personal Injury Protection",
"coverage_detail": "premium 12"
},
{
"coverage_display_name": "Loan/Lease Payoff",
"coverage_detail": "premium 10"
},
{
"coverage_display_name": "Underinsured Motorist Bodily Injury",
"coverage_detail": "per person limit 10000, per accident limit 30000"
},
{
"coverage_display_name": "Basic Personal Injury Protection",
"coverage_detail": "deductible 1000, limit 10000"
},
{
"coverage_display_name": "Property Damage Coverage",
"coverage_detail": "per accident limit 100000"
},
{
"coverage_display_name": "Uninsured Motorist Property Damage",
"coverage_detail": "per person limit 10000, per accident limit 30000, deductible 1000, limit 10000"
},
{
"coverage_display_name": "Personal Injury Protection",
"coverage_detail": "per person limit 10000"
}
]
}
},
"documents": {
"id_cards": [
{
"creation_date": null,
"name": "Id Card",
"document_url": "https://documents.getfize.com/demo/statefarm/auto/id-card.pdf"
}
],
"declaration_pages": [
{
"creation_date": null,
"name": "Declaration Page",
"document_url": "https://documents.getfize.com/demo/statefarm/auto/dec-page.pdf"
},
{
"creation_date": null,
"name": "Amendment Page",
"document_url": "https://documents.getfize.com/demo/statefarm/auto/dec-page.pdf"
}
],
"other_documents": [
{
"creation_date": "2023-08-14",
"name": "Policy Document",
"document_url": "https://documents.getfize.com/demo/statefarm/auto/dec-page.pdf"
},
{
"creation_date": "2023-08-14",
"name": "Policy Document",
"document_url": "https://documents.getfize.com/demo/statefarm/auto/id-card.pdf"
}
]
},
"policy_discount": {
"total_discount": null,
"monthly_total_discount": 12,
"discounts": [
{
"discount_type": "Continuous Insurance Discount - Gold",
"discount": null,
"monthly_discount": 1
},
{
"discount_type": "Paperless",
"discount": null,
"monthly_discount": 2
},
{
"discount_type": "Three Year Safe Driving",
"discount": null,
"monthly_discount": 1
},
{
"discount_type": "Paid in Full",
"discount": null,
"monthly_discount": 3
},
{
"discount_type": "Gold",
"discount": null,
"monthly_discount": 1
},
{
"discount_type": "Online Quote",
"discount": null,
"monthly_discount": 1
},
{
"discount_type": "Smart Technology",
"discount": null,
"monthly_discount": 3
}
]
},
"forms_endorsements": [
{
"name": "Mutual Policy Conditions",
"identifier": "AS3911TX 11 19",
"type": "FORM",
"endorsement_type": null,
"document_url": null
}
]
}
Sample Home JSON
{
"carrier": "statefarm",
"fz_policy_number": "po_2667b944e4514684",
"policy_type": "Home",
"policy_product_title": "Home Policy P1234",
"policy_number": "P1234",
"policy_start_date": "2023-06-27",
"policy_end_date": "2024-06-27",
"policy_status": "Active",
"policy_premium": 1362,
"policy_monthly_premium": 113.5,
"policy_term_months": 12,
"policy_holder": {
"first_name": "William",
"last_name": "Martinez",
"middle_name": "H.",
"full_name": "William H. Martinez",
"birth_date": "1987-10-21",
"age": 35,
"email": "william.h.marti[email protected]",
"address": {
"entity_number": "1447",
"street": "Winding",
"city": "Providence",
"state": "RI",
"zip": "22903",
"country": "USA",
"raw_address": "1447, Winding Way, Providence, RI 22903"
},
"phone": "9037442554"
},
"policy_detail": {
"property_info": {
"mortgagee": [
{
"company": "United Mortgage Associates",
"address": {
"entity_number": "1447",
"street": "Winding",
"city": "Providence",
"state": "RI",
"zip": "22903",
"country": "USA",
"raw_address": "1447, Winding Way, Providence, RI 22903"
},
"loan_number": "MORTG123456",
"financing_type": "Conventional Mortgage"
}
],
"property_address": {
"entity_number": "1447",
"street": "Winding",
"city": "Providence",
"state": "RI",
"zip": "22903",
"country": "USA",
"raw_address": "1447, Winding Way, Providence, RI 22903"
},
