Fill out property insurance forms
with AI.
Property insurance forms are the paperwork backbone of securing coverage for homes, commercial properties, and specialized businesses. They capture the details insurers need to evaluate risk, determine eligibility, and set appropriate coverage terms — everything from construction type and loss history to specific business operations. Whether you're applying for a standard residential policy like a dwelling fire policy or a specialized commercial package for a niche business, getting these forms right matters. Incomplete or inaccurate information can delay quotes, affect your coverage options, or even impact a claim down the line.
By continuing, you acknowledge Instafill's Privacy Policy and agree to get occasional product update and promotional emails.
About property insurance forms
The people who typically need these forms range widely: homeowners and landlords applying for dwelling fire coverage, insurance agents submitting applications on behalf of clients, and business owners in specialized industries seeking tailored liability and property protection. A martial arts studio owner, for example, needs to document specific operational details — like sparring practices and tournament activity — to get an accurate commercial quote. Each form serves a distinct purpose, but all require careful, accurate completion.
Tools like Instafill.ai use AI to fill these forms in under 30 seconds, handling the data accurately and securely — a practical time-saver whether you're an agent processing multiple applications or an individual navigating the process on your own.
Forms in This Category
- Enterprise-grade security & data encryption
- 99%+ accuracy powered by AI
- 1,000+ forms from all industries
- Complete forms in under 60 seconds
How to Choose the Right Form
These two forms serve very different audiences and insurance needs. Use the quick breakdown below to find the right one.
Insuring a Residential Property?
If you own or are purchasing coverage for a home, apartment, condominium, or co-op, the ACORD 84, Dwelling Fire Application is the form you need. This is a standardized industry form used by insurers nationwide to underwrite dwelling fire policies. It covers:
- Single-family homes, apartments, condos, and co-ops
- Structural details, construction type, and property condition
- Coverage limits, deductibles, and optional endorsements
- Prior loss history and billing arrangements
This is the go-to form for homeowners, landlords, and renters seeking fire and related residential property coverage.
Running a Martial Arts Studio?
If you operate a martial arts studio or fