Homeowners product model

You can configure the homeowners product model in Product Designer.

In the homeowners line, coverage categories drive much of the user interface, so give careful consideration to the category assigned to each coverage pattern. A coverage category controls how and where coverages appear in the user interface. You can use coverage category to define what appears in the primary workflow and what requires user actions to become visible or selectable.

The product model includes conditions, exclusion, and modifiers. Review these to ensure that they meet your requirements.

The product model includes scheduled coverages.

Homeowners coverage categories

In the homeowners user interface, coverages, conditions, and exclusions are grouped as Section I, Section II, Additional, Optional, among others. The groupings correspond to coverage category. In the product model, coverages, conditions, and exclusions have a Category field that specifies coverage category.

Section I and Section II coverages are groupings defined in the United States. Section I is for required property coverages and Section II is for liability coverages.

In the base configuration, homeowners provides a number of clause categories. Clause categories whose names start with PC, such as PC Conditions, appear only in PolicyCenter. The remaining clause categories appear in both PolicyCenter and Guidewire Digital Portals implementations.

Clause categories are use for grouping coverages, conditions and exclusions in the user interface. Change the coverage categories as needed to change how they are presented in the user interface.

For clause categories that only appear in PolicyCenter, the category code begins with the prefix HOPPC. The prefix enables filtering out these coverages from the Digital Portals user interface.

The coverage categories in homeowners are:

Category Code	Category Name	Description
Coverages tab
`HOPSectionICovCat`	Section I Coverages	Coverage patterns based on industry standards for Section I base coverages. Coverages assigned to this coverage category appear in Section I Coverages.
`HOPSectionIPCCovCat`	Section I PC Coverages	Same as above.
`HOPSectionIICovCat`	Section II Coverages	Coverage patterns based on industry standards for Section II base coverages. Coverages assigned to this coverage category appear in Section II Coverages.
`HOPSectionIIPCCovCat`	Section II PC Coverages	Same as above.
Additional Coverages tab
`HOPAdditionalCovCat`	Additional Coverages	Coverage patterns that are not base coverages in Section I or II but are typically required or suggested.
`HOPPCAdditionalCovCat`	PC Additional Coverages	Same as above.
Optional Coverages tab
`HOPOptionalCovCat`	Optional Coverages	Coverage patterns that are not used for scheduled items and are defined as electable. The category includes coverages that have a schedule associated with them. Coverages assigned to this coverage category appear on the Optional Coverages tab. On the coverage pattern, the covered object, whether `HOPLine` or `HOPDwelling`, determines whether the coverage appears under Policy Line or Dwelling, respectively, on the Coverages screen. Additionally, the covered object type determines whether this coverage gets treated as coverage that has an associated schedule or not. For example, if `HOPLine` is the covered object, the covered object type is either `HOPLineCov` or `HOPLineScheduleCov`. If the covered object is `HOPDwelling`, then covered object type is either `HOPDwellingCov` or `HOPDwellingScheduleCov`. The covered object can also be the `HOPCoveragePart`, but PolicyCenter does not display those coverages by default. To display these coverages, you can modify the PCF files.
`HOPPCOptionalCovCat`	PC Optional Coverages	Same as above.
`HOPScheduledItemCovCat`	Scheduled Item Coverages	Coverage patterns that are used with scheduled items and are defined as electable. The covered object, whether `HOPLineScheduleCovItem` or `HOPDwellScheduleCovItem`, defined in the coverage pattern determines whether the coverage appears under Policy Line Optional Coverages or Dwelling Optional Coverages, respectively. Include all covered objects used for scheduled items (`HOPLineScheduleItem`, `HOPDwellScheduleCovItem`, and `HOPCovPartScheduleCovItem`) in this category.
Conditions and Exclusions tab
`HOPConditions`	Conditions	Coverage patterns defined for conditions. This coverage pattern category appears under Conditions. This category includes scheduled coverage patterns.
`HOPPCConditions`	PC Conditions	Same as above.
`HOPExclusions`	Exclusions	Coverage patterns defined for exclusions. This coverage pattern category appears under Exclusions. This category includes scheduled coverage patterns.
`HOPPCExclusions`	PC Exclusions	Same as above.

Use Product Designer to view details of coverage categories, coverages, limits, exclusions, and terms within the homeowners line.