Search verified auto insurance policies, auto ID cards, and home insurance policies from major insurance providers without the need for login credentials using Canopy Connect's Policy Search API.

Search Types

The Policy Search API supports three credential-less search types.

Search Type	Description
Auto ID Card Search	Search for an Auto ID Card
Auto Insurance Policy Search	Search for an Auto insurance policy
Home Insurance Policy Search	Search for a Home insurance policy

Data flow

Initiate a policy search by sending a request to the Policy Search API
Use webhooks to receive realtime notifications when the searches complete. You can access the result from the Dashboard or API:
1. View submissions on the Dashboard
2. Fetch the structured data and documents via the GET /pulls/:pullId endpoint

Endpoint

POST https://app.usecanopy.com/api/v1.0.0/teams/{teamId}/policySearch

{teamId} is your Canopy Connect Team ID. You can access your Team ID from the API Settings page.

Authentication & headers

Header	Value
`x-canopy-client-id`	Your API client ID
`x-canopy-client-secret`	Your API client secret
`Content-Type`	`application/json`
`Accept`	`application/json`

If you are acting on behalf of another team via an App, send an Authorization: Bearer <access_token> header instead of the x-canopy-client-* headers — do not send both.

Request body

The request body is JSON with these top-level fields:

Field	Type	Required	Description
`public_alias`	string	✅	The public alias of the widget the search runs under.
`insurerName`	string	✅	The carrier identifier. Auto ID card is supported for `allstate`, `farmers`, and `nationwide`.
`searchType`	string (enum)	✅	`"AUTO_ID_CARD"` for auto ID card search `"AUTO_POLICY"` for auto insurance policy search `"HOME_POLICY"` for home insurance policy search
`searchData`	object	✅	The carrier-specific input fields, keyed exactly as shown in the table below. All values are strings.
`meta_data`	object	➖	Optional. Arbitrary key/value pairs echoed back on the pull for your own tracking.
`device_identifier`	string	⚠️	Unique ID representing the device/End User that provided consent. Required when policyholder consent is required. See Consent fields.
`terms_version`	number	⚠️	Version of Canopy Connect TOS that the End User provided consent for. Required when policyholder consent is required. See Consent fields.
`consent_language`	string	⚠️	Text shown to End User on the button that the End User clicks to affirmatively provide their consent. Required when policyholder consent is required. See Consent fields.

Auto ID Card Search

Auto ID Card Search returns verified Auto ID Card info without the need for login credentials.

Carrier-specific Search Input and Output

	Allstate	Farmers	Nationwide
Inputs
Policy Number		Option A	Option A
Zip		Required	Required
First Name	Required	Option B
Last Name	Required	Option B
Date of Birth		Option B	Required
Email address	Required
Mobile number	Required	Required	Option B
Mobile OTP (one-time password)	Required	Required	Option B
Outputs
Auto ID Card PDF	✅	✅	✅
Insurance company name	✅	✅	✅
Insurance company address	✅	✅	✅
Policy Status	✅	✅	✅
Policy Effective Date	✅	✅	✅
Policy Expiry Date	✅	✅	✅
Policy Number	✅	✅	✅
Vehicle Details	✅	✅	✅
Named Insured	✅	✅	✅
Named Insured Address	Partial (State)	✅	Partial (State)
Agent full name	✅		✅
Agent phone	✅	✅	✅
Agent address	✅	✅

Inputs, keys, and per-carrier requirements

This table is the reference for the searchData object: the keys and values to supply, and the options by insurance provider. Keys are camelCase and case-sensitive, and all values are strings.

