ACORD Forms
ACORD 84: Dwelling Fire Application
The ACORD 84 is the dwelling fire application, the form for residential properties that do not fit a standard homeowners policy: rentals, seasonal and secondary homes, vacant dwellings, and homes titled to an LLC, trust, or estate. It captures the applicant, the dwelling, the coverage requested, and the history behind both.
What it is
The ACORD 84 is the dwelling fire application, the form for residential properties that do not fit a standard homeowners policy: rentals, seasonal and secondary homes, vacant dwellings, and homes titled to an LLC, trust, or estate. It captures the applicant, the dwelling, the coverage requested, and the history behind both.
Dwelling fire policies insure the structure first, with coverages like personal property, fair rental value, and premises liability added by selection. That is why the 84 asks harder questions about occupancy than a homeowners application does. Who lives in the dwelling, and under what arrangement, decides which markets will even look at it.
When it's used
- Non-owner-occupied dwellings: rental properties, tenant-occupied homes, landlord policies.
- Seasonal, secondary, or vacant homes that a standard homeowners market will not write.
- Dwellings held by an LLC, trust, or estate, where the named insured is not the occupant.
- Remarketing a landlord policy. One completed 84 travels to every market you shop.
Section-by-section walkthrough
Agency and carrier information
Your agency's details, the target carrier or market, and the proposed effective and expiration dates.
Watch for: No effective date, especially on a closing-driven purchase where the date is the whole point.
Applicant information
The named insured, which for dwelling fire is often an LLC, trust, or estate rather than a person, plus mailing address and contact details.
Watch for: Insuring in the owner's personal name when the deed is in the LLC. The named insured must match how the property is held, or the claim gets contested.
Dwelling location and description
The address of the insured dwelling plus construction basics: year built, construction type, number of units, and protection class.
Watch for: Using the applicant's mailing address as the insured location. On a landlord policy they almost always differ, and rating follows the property.
Occupancy
How the dwelling is occupied: owner, tenant, seasonal, or vacant, and by how many families.
Watch for: Calling a vacant dwelling seasonal. Vacancy is its own market with its own pricing, and misstating it is the fastest way to a denied claim.
Coverages and limits
The limits requested for the dwelling, other structures, personal property, and fair rental value, plus deductibles and any premises liability the applicant wants.
Watch for: Skipping personal property on a furnished rental. The landlord's appliances and furnishings are not covered unless a limit is requested.
Optional coverages and endorsements
Selections beyond the base coverages, as the program offers them.
Prior coverage
Current and prior carriers, policy numbers, and expiration dates for the dwelling.
Watch for: Unexplained lapses or vacancy periods in the coverage history. Underwriters read a gap as a story; tell it in remarks first.
Loss history
Prior losses at the dwelling for the years requested: date, type, and amounts.
Watch for: Loss history that does not match the loss reports the carrier orders. Discrepancies read as concealment even when they are just sloppy.
General information questions
The yes/no underwriting questions and other-insurance details, with explanations in remarks.
Watch for: A yes with no remark attached. Every yes needs an explanation or the file bounces back.
Additional interests
The mortgagee or other interested parties, with name, address, and loan number.
Watch for: Missing loan number. The servicer cannot match the policy to the loan without it, and force-placed insurance letters follow.
Signatures
The applicant's signature and date, plus the producer's, with any state fraud warnings.
Watch for: Unsigned applications on LLC-owned property, where nobody is sure who signs. The answer is a person authorized to act for the entity.
In Relay
ACORD Generation is live in Relay. It drafts the ACORD 84 from the client record and the documents you already have, and a person reviews every field before anything goes out. See how →
Common errors
- Named insured does not match the deed: personal name on an LLC-owned property or the reverse.
- Occupancy misstated: a vacant dwelling submitted as seasonal or tenant-occupied.
- Insured location and mailing address swapped or duplicated.
- Coverage gaps or vacancy periods with no explanation in remarks.
- No personal property limit on a furnished rental.
Common questions
When do I use ACORD 84 instead of ACORD 80?
Use the 80 for owner-occupied homeowners, condo, and renters risks. Use the 84 when the risk is a dwelling fire policy: rentals, seasonal or secondary homes, vacant properties, and dwellings held by an entity rather than the occupant.
Does the ACORD 84 include liability coverage?
Dwelling fire is property-first. The application has room to request premises liability, but whether it is offered depends on the market. Many landlords carry liability separately or under an umbrella, which is worth confirming before you submit.
Can Relay fill out an ACORD 84?
Yes. ACORD Generation is live in Relay: it drafts ACORD forms from the client record and documents you already have, and a person reviews everything before it goes out.
Related forms
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
Get started
Get on the Summer ’26 list.
Spring ’26 is full. Get on the Summer ’26 list and we will be in touch as spots open.