ACORD 24: Certificate of Property Insurance

ACORD 24 is the Certificate of Property Insurance. It summarizes the property coverage shown on the insured's policies for a requesting third party. Start with the current declarations, relevant endorsements, and the requester's exact instructions.

What it is

Choose the document for the request. ACORD 27 and ACORD 28 have different layouts for evidence of property insurance. Confirm the requested form and interest designation, and describe only coverage supported by the policy.

When it's used

A customer, landlord, or business partner requests a property insurance certificate.
Your team needs to document the relevant location, policy period, and property coverage for a specific request.
An existing certificate needs review against a renewed or endorsed policy.

Section-by-section walkthrough

Producer

Your agency's name, address, and a contact the certificate holder can reach with questions.

Review check: Use a current service contact.

Insured

The named insured and mailing address, matching the policy declarations exactly.

Review check: Match the named insured to the policy and clarify any name discrepancy.

Insurers affording coverage

The carriers on the account, each assigned a letter that ties to the coverage rows below.

Review check: Recheck the insurer letter for each coverage row.

Location of premises / description of property

Which location and what property the certificate speaks to: building, business personal property, or specific scheduled items.

Review check: Match the location and property description to the source schedule.

Coverage information

The property coverages in force, with policy numbers, dates, limits, deductibles, and coinsurance where it applies.

Review check: Read current limits, deductibles, and policy dates.

Special conditions / remarks

Context the standard boxes do not capture, like scheduled item details or applicable endorsements.

Review check: Check each remark against the policy or endorsement.

Certificate holder

The third party that requested the certificate, with their mailing address.

Review check: Copy the exact holder entity and address.

Cancellation

The form's standard notice language. Notice rights live in the policy, not on the certificate.

Review check: Keep the form wording and confirm any requested notice provision.

Authorized representative

Signature of a person authorized to issue the certificate.

Review check: Route the draft to an authorized issuer.

In Relay

Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 24; it is not a promise that this form or edition is available in your workspace. Check the supported form, then review the fields and missing answers before use. See how →

Common errors

Copying the previous term's limits without checking endorsements.
Using the mailing address when the request concerns a different property.
Confusing the holder's request with coverage actually provided.

Common questions

Should we use ACORD 24, 27, or 28?

Read the request first. The 24 is a property certificate; the 27 and 28 are evidence forms with different property and interest details. Ask the requester to clarify the required form when the instructions are unclear.

What if the request includes a lender?

Confirm the lender's exact name, address, loan reference, required interest, and requested form. Check that the policy supports the interest you report. A completed document does not add that interest to the policy.

Form references

Confirm the form edition and requirements with the market receiving the submission.

Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.

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