Input	`searchData` key	Format	Allstate	Farmers	Nationwide
Zip	`zipCode`	"98712"	–	Required	Required
Email address	`emailAddress`	"[email protected]"	Required	–	–
Mobile number	`mobileNumber`	Digits only, eg. "5555550100"	Required	–	–
Date of birth	`dateOfBirth`	"MM/DD/YYYY"	–	Option B	Required
Identification method	`policyNumberOrInfo` (farmers) `policyOrPhoneNumber` (nationwide)	Pick your search option by supplying this value	–	Required	Required
Policy number	`policyNumber`	Alphanumeric	–	Option A	Option A
First name	`firstName`		Required	Option B	–
Last name	`lastName`		Required	Option B	–
Phone number	`phoneNumber`	Digits only, eg. "5555550100"	–	–	Option B

Search options

For some insurance providers, there are multiple search options. When you choose Option A, supply all of Option A's fields. When you choose Option B, supply all of Option B's fields. Set the Identification method to choose your search option.

Insurance provider	Identification method	Search options
Farmers	`policyNumberOrInfo`	Option A = `"policyNumber"` Supply `policyNumber` in `searchData` Option B = `"info"` Supply `firstName`, `lastName`, `dateOfBirth` in `searchData`
Nationwide	`policyOrPhoneNumber`	Option A = `"policyNumber"` Supply `policyNumber` in `searchData` Option B = `"phoneNumber"` Supply `phoneNumber` in `searchData`

Send exactly the fields required for the search. No missing required fields, no extra fields.

Consent fields

Allstate, Progressive, Farmers and Nationwide Auto ID Card searches require the policyholder's consent, so their requests must include device_identifier, terms_version, and consent_language at the top level of the body.

Example: Farmers Auto ID Card Search (via personal info)

curl -X POST https://app.usecanopy.com/api/v1.0.0/teams/{teamId}/policySearch \
  -H 'x-canopy-client-id: YOUR_CLIENT_ID' \
  -H 'x-canopy-client-secret: YOUR_CLIENT_SECRET' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "public_alias": "your-widget-alias",
    "insurerName": "farmers",
    "searchType": "AUTO_ID_CARD",
    "searchData": {
      "zipCode": "12345",
      "policyNumberOrInfo": "info",
      "firstName": "John",
      "lastName": "Doe",
      "dateOfBirth": "01/25/1990"
    },
    "device_identifier": "your-device-identifier",
    "terms_version": 1,
    "consent_language": "By selecting “Continue” you agree to the Canopy Connect Terms & Privacy Policy"
  }'

Example: Farmers Auto ID Card Search (via policy number)

{
  "public_alias": "your-widget-alias",
  "insurerName": "farmers",
  "searchType": "AUTO_ID_CARD",
  "searchData": {
    "zipCode": "12345",
    "policyNumberOrInfo": "policyNumber",
    "policyNumber": "000000000"
  },
  "device_identifier": "your-device-identifier",
  "terms_version": 1,
  "consent_language": "By selecting “Continue” you agree to the Canopy Connect Terms & Privacy Policy"
}

Example: Allstate Auto ID Card Search

{
  "public_alias": "your-widget-alias",
  "insurerName": "allstate",
  "searchType": "AUTO_ID_CARD",
  "searchData": {
    "firstName": "John",
    "lastName": "Doe",
    "emailAddress": "[email protected]",
    "mobileNumber": "5555550100"
  },
  "device_identifier": "your-device-identifier",
  "terms_version": 1,
  "consent_language": "By selecting “Continue” you agree to the Canopy Connect Terms & Privacy Policy"
}

Example: Nationwide Auto ID Card Search (via phone number)

{
  "public_alias": "your-widget-alias",
  "insurerName": "nationwide",
  "searchType": "AUTO_ID_CARD",
  "searchData": {
    "zipCode": "12345",
    "dateOfBirth": "01/25/1990",
    "policyOrPhoneNumber": "phoneNumber",
    "phoneNumber": "5555550100"
  },
  "device_identifier": "your-device-identifier",
  "terms_version": 1,
  "consent_language": "By selecting “Continue” you agree to the Canopy Connect Terms & Privacy Policy"
}

Immediate response

A successful request returns 200 with the new Pull's ID and JWT you can use to track it:

{
  "pull_id": "00000000-0000-0000-0000-000000000000",
  "pull_jwt": "eyJhbGciOi..."
}

Error responses

Status	Meaning
`400`	Invalid input. Invalid `searchType`/`insurerName`, unknown `public_alias`, or `searchData` is missing a required field or contains an extra field.
`401`	Missing or invalid API credentials.
`403`	API key inactive, IP not whitelisted, or your account lacks access to Policy Search.
`500`	Unexpected server error while starting the search.

