Homeowners book schema

Generated from the homeowners book schema. ho.SCHEMA.to_pandas() returns the core columns as a DataFrame.

`policies`

Key: policy_id. Optional table. Each column is yours.

`submissions`

Key: submission_id. Required table.

Column	Type	Unit	Values	Required	Meaning
`policy_id`	id			Yes	The policy the submission prices.
`effective_date`	date			Yes	The date the rated term starts.
`term_months`	int	months			The length of the rated term.
`form`	enum		`ho2`, `ho3`, `ho5`, `ho4`, `ho6`, `ho8`, `dp1`, `dp3`		The policy form.

`insureds`

Key: submission_id, insured_id. Optional table.

Column	Type	Unit	Values	Required	Meaning
`relationship`	enum		`applicant`, `spouse`, `other`		The insured’s relationship to the applicant.
`birth_date`	date				The insured’s date of birth.

`dwellings`

Key: submission_id, dwelling_id. Required table.

Column	Type	Unit	Values	Meaning
`postal_code`	text			The postal code of the premises.
`latitude`	number	degrees		The latitude of the premises.
`longitude`	number	degrees		The longitude of the premises.
`residence_type`	enum		`single_family`, `townhouse`, `rowhouse`, `duplex`, `triplex`, `fourplex`, `condominium`, `cooperative`, `apartment`, `mobile_home`	The kind of building the residence is in.
`occupant`	enum		`owner`, `tenant`, `vacant`	Who lives in the residence.
`residence_use`	enum		`primary`, `secondary`, `seasonal`	How often the occupant lives there.
`weeks_rented`	int	weeks		Weeks a year the residence is rented to others for short stays.
`months_unoccupied`	int	months		Months a year the residence stands unoccupied.
`units`	int			The dwelling units in the building.
`residents`	int			The people who live in the residence.
`construction`	enum		`frame`, `masonry_veneer`, `masonry`, `fire_resistive`, `superior`, `mixed`	The construction of the exterior walls.
`year_built`	int			The year the building was built.
`living_area`	number	sq ft		The finished living area.
`stories`	int			The stories above ground.
`bathrooms`	number			The bathrooms, a half bath counting 0.5.
`foundation`	enum		`basement`, `crawl_space`, `slab`, `pier`, `other`	The building’s foundation.
`roof_material`	enum		`composition_shingle`, `wood_shingle`, `tile`, `slate`, `metal`, `flat_buildup`, `rubber_membrane`, `other`	The roof’s covering.
`roof_shape`	enum		`gable`, `hip`, `flat`, `mansard`, `gambrel`, `shed`, `other`	The roof’s shape.
`roof_year`	int			The year the roof covering was installed.
`protection_class`	text			The ISO public protection class of the premises, such as 3 or 8B.
`fire_station_distance`	number	miles		Road distance to the responding fire station.
`hydrant_distance`	number	feet		Distance to the nearest fire hydrant.
`replacement_cost`	number	USD		The estimated cost to rebuild the dwelling.
`purchase_date`	date			The date the insured bought the residence.
`mortgages`	int			The mortgages on the residence.

`features`

Key: submission_id, dwelling_id, feature_id. Optional table. feature_id is one of these values:

smoke_detector
fire_alarm_local
fire_alarm_central
burglar_alarm_local
burglar_alarm_central
sprinkler_full
sprinkler_partial
water_leak_detector
water_shutoff
deadbolt
fire_extinguisher
gated_community
class_a_roof
enclosed_eaves
ember_resistant_vents
noncombustible_base
ember_resistant_zone
defensible_space
multipane_windows
firewise_community
fire_risk_reduction_community
ibhs_wildfire_prepared
opening_protection
impact_resistant_roof
fortified_roof
fortified_home
swimming_pool
trampoline
dog
livestock
solid_fuel_heater

Each column is yours.

`coverages`

Key: submission_id, dwelling_id, coverage_id. Optional table. coverage_id is one of these values:

dwelling
other_structures
personal_property
loss_of_use
personal_liability
medical_payments
extended_replacement_cost
personal_property_replacement_cost
ordinance_or_law
water_backup
service_line
equipment_breakdown
loss_assessment
building_additions_alterations
trees_shrubs
matching
fungi
earthquake
credit_card_forgery
identity_fraud
home_cyber
green_home
personal_injury
animal_liability
home_business
home_day_care
home_sharing
residence_employees
additional_residence
watercraft
golf_cart
incidental_farming

Column	Type	Unit	Meaning
`limit`	number	USD	The limit.
`limit_percent`	number	%	A limit filed as a percent of the dwelling limit, such as 25 for extended replacement cost of 125%.
`deductible`	number	USD	The coverage’s own deductible.

`deductibles`

Key: submission_id, dwelling_id, peril. Optional table. peril is one of all_other_perils, wind_hail, hurricane, named_storm, earthquake, water, theft.

Column	Type	Unit	Values	Required	Meaning
`amount`	number	USD			A deductible stated as an amount.
`percent`	number	%			A deductible stated as a percent of the dwelling limit.

`special_limits`

Key: submission_id, property_class. Optional table. property_class is one of jewelry, watches, furs, fine_arts, silverware, cameras, musical_instruments, stamps, coins, firearms, golf_equipment, sports_equipment, computers, collectibles, money, securities, other.

Column	Type	Unit	Values	Required	Meaning
`limit`	number	USD			The limit for the class.

`scheduled_items`

Key: submission_id, item_id. Optional table.

Column	Type	Unit	Values	Meaning
`property_class`	enum		`jewelry`, `watches`, `furs`, `fine_arts`, `silverware`, `cameras`, `musical_instruments`, `stamps`, `coins`, `firearms`, `golf_equipment`, `sports_equipment`, `computers`, `collectibles`, `money`, `securities`, `other`	The class of the scheduled item.
`value`	number	USD		The item’s scheduled value.
`appraisal_date`	date			The date the item was last appraised.
`vaulted`	bool			Whether the item is kept in a bank vault.

`losses`

Key: submission_id, loss_id. Optional table.

Column	Type	Unit	Values	Meaning
`insured_id`	id			The insured the loss is charged to, if any.
`dwelling_id`	id			The dwelling the loss occurred at, if it is this one.
`loss_date`	date			The date the loss occurred.
`peril`	enum		`fire`, `lightning`, `wind`, `hail`, `water_weather`, `water_non_weather`, `theft`, `vandalism`, `liability`, `mold`, `earthquake`, `other`	The cause of the loss.
`amount_paid`	number	USD		The amount paid on the claim.
`catastrophe`	bool			Whether the loss is part of a declared catastrophe.

`other_policies`

Key: submission_id, other_policy_id. Optional table.

Column	Type	Values	Meaning
`line`	enum	`auto`, `home`, `condo`, `renters`, `dwelling`, `umbrella`, `life`, `motorcycle`, `watercraft`, `other`	The policy’s line of business.
`carrier`	text		The insurer that writes the policy.
`start_date`	date		The date the policy first took effect.
`end_date`	date		The date the policy ended, if it has.
`vehicle_count`	int		The vehicles the policy insures.

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Homeowners book schema

`policies`

`submissions`

`insureds`

`dwellings`

`features`

`coverages`

`deductibles`

`special_limits`

`scheduled_items`

`losses`

`other_policies`

​policies

​submissions

​insureds

​dwellings

​features

​coverages

​deductibles

​special_limits

​scheduled_items

​losses

​other_policies

`policies`

`submissions`

`insureds`

`dwellings`

`features`

`coverages`

`deductibles`

`special_limits`

`scheduled_items`

`losses`

`other_policies`