ACORD 80: Homeowners Application
ACORD 80 is the Homeowners Application. It gathers the applicant, property, requested coverage, and history for a homeowners submission. Use the edition and application format accepted by the target market.
What it is
ACORD 80 is the Homeowners Application. It gathers the applicant, property, requested coverage, and history for a homeowners submission. Use the edition and application format accepted by the target market.
Start from the client's dec pages, existing application or quote sheet, and confirmed property details. The work is to reconcile those sources, separate current insurance from requested changes, and identify the questions the documents cannot answer.
When it's used
- A carrier or wholesaler requests a homeowners application in this format.
- Your team wants a reviewed application from the documents the client already supplied.
- A remarketing task needs the property facts and requested changes organized together.
Section-by-section walkthrough
Agency and carrier information
Your agency's name and contact details, the carrier or market the submission targets, and the proposed effective and expiration dates.
Review check: Confirm market and requested dates.
Applicant information
The applicant and co-applicant: legal names, mailing address, dates of birth, occupations, and contact information.
Review check: Clarify applicants and ownership from current sources.
Property location
The address of the home being insured, if it differs from the mailing address.
Review check: Use the insured property, not a default mailing address.
Coverages and deductibles
The limits requested for the dwelling, other structures, personal property, loss of use, liability, and medical payments, plus the deductibles.
Review check: Verify requested limits, valuation basis, and deductibles.
Construction and rating information
Year built, construction type, square footage, roof type and age, protection class, distance to the fire station and hydrant, and updates to wiring, plumbing, heating, and roof.
Review check: Separate construction year, roof year, and documented system updates.
Protection devices
The protection devices and their monitoring arrangements, such as smoke detectors, alarms, sprinklers, and locks, as the form requests.
Review check: Confirm device type and monitoring from the client or supporting record.
Occupancy and use
Owner-occupied, secondary, or seasonal status, months occupied, and any business conducted on the premises.
Review check: Ask about current occupancy and use.
Prior coverage
The current and prior carriers, policy numbers, expiration dates, and premium.
Review check: Reconcile the current term and any prior coverage gaps.
Loss history
Prior losses for the years the form requests: date, type, and amount.
Review check: Use the requested period and preserve source differences.
General information questions
The yes/no underwriting questions: dogs, pools, trampolines, business use, prior cancellations, and similar.
Review check: Follow the instructions for each question and required explanation.
Additional interests
The mortgagee or other interested parties, with name, address, and loan number.
Review check: Verify the lender, designation, address, and loan reference.
Remarks and signatures
The explanations the form requests, relevant source context, and the required signatures and notices.
Review check: Collect required explanations and authorized signatures.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 80; 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
- Treating a roof replacement year as the home's year built.
- Using a loan balance or sale price without confirming the requested valuation basis.
- Turning an unanswered underwriting question into a no.
Common questions
Do we need an ACORD before starting a quote?
Follow the market's process. If it uses a portal, a separate ACORD may not be required. Relay can start from supplied dec pages or a quote sheet, so a completed ACORD is not a universal first step.
What happens when the source documents disagree?
Keep the conflict visible. For example, distinguish the policy's dwelling limit from a new replacement cost estimate, and ask the responsible person which requested value to use.
Can Relay prepare an ACORD 80?
The supported workflow opens a form draft, fills supported facts, and lets your team review and edit before PDF export. Confirm the available edition and finish the unanswered questions before using the result.
Related forms
Form references
- ACORD Forms Portal: current forms and authorized access
- ACORD-authored Forms Index, May 2024 (historical form names)
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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