ACORD 84: Dwelling Fire Application
ACORD 84 is the Dwelling Fire Application. It collects the property, occupancy, ownership, and requested insurance information for a dwelling submission.
What it is
ACORD 84 is the Dwelling Fire Application. It collects the property, occupancy, ownership, and requested insurance information for a dwelling submission.
Bring the current policy, property records, and the client's description of how the home is used. Owner occupancy, tenants, vacancy, renovations, and furnished rental use need accurate answers rather than assumptions from the prior policy.
When it's used
- A market requests a dwelling application in this format.
- A rental or other dwelling risk is being quoted or remarketed.
- Occupancy, ownership, or property use has changed.
Section-by-section walkthrough
Agency and carrier information
Your agency's details, the target carrier or market, and the proposed effective and expiration dates.
Review check: Confirm the market and proposed dates.
Applicant information
The proposed named insured, relevant ownership information, mailing address, and contact details.
Review check: Resolve ownership and named insured requirements.
Dwelling location and description
The address of the insured dwelling plus construction basics: year built, construction type, number of units, and protection class.
Review check: Use the actual dwelling location.
Occupancy
How the dwelling is occupied: owner, tenant, seasonal, or vacant, and by how many families.
Review check: Confirm current occupancy and plans.
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.
Review check: Separate requested building, property, rental value, and liability limits.
Optional coverages and endorsements
Selections beyond the base coverages, as the program offers them.
Review check: Record the client's requested options.
Prior coverage
Current and prior carriers, policy numbers, and expiration dates for the dwelling.
Review check: Explain relevant coverage gaps accurately.
Loss history
Prior losses at the dwelling for the years requested: date, type, and amounts.
Review check: Use the requested history and source amounts.
General information questions
The yes/no underwriting questions and other-insurance details, with explanations in remarks.
Review check: Keep unanswered questions visible.
Additional interests
The mortgagee or other interested parties, with name, address, and loan number.
Review check: Verify interest and loan details.
Signatures
The applicant's signature and date, plus the producer's, with any state fraud warnings.
Review check: Identify the authorized signer.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 84; 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
- Confusing the owner's mailing address with the dwelling location.
- Rolling forward an occupancy answer that has changed.
- Overlooking requested insurance for furnishings or rental income.
Common questions
How do we handle an LLC or trust owner?
Identify the legal owner and relevant parties, then confirm the named insured and signature requirements with the market. Do not substitute a personal name simply because it is easier to enter.
What if the property is vacant or under renovation?
Describe the actual condition, dates, and intended use. Ask the market which program and additional questions apply instead of relabeling the occupancy.
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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