Note on multi-factor authentication (OTP)

Allstate and Farmers send a one-time passcode (OTP) to the policyholder as part of the insurance provider verification. This OTP is not part of the initial searchData — it is handled after the search is initiated.

Example Auto ID Card Search Result

Use webhooks to receive realtime notifications when verification complete. Fetch the Auto ID Card data via the GET /pulls/:pullId endpoint

{
  "success": true,
  "pull": {
    "answers": [],
    "first_name": "Clark",
    "middle_name": "J",
    "last_name": "Kent",
    "work_phone": null,
    "work_phone_extension": null,
    "mobile_phone": "8885550000",
    "home_phone": null,
    "gender": null,
    "marital_status": null,
    "education": null,
    "occupation": null,
    "email": "[email protected]",
    "account_email": "[email protected]",
    "phone": null,
    "pull_id": "b8ae87fc-9dec-4e85-8eb0-74f9d7b004ac",
    "status": "SUCCESS",
    "insurance_provider_name": "allstate",
    "team_id": "e0e8deb1-6806-4c71-8a69-93c07bd698e5",
    "widget_id": "9e1a5a8a-7d96-47c8-bb55-df6be2a4f924",
    "is_archived": false,
    "created_at": "2025-07-06T00:07:17.813Z",
    "no_policies": false,
    "no_documents": false,
    "no_claims": false,
    "no_loss_events": false,
    "policies_selection_enabled": false,
    "type": "POLICY_LOOKUP",
    "skipped_product_types": null,
    "insurance_type_selection": null,
    "meta_data": null,
    "insurance_provider_friendly_name": "Allstate",
    "no_drivers": false,
    "account_identifier": null,
    "public_alias": "demo",
    "deleted_at": null,
    "public_url": "https://app.usecanopy.com/c/demo",
    "encountered_mfa": true,
    "funnel": null,
    "policies": [
      {
        "policy_id": "6c35d0f0-0e72-4138-bc16-8272b1c0e3e5",
        "name": "AUTO # 123456789",
        "description": "Effective 02/16/2025 - 08/16/2025",
        "carrier_policy_number": "123456789",
        "policy_type": "AUTO",
        "effective_date": "2025-03-16T07:00:00.000Z",
        "expiry_date": "2025-09-16T07:00:00.000Z",
        "renewal_date": "2025-09-16T07:00:00.000Z",
        "canceled_date": null,
        "total_premium_cents": null,
        "carrier_name": "allstate",
        "status": "ACTIVE",
        "limited_access": false,
        "form_of_business": null,
        "deductible_cents": null,
        "paid_in_full": null,
        "amount_due_cents": null,
        "amount_paid_cents": null,
        "is_selected": false,
        "total_estimated_annual_premium_cents": null,
        "total_minimum_premium_cents": null,
        "total_deposit_premium_cents": null,
        "carrier_friendly_name": "Allstate",
        "is_monoline": true,
        "dwellings": [],
        "locations": [],
        "vehicles": [
          {
            "vehicle_id": "25ff9b6c-75c6-4369-b6b6-a1140294cf23",
            "year": 2021,
            "make": "KIA",
            "model": "Telluride",
            "series": "EX",
            "series2": "Wagon body style",
            "type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)",
            "annual_mileage": null,
            "vin": "1ABC2DEF3GH456789",
            "hin": null,
            "serial_number": null,
            "uses": null,
            "purchase_date": null,
            "ownership_type": null,
            "features": null,
            "is_removed": false,
            "data_source": "CARRIER",
            "lien_holder": null,
            "garaging_address": null,
            "lien_holder_address": null,
            "coverages": [],
            "drivers": [
              {
                "first_name": "Lois",
                "middle_name": "",
                "last_name": "Lane",
                "drivers_license": null,