"loan_number": "MORTG123456",
"family_count": 1,
"year_built": 1958,
"stories_count": 1,
"bathrooms_count": 2,
"square_footage": 1346,
"basement_included": "Yes",
"garage_size": 3,
"garage_type": "Carport",
"construction": "Frame",
"siding": "Masonry Veneer",
"roof_type": "Asphalt-Fiberglass",
"roof_age_year": 9,
"foundation": "Slab",
"finished_basement_percentage": 100,
"employee_count": 5,
"apn": "PROV M:20 L:38",
"class": "AMUSEMENT_RECREATION",
"sub_type": "RESIDENTIAL",
"wall_type": "STONE_WOOD_FRAME",
"frame_type": "WOOD",
"roof_cover": "CONCRETE_TILE",
"roof_shape": "MANSARD",
"cooling_type": "AC_CENTRAL_PARTIAL",
"heating_type": "STEAM",
"heating_fuel": "ELECTRIC_HOT_WATER",
"energy_type": "FAIR",
"sewer_type": "PUBLIC_SEPTIC",
"building_shape": "RECTANGLE",
"construction_quality": "FAIR",
"has_fireplace": true,
"num_fireplaces": 1,
"fireplace_type": "HEATER_CIRCLE",
"has_pool": true,
"pool_type": "IN_GROUND_POOL",
"num_beds": 4,
"num_baths_full": 1,
"num_baths_partial": 0,
"num_units": 1,
"num_parking_spaces": 1,
"assessed_improvement_value": 27023800,
"assessed_land_value": 1836500,
"assessed_total_value": 28860300,
"market_improvement_value": 27024800,
"market_land_value": 1836500,
"market_total_value": 28861300,
"owner1_first_name": "William",
"owner1_last_name": "Martinez",
"owner2_first_name": "Karen",
"owner2_last_name": "Martinez",
"owner3_first_name": "Ben",
"owner3_last_name": "Martinez",
"owner4_first_name": "David Lee",
"owner4_last_name": "Hartstein Jr",
"purchase_date": "1956-02-02",
"purchase_price": 1736500,
"last_update_date": "2023-02-22"
},
"policy_coverage": {
"additional_living_expenses": {
"coverage_display_name": "Additional Living Expense",
"limit": 5000,
"term_months": 6
},
"medical": {
"coverage_display_name": "Medical",
"limit": 2000
},
"deductible": {
"all_perils": {
"coverage_display_name": "ALL PERILS",
"amount": 1000,
"limit": 1000,
"deductible": 500,
"percentage": 2
},
"coverage_display_name": "Deductibles",
"windstorm_hail": {
"coverage_display_name": "Windstorm/Hail",
"amount": 1000,
"percentage": 10,
"deductible": 500
}
},
"personal_property": {
"coverage_display_name": "Personal Property",
"percentage": 70,
"limit": 157500
},
"personal_liability": {
"coverage_display_name": "Personal Liability",
"limit": 30000
},
"loss_of_use": {
"coverage_display_name": "Loss Of Use",
"limit": 67500
},
"dwelling": {
"coverage_display_name": "Dwelling Structures",
"limit": 225000
},
"separate_structures": {
"coverage_display_name": "Separate Structures",
"percentage": 60,
"limit": 22500
},
"other_coverage": [
{
"coverage_display_name": "guaranteed replacement cost on buildings",
"coverage_detail": "Yes $1,400"
}
]
}
},
"documents": {
"declaration_pages": [
{
"creation_date": null,
"name": "Declaration Page",
"document_url": "https://documents.getfize.com/demo/statefarm/home/dec-page.pdf"
},
{
"creation_date": "2023-08-14",
"name": "Amendment Page",
"document_url": "https://documents.getfize.com/demo/statefarm/home/dec-page.pdf"
}
],
"other_documents": [
{
"creation_date": "2023-08-14",
"name": "Policy Document",
"document_url": "https://documents.getfize.com/demo/statefarm/home/dec-page.pdf"
}
]
},
"policy_discount": {
"total_discount": null,
"monthly_total_discount": 30,
"discounts": [
{
"discount_type": "Multi-Policy",
"discount": null,
"monthly_discount": 5
},
{
"discount_type": "Affinity",
"discount": null,
"monthly_discount": 10
},
{
"discount_type": "Fire Protective Device",
"discount": null,
"monthly_discount": 5
},
{
"discount_type": "Good Payer",
"discount": null,
"monthly_discount": 10
}
]
},
"forms_endorsements": [
{
"name": "AVPIC House & Home Policy",
"identifier": "AVP91",
"type": "FORM",
"endorsement_type": null,
"document_url": null
}
]
}