Policy

Policy Schema

Policy Type

object (Policy)

Policy Properties

FieldTypeNullableDescriptionPropertiesExample
carrierString (Enum)Carrier codeenum:
travelers,
geico
statefarm

Reference:
Carriers Code
statefarm
fz_policy_numberString (UUID)Internal ID of the
policy
po_6b0906e398ff473a
policy_typeString (Enum)YesPolicy typeenum:
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_titleStringYesPolicy Product TitleAuto 7224J016371
policy_numberStringYesCarrier Policy number7224J016371
policy_holderObjectPolicy holder
policy_start_dateStringYesPolicy start date2021-01-01
policy_end_dateStringYesPolicy end date2024-02-21
policy_statusString (Enum)YesPolicy statusenum:
Active, Inactive, Cancelled, Renewal, Unknown,
null

Reference:
Policy Status Enums
Active
policy_premiumNumberYesPolicy Total Premium580.8
policy_monthly_premiumNumberYesPolicy Monthly Premium96.8
policy_term_monthsNumberYesPolicy Term Months6
policy_detail ObjectAuto or Home policy detailsReference:
(Auto Policy Detail or
Home Policy Detail
documentsObjectPolicy documentsReference:
documents
policy_discountObjectPolicy discountsReference:
policy_discount
forms_endorsementsArrayList of Forms and EndorsementsReference:
forms_endorsements
billing_historyObjectPolicy billing historyOptional

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
        }
    ]
}