                "date_of_birth_str": null,
                "gender": null,
                "marital_status": null,
                "age": null,
                "age_on_date": null,
                "education": null,
                "occupation": null,
                "age_licensed": null,
                "data_source": "CARRIER",
                "driver_id": "90d0fda0-9ea5-4a58-9dee-a46a3099823b",
                "is_excluded": false
              },
              {
                "first_name": "Clark",
                "middle_name": "J",
                "last_name": "Kent",
                "drivers_license": null,
                "date_of_birth_str": null,
                "gender": null,
                "marital_status": null,
                "age": null,
                "age_on_date": null,
                "education": null,
                "occupation": null,
                "age_licensed": null,
                "data_source": "CARRIER",
                "driver_id": "d880d5e2-7887-4ab9-8890-787d7e414d2e",
                "is_excluded": false
              }
            ],
            "GaragingAddress": null,
            "LienHolderAddress": null
          }
        ],
        "commercial_named_insureds": [],
        "named_insureds": [
          {
            "named_insured_id": "d982455d-e40b-4d4e-abf5-c69ca9882f58",
            "first_name": "Clark",
            "middle_name": "J",
            "last_name": "Kent",
            "full_name": "Clark J Kent",
            "is_primary_named_insured": null
          },
          {
            "named_insured_id": "8fc4ebdd-101b-4e1d-b74c-3119962c2b4f",
            "first_name": "Lois",
            "middle_name": "",
            "last_name": "Lane",
            "full_name": "Lois Lane",
            "is_primary_named_insured": null
          }
        ],
        "transactions": [],
        "notices": [],
        "billing_accounts": [],
        "payments": []
      }
    ],
    "drivers": [
      {
        "first_name": "Clark",
        "middle_name": "J",
        "last_name": "Kent",
        "drivers_license": null,
        "date_of_birth_str": null,
        "gender": null,
        "marital_status": null,
        "age": null,
        "age_on_date": null,
        "education": null,
        "occupation": null,
        "age_licensed": null,
        "data_source": "CARRIER",
        "driver_id": "d880d5e2-7887-4ab9-8890-787d7e414d2e"
      },
      {
        "first_name": "Lois",
        "middle_name": "",
        "last_name": "Lane",
        "drivers_license": null,
        "date_of_birth_str": null,
        "gender": null,
        "marital_status": null,
        "age": null,
        "age_on_date": null,
        "education": null,
        "occupation": null,
        "age_licensed": null,
        "data_source": "CARRIER",
        "driver_id": "90d0fda0-9ea5-4a58-9dee-a46a3099823b"
      }
    ],
    "documents": [
      {
        "document_id": "1ee25a42-ee85-484e-b2d7-07530cb89eda",
        "title": "07-05-2025 - AUTO # 123456789 - Insurance ID Card",
        "date_added": null,
        "document_type": "INSURANCE_ID_CARD",
        "policy_id": null,
        "document_source": "CARRIER",
        "document_parsing_result": null,
        "document_parsing_error_message": null,
        "parser_id": null,
        "policy_transaction_id": null,
        "policy_notice_id": null
      }
    ],
    "addresses": [],
    "claims": [],
    "driving_records": [],
    "loss_events": [],
    "agents": [],
    "non_policy_linked_data": {
      "dwellings": [],
      "vehicles": []
    }
  }
}

Auto Insurance Policy Search

Auto Insurance Policy Search returns verified auto insurance policy information without the need for login credentials.

