Overview

The Home Line of Business in RiskAdvisor helps you capture the right risk profile for different types of homes. Instead of a one-size-fits-all form, RiskAdvisor tailors questions, property data, exposures, and coverages based on the property type:

• Standard Home (default)

• Condo

• Mobile/Manufactured Home

• Renters

• Landlord / Full-Time Rental Property

This ensures the quote request form stays relevant, faster to complete, and aligned with carrier expectations.

Standard Home (Default)

When you start a Home Risk Profile, the default is Home (Single-Family Residence).

You’ll see:

• Discovery questions like Primary Usage and Do you ever rent this home to others?

• Standard exposures: pool, trampoline, pets, etc.

• Coverage details: HO3 form (default), with dwelling, Coverage B, C, and D applied automatically.

Condo

When you switch the property type to Condo:

• Address + optional Apartment/Suite number required.

• Pull Property Data button enabled (improves accuracy for condos).

• Exposures: pool/trampoline questions removed.

• Property Details: “Which floor is the condo located on?” added.

• Residence type & construction style: pre-set to Condo.

• Coverage Details:

  • Policy form defaults to HO6.

  • Coverages B, C, D = manual entry only (not % of dwelling).

  • Additional coverages scoped down to those relevant for condos.

Mobile / Manufactured Home

When you select Mobile Home:

• Property Data Lookup disabled (data is unreliable for manufactured homes).

• Discovery: adds “Location Type” (Park, Subdivision, Private Property).

  • If Park: follow-ups for “Do you own the land?” and “How many lots?”

• Property Details: Mobile Home Type, Make/Model, Length, Serial #, Tied down?, Skirted?

• Coverage Details: Policy form defaults to Manufactured Home.

Renters

When you select Renters:

• Discovery: only asks for address + Apartment/Suite (if applicable).

• Exposures: pool and trampoline remain (since they may apply to a home being rented).

• Property Details: scoped down to only what carriers require for HO4.

• Coverage Details:

  • Policy form defaults to HO4.

  • No dwelling coverage.

  • Manual entry for B, C, D.

  • Additional coverages limited to renter-eligible ones.

Landlord / Full-Time Rental Property

When you select Use = Full-Time Rental Property:

• Discovery adds:

  • Shortest rental period (annual, monthly, weekly, nightly).

  • Who manages the property (Self vs. Property Manager).

  • Option to add a different mailing address for the insured.

• Coverage details remain aligned to landlord-type exposures.

Personal Articles Floater

Across all Home types, you’ll see an option for Personal Articles Floater.

• If selected, a repeating section appears.

• You can enter:

  • Type of coverage (e.g., jewelry, art).

  • Blanket vs. per-item coverage.

  • Appraisal on file?

  • Item in vault?

• Add multiple scheduled items as needed.

FAQs