Homeowners data model

PolicyCenter provides a data model with entities or objects tailored to a particular line of business rather than a generic data model for all lines of business. Because PolicyCenter tailors entities to the line of business, they are easy to understand and work with. The coverage data objects for a line exist in their own database table, so you can make a change to one line of business without affecting the other lines.

The following diagram shows entities related to coverables and coverages in Homeowners.

HOPLine

The HOPLine entity is a subtype of PolicyLine. The line delegates to Coverable and has an array to coverages, HOPLineCov entity instances. The line has arrays to conditions and exclusions, HOPLineCond and HOPLineExcl entity instances, respectively.

The line delegates to Modifiable and has an array of modifiers, HOPLineMod entity instances.

The line has arrays of PolicyAddlInsured and HOPCoveragePart entity instances.

HOPCoveragePart

In PolicyCenter, homeowners provides policy types for insuring dwellings, rentals, and condominiums. In the base implementation, the policy type is represented by the coverage part, HOPCoveragePart. In the user interface, the line has one and only one coverage part, therefore policy type and coverage part are somewhat interchangeable. For example, you have a dwelling and a rental property. You must get one policy to insure the dwelling and another policy to insure the rental property.

However, the data model supports an array of coverage parts on the line. Therefore, you can modify the implementation and the user interface to support multiple coverage parts. For example, one policy can include both the dwelling and the rental property.

Coverage parts can contain coverages, exclusions, conditions, modifiers, and coverable objects. However, clauses are often not specific to coverage parts or policy type. Clause availability may be determined by coverage part.

HOPDwelling

The HOPDwelling entity represents the dwelling covered by the homeowners policy. The dwelling references the location, PolicyLocation entity instance. The dwelling includes many details including protection information and construction details.

The CoverageForm property specifies the coverage form selection which can determine clause availability, such as coverage and coverage term availability. CoverageForm availability depends on the parent HOPCoveragePart. Coverage form selection can determine form inference.

HOPDwelling delegates to Coverable and holds an array of coverages (HOPDwellingCov) and an array of additional interests, HOPDwellAddlInterest.

HOPDwelling delegates to Modifiable, holding an array of modifiers. HOPDwelling also has arrays of conditions and exclusions.

Other entities related to coverables

The coverage entities HOPCoveragePartCov, HOPCovPartScheduleCov and HOPCovPartSchCovItemCov, and the HOPCovPartScheduleCovItem coverable entity are provided for you to use and extend. In the base configuration, these entities are not associated with any coverage patterns.

HOPLineCov

HOPLineCov is a coverage entity for homeowners coverages at the policy line level. HOPLineCov has an array of Cost (HOPLineCovCost) entities.

HOPLineScheduleCov

HOPLineScheduleCov,a subtype of HOPLineCov, defines homeowners line coverages that include schedules. This entity has an array of ScheduledItem (HOPLineScheduleCovItem) coverable entities. As a subtype of HOPLineCov, this entity can have an array or costs (HOPLineCovCost entity instances). HOPLineSchCovItemCov is the coverage entity associated with this coverable.

HOPLineScheduleCovItem

The HOPLineScheduleCovItem coverable entity defines a scheduled item of a homeowners line coverage. HOPLineSchCovItemCov is the coverage entity associated with this coverable.

This entity has an optional reference to a PolicyLocation entity. This reference can handle scheduled items that are not at the same location as the location of the dwelling.

HOPDwellingCov

HOPDwellingCov defines the types of coverage terms that can be assigned in the product model for homeowners dwelling-level coverages. HOPDwellingCov has an array of Cost (HOPDwellingCovCost) entities.

HOPDwellingScheduleCov

HOPDwellingScheduleCov, a subtype of HOPDwellingCov, defines dwelling coverages that include schedules. HOPDwellingSchedulCov has an array of ScheduledItem (HOPDwellScheduleCovItem) coverable entities.

HOPDwellScheduleCovItem

The HOPDwellScheduleCovItem coverable entity defines a scheduled item of a dwelling coverage. HOPDwellingSchCovItemCov is the coverage entity associated with this coverable.

This entity has an optional reference to a PolicyLocation entity. This reference can handle scheduled items that are not at the same location as the location of the dwelling.