Carrier-specific Search Input and Output

	State Farm	Progressive Options A, B	Progressive Option C	USAA	American Family
Inputs
Policy Number	Option A	Option A	Option C	First 9 digits (”USAA number”)	Required
VIN (partial)	Option B	Option A (last 6 digits)			Required (last 5 digits)
VIN (full)	Option C	Option B		Required
Last Name				Required
Date of Birth			Option C
Garaging address	Option D
ZIP			Option C
Outputs
Declarations Page PDF			✅	✅	Verification of Insurance PDF
Insurance company name	✅	✅	✅	✅	✅
Insurance company address	✅		✅		✅
Policy Status	✅	✅	✅	✅	✅
Policy Effective Date	✅	✅	✅	✅	✅
Policy Expiry Date	✅	✅	✅	✅	✅
Policy Number	✅	✅	✅	✅	✅
Vehicle Details	✅	✅	✅	✅	✅
Vehicle Coverages	Bodily Injury, Property Damage, Comprehensive, Collision	Bodily Injury, Property Damage, Comprehensive, Collision	✅	Collision and Comprehensive deductibles	✅
Lienholder name	✅	✅	✅	✅	✅
Lienholder address	✅	✅	✅	✅	✅
Named Insured	✅	✅	✅	✅	✅
Named Insured Address	✅	✅	✅	✅	✅
Agent full name	✅	✅	✅		✅
Agent phone	✅	✅	✅		✅
Agent address	✅		✅		✅

Inputs, keys, and per-carrier requirements

This table is the reference for the searchData object: the keys and values to supply, and the options by insurance provider. Keys are camelCase and case-sensitive, and all values are strings.

Input	`searchData` key	Format	State Farm	Progressive	USAA	American Family
Policy number	`policyNumber`	Text, alphanumeric	Option A. Supply `autoSearchMethod:"POLICY_NUMBER"` in `searchData` along with `policyNumber`	Option A, Option C	First 9 digits ("USAA number")	Required
VIN (partial)	`vinLastSix`	Text, digits only	Option B (last 6 digits). Supply `autoSearchMethod:"VIN_LAST_SIX"` in `searchData` along with `vinLastSix`	Option A (last 6 digits)		Required (last 5 digits)
VIN (full)	`vin`	Text, digits only	Option C. Supply `autoSearchMethod:"VIN"`in `searchData` along with `vin`	Option B	Required
Last Name	`lastName`	Text			Required
Date of Birth	`dateOfBirth`	Text in "MM/DD/YYYY" format		Option C
Zip	`zipCode`	Text, eg. "98712"		Option C
Garaging address	Supply `street`, `street2`, `city`, `state`, `zipCode`	Text values for `street`, `street2`, `city`, `state`, `zipCode`	Option D. Supply `autoSearchMethod:"ADDRESS"` in `searchData` along with text values for `street`, `street2`, `city`, `state`, `zipCode`

Example: State Farm Auto Insurance Policy Search (Option D)

curl -X POST https://app.usecanopy.com/api/v1.0.0/teams/{teamId}/policySearch \
  -H 'x-canopy-client-id: YOUR_CLIENT_ID' \
  -H 'x-canopy-client-secret: YOUR_CLIENT_SECRET' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "public_alias": "your-widget-alias",
    "insurerName": "statefarm",
    "searchType": "AUTO_POLICY",
    "searchData": {
      "autoSearchMethod": "ADDRESS",
      "street": "123 Main St",
      "street2: "Apt 567",
      "city": "Memphis",
      "state": "TN",
      "zipCode": "12345"
    },
    "meta_data": { "your_reference_user_id": "abc-123" }
  }'

Example: Progressive Auto Insurance Policy Search (Option C)

curl -X POST https://app.usecanopy.com/api/v1.0.0/teams/{teamId}/policySearch \
  -H 'x-canopy-client-id: YOUR_CLIENT_ID' \
  -H 'x-canopy-client-secret: YOUR_CLIENT_SECRET' \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json' \
  -d '{
    "public_alias": "your-widget-alias",
    "insurerName": "progressive",
    "searchType": "AUTO_POLICY",
    "searchData": {
      "zipCode": "12345",
      "dateOfBirth": "01/25/1990",
      "policyNumber: "123456789"
    },
    "meta_data": { "your_reference_user_id": "abc-123" },
    "device_identifier": "your-device-identifier",
    "terms_version": 1,
    "consent_language": "By selecting “Continue” you agree to the Canopy Connect Terms & Privacy Policy"
  }'

