ACORD Forms
ACORD 27: Evidence of Property Insurance
The ACORD 27 is an evidence of property insurance form. It is not a certificate. Where a certificate informs a third party, an evidence form documents coverage for a party with a financial interest in the property: a mortgagee, a loss payee, a lender servicing a loan.
What it is
The ACORD 27 is an evidence of property insurance form. It is not a certificate. Where a certificate informs a third party, an evidence form documents coverage for a party with a financial interest in the property: a mortgagee, a loss payee, a lender servicing a loan.
It was built for personal lines property, homeowners and dwelling policies, and in practice it also gets used for smaller commercial risks when the lender accepts it. Larger commercial property belongs on the ACORD 28, which carries the coverage detail commercial lenders expect.
When it's used
- Mortgage closings and refinances, where the lender needs proof of homeowners or dwelling coverage with their mortgagee interest shown.
- Loan servicing and escrow requests for updated evidence at each renewal.
- Smaller commercial property loans where the lender's checklist accepts the 27 instead of the 28.
Section-by-section walkthrough
Producer
Your agency's name, address, and contact information.
Company
The insurer providing the property coverage.
Insured
The named insured and mailing address as they read on the policy.
Watch for: Name variations between the loan documents and the policy. Fix the underlying record or flag it; do not paper over it on the form.
Property location and description
The insured property the evidence covers: address and a description of the dwelling or building.
Watch for: Evidence issued for the wrong address on accounts with multiple properties.
Coverage information
The coverage in force: the perils basis, limits, and deductibles for the property.
Watch for: A coverage amount below what the loan agreement requires, sent without comment. Expect a call. If the number is right for the risk, explain it in remarks.
Remarks
Anything the standard boxes miss: endorsements, conditions, or context for the interest holder.
Additional interest
The party the evidence is for and their designation: mortgagee, additional insured, or loss payee, along with their loan number.
Watch for: A missing or mistyped loan number. Lender tracking systems match documents by loan number, and a miss can flag the loan as uninsured while the borrower starts getting letters.
Authorized representative
Signature and date from a person authorized to issue the evidence.
In Relay
ACORD Generation is live in Relay. It drafts the ACORD 27 from the client record and the documents you already have, and a person reviews every field before anything goes out. See how →
Common errors
- Loan number missing or mistyped, so the lender's system never matches the evidence to the loan.
- Wrong interest type checked: the lender asked for mortgagee and got loss payee.
- Sending a 27 when the lender's checklist requires an ACORD 28 for commercial property.
- Evidence reissued at renewal with last term's policy dates.
- Dwelling coverage below the loan requirement with no explanation in remarks.
Common questions
What is the difference between an ACORD 27 and a certificate of insurance?
A certificate, like the ACORD 24 or 25, informs a third party that coverage exists. An evidence form documents coverage for someone with a financial stake in the property, names their interest, and includes their loan number. Lenders need evidence, not certificates.
When do I use the ACORD 27 versus the ACORD 28?
The 27 fits personal lines property and smaller commercial risks. The 28 is built for commercial property and carries the detail commercial lenders expect: causes of loss form, valuation basis, business income. If the lender is commercial, ask which form their checklist names before you send anything.
Can Relay draft evidence of insurance forms?
Yes. ACORD Generation is live in Relay. It drafts ACORD forms from the client record and documents you already have, and a person reviews every form before it goes out.
Related forms
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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