Get a homeowners indicative quote

post

https://api.producers.annexrisk.com/staging/v1/homeowners/policy/indicative

Submit property, construction, and coverage information to receive a
non-binding indicative homeowners quote. You can provide either a
minimum set of fields or a more expansive set for a more accurate quote.

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Body Params

HO-3 (Special Form) indicative quote request. Roof information is required for HO-3 policies.

effective_date

string

required

Policy start date in MM/dd/YYYY format.

risk_address

object

required

insured

object

required

policy_type

const

enum

required

Homeowners policy form. Currently only HO-3 and HO-6 are offered.

Allowed:

square_footage

integer

required

≥ 1000

stories

string

required

number_of_units

string

required

protection_class

string

enum

required

ISO Public Protection Classification. For split classes pass "0". Annex will determine the final protection class upon bind. PPC 9, 10, and 10W will result in a decline.

year_built

integer

required

construction_material

string

enum

required

cladding_material

string

enum

required

Cladding used on frame construction or additional cladding present on the home. A solid brick home likely has no additional cladding; a wood frame home with aluminum siding would be AluminumSiding.

heating

object

required

Describes a building system (heating, plumbing, or wiring) and the year it was last updated or replaced.

plumbing

object

required

Describes a building system (heating, plumbing, or wiring) and the year it was last updated or replaced.

wiring

object

required

Describes a building system (heating, plumbing, or wiring) and the year it was last updated or replaced.

coverage

object

required

Coverage A is required. If values for the other coverages are not
supplied Annex will quote the risk with $0 limits for that coverage.

Included extra coverages and their defaults:

Personal injury: matches Coverage E (0 if E not supplied)
Mold: $10,000
Water backup: $0
Water damage: $0
Ordinance & law: 10% of Coverage A
Coverage C settlement: RCV
Extended replacement cost: 100% of Coverage A

burglar_alarm

string

enum

Alarm status. Defaults to Unknown if not passed.

Allowed:

fire_alarm

string

enum

Alarm status. Defaults to Unknown if not passed.

Allowed:

occupancy_type

string

enum

required

Occupancy types permitted for HO-3 policies. Condo occupancy is not allowed — submitting Condo triggers automatic normalization to HO-6.

Allowed:

residence_use

string

enum

required

How the property is used.

Allowed:

roof

object

required

Response

200Indicative quote returned successfully.