Immediate response

A successful request returns 200 with the new Pull's ID and JWT you can use to track it:

{
  "pull_id": "00000000-0000-0000-0000-000000000000",
  "pull_jwt": "eyJhbGciOi..."
}

Error responses

Status	Meaning
`400`	Invalid input. Invalid `searchType`/`insurerName`, unknown `public_alias`, or `searchData` is missing a required field or contains an extra field.
`401`	Missing or invalid API credentials.
`403`	API key inactive, IP not whitelisted, or your account lacks access to Policy Search.
`500`	Unexpected server error

Example Auto Policy Search Result

Use webhooks to receive realtime notifications when verifications complete. Upon receiving the webhook, fetch the auto insurance policy data via the GET /pulls/:pullId endpoint

{
    "success": true,
    "pull": {
        "answers": [],
        "first_name": "Clark",
        "middle_name": "J",
        "last_name": "Kent",
        "work_phone": null,
        "work_phone_extension": null,
        "mobile_phone": null,
        "home_phone": null,
        "gender": null,
        "marital_status": null,
        "education": null,
        "occupation": null,
        "email": null,
        "account_email": null,
        "phone": null,
        "pull_id": "85fe68d4-8da1-472a-b34d-db9a662ec2fa",
        "status": "SUCCESS",
        "insurance_provider_name": "progressive",
        "team_id": "0f902ea1-908f-4893-839f-fb4ee3501645",
        "widget_id": "cc1acb96-78e7-4a21-8311-115730543c59",
        "is_archived": false,
        "created_at": "2025-06-27T15:24:48.749Z",
        "no_policies": false,
        "no_documents": false,
        "no_claims": false,
        "no_loss_events": false,
        "policies_selection_enabled": false,
        "type": "POLICY_LOOKUP",
        "skipped_product_types": null,
        "insurance_type_selection": null,
        "meta_data": null,
        "insurance_provider_friendly_name": "Progressive",
        "no_drivers": false,
        "account_identifier": null,
        "public_alias": "demo",
        "deleted_at": null,
        "public_url": "https://app.usecanopy.com/c/demo",
        "encountered_mfa": false,
        "funnel": null,
        "policies": [
            {
                "policy_id": "55cd2c6e-4666-4549-96b3-24f58724663e",
                "name": "AUTO # 123456789",
                "description": "Effective 06/22/2025 - 12/22/2025",
                "carrier_policy_number": "123456789",
                "policy_type": "AUTO",
                "effective_date": "2025-06-22T06:00:00.000Z",
                "expiry_date": "2025-12-22T07:00:00.000Z",
                "renewal_date": "2025-12-22T07:00:00.000Z",
                "canceled_date": null,
                "total_premium_cents": null,
                "carrier_name": "progressive",
                "status": "ACTIVE",
                "limited_access": false,
                "form_of_business": null,
                "deductible_cents": null,
                "paid_in_full": null,
                "amount_due_cents": null,
                "amount_paid_cents": null,
                "is_selected": false,
                "total_estimated_annual_premium_cents": null,
                "total_minimum_premium_cents": null,
                "total_deposit_premium_cents": null,
                "carrier_friendly_name": "Progressive",
                "is_monoline": true,
                "dwellings": [],
                "locations": [],
                "vehicles": [
                    {
                        "vehicle_id": "c4c443ed-1799-4074-b868-cbdc5a297704",
                        "year": 2018,
                        "make": "CHEVROLET",
                        "model": "Camaro",
                        "series": "ZL1",
                        "series2": null,
                        "type": "PASSENGER CAR",
                        "annual_mileage": null,
                        "vin": "1ABC2DEF3GH456789",
                        "hin": null,
                        "serial_number": null,
                        "uses": null,
                        "purchase_date": null,
                        "ownership_type": null,
                        "features": null,
                        "is_removed": false,
                        "data_source": "CARRIER",
                        "lien_holder": null,
                        "garaging_address": null,
                        "lien_holder_address": null,
                        "coverages": [
                            {
                                "vehicle_coverage_id": "673d7cdd-49d3-4290-aa53-178353009703",
                                "name": "BODILY_INJURY_LIABILITY",
                                "friendly_name": "Bodily Injury Liability",
                                "premium_cents": null,
                                "per_person_limit_cents": 5000000,
                                "per_person_unlimited": false,
                                "per_incident_limit_cents": 10000000,
                                "per_incident_unlimited": false,
                                "per_day_limit_cents": null,
                                "deductible_cents": null,
                                "actual_cash_value": false,
                                "is_declined": false,
                                "per_mile_premium_tenth_of_cents": null,
                                "max_days": null
                            },
                            {
                                "vehicle_coverage_id": "ccd6f609-5f8a-47db-a4e0-a4cb7ba4072af",
                                "name": "PROPERTY_DAMAGE_LIABILITY",
                                "friendly_name": "Property Damage Liability",
                                "premium_cents": null,
                                "per_person_limit_cents": null,
                                "per_person_unlimited": false,
                                "per_incident_limit_cents": 5000000,
                                "per_incident_unlimited": false,
                                "per_day_limit_cents": null,
                                "deductible_cents": null,
                                "actual_cash_value": false,
                                "is_declined": false,
                                "per_mile_premium_tenth_of_cents": null,
                                "max_days": null
                            },
                            {
                                "vehicle_coverage_id": "02f4f81e-78e0-4c49-a668-d614db360b1d",
                                "name": "COLLISION",
                                "friendly_name": "Collision",
                                "premium_cents": null,
                                "per_person_limit_cents": null,
                                "per_person_unlimited": false,
                                "per_incident_limit_cents": null,
                                "per_incident_unlimited": false,
                                "per_day_limit_cents": null,
                                "deductible_cents": 150000,
                                "actual_cash_value": false,
                                "is_declined": false,
                                "per_mile_premium_tenth_of_cents": null,
                                "max_days": null
                            },
                            {
                                "vehicle_coverage_id": "17d232e5-81e8-4e02-b96f-87a0501c36e1",
                                "name": "COMPREHENSIVE",
                                "friendly_name": "Comprehensive",
                                "premium_cents": null,
                                "per_person_limit_cents": null,
                                "per_person_unlimited": false,
                                "per_incident_limit_cents": null,
                                "per_incident_unlimited": false,
                                "per_day_limit_cents": null,
                                "deductible_cents": 100000,
                                "actual_cash_value": false,
                                "is_declined": false,
                                "per_mile_premium_tenth_of_cents": null,
                                "max_days": null
                            }
                        ],
                        "drivers": [
                            {
                                "first_name": "Clark",
                                "middle_name": "J",
                                "last_name": "Kent",
                                "drivers_license": null,
                                "date_of_birth_str": null,
                                "gender": null,
                                "marital_status": null,
                                "age": null,
                                "age_on_date": null,
                                "education": null,
                                "occupation": null,
                                "age_licensed": null,
                                "data_source": "CARRIER",
                                "driver_id": "9632b541-e755-4c99-9a2d-5b04bcb0829b",
                                "is_excluded": false
                            },
                            {
                                "first_name": "Lois",
                                "middle_name": "",
                                "last_name": "Lane",
                                "drivers_license": null,
                                "date_of_birth_str": null,
                                "gender": null,
                                "marital_status": null,
                                "age": null,
                                "age_on_date": null,
                                "education": null,
                                "occupation": null,
                                "age_licensed": null,
                                "data_source": "CARRIER",
                                "driver_id": "43077ae8-7a68-45c0-b267-0c3151ebcf2f",
                                "is_excluded": false
                            }
                        ],
                        "GaragingAddress": null,
                        "LienHolderAddress": null
                    }
                ],
                "commercial_named_insureds": [],
                "named_insureds": [
                    {
                        "named_insured_id": "c9d1bacf-701d-42f6-a728-385db7f7268e",
                        "first_name": "Clark",
                        "middle_name": "J",
                        "last_name": "Kent",
                        "full_name": null,
                        "is_primary_named_insured": true
                    }
                ],
                "forms_and_endorsements": [],
                "transactions": [],
                "notices": [],
                "billing_accounts": [],
                "payments": [],
                "policy_check": {
                    "status": "NONE",
                    "details": {}
                }
            }
        ],
        "drivers": [
            {
                "first_name": "Clark",
                "middle_name": "J",
                "last_name": "Kent",
                "drivers_license": null,
                "date_of_birth_str": null,
                "gender": null,
                "marital_status": null,
                "age": null,
                "age_on_date": null,
                "education": null,
                "occupation": null,
                "age_licensed": null,
                "data_source": "CARRIER",
                "driver_id": "9632b541-e755-4c99-9a2d-5b04bcb0829b"
            },
            {
                "first_name": "Lois",
                "middle_name": "",
                "last_name": "Lane",
                "drivers_license": null,
                "date_of_birth_str": null,
                "gender": null,
                "marital_status": null,
                "age": null,
                "age_on_date": null,
                "education": null,
                "occupation": null,
                "age_licensed": null,
                "data_source": "CARRIER",
                "driver_id": "43077ae8-7a68-45c0-b267-0c3151ebcf2f"
            }
        ],
        "documents": [],
        "addresses": [],
        "claims": [],
        "driving_records": [],
        "loss_events": [],
        "agents": [
            {
                "agent_info_id": "b7ca38c9-a97d-4562-8a3b-5e88c50195e4",
                "address_id": null,
                "agency_name": null,
                "agent_full_name": "Progressive",
                "phone_number": "8001234567",
                "email": null,
                "agent_code": null,
                "policy_ids": [
                    "55cd2c6e-4666-4549-96b3-24f58724663e"
                ]
            }
        ],
        "non_policy_linked_data": {
            "dwellings": [],
            "vehicles": []
        },
        "policy_check_status": "NONE"
    }
}

Home Insurance Policy Search

Home insurance policy search returns verified home insurance policy information without the need for login credentials.

Carrier-specific Search Input and Output

	USAA	American Family	Liberty Mutual
Inputs
Policy Number	Required	Required	Required
Hurricane Policy Number			Optional
Property Address			Required
House Number	Required
Zip	Required	Required
First Named Insured - First Name			Required
First Named Insured - Last Name			Required
Second Named Insured - First Name			If exists
Second Named Insured - Last Name			If exists
First Mortgagee Name			Required
First Mortgagee Name Line 2			Required
Address			Required
City			Required
State			Required
Zip			Required
Outputs
Meets Fannie Mae Requirements	✅	✅	✅
Named insured	✅	✅	✅
Property Address	✅	✅	✅
Insurance Company Name	✅	✅	✅
Insurance Company Address		✅	✅
Insurance Contact Email		✅	✅
Insurance Contact Phone		✅	✅
Policy Number	✅	✅	✅
Policy Type (HO6, HO3, DP3, etc)	✅		✅
Effective Date	✅	✅	✅
Expiration Date	✅	✅	✅
Policy premium	✅	✅	✅
Total Amount Paid	✅	✅	✅
Total Amount Due	✅	✅	✅
Dwelling coverage	✅	✅	✅
Extended dwelling coverage (if applicable)	✅		✅
Settlement basis	Only if extended dwelling coverage is present, otherwise unknown		✅
Standard extended coverage endorsement			✅
Roof materials settlement basis			✅
Building ordinance coverage (yes or no)		✅	✅
Deductible amount	✅	✅	✅
Wind-loss deductible (if noted separately)	✅	✅	✅
First Mortgagee	✅	✅	✅
Second Mortgagee, for HELOCs (if needed)	✅	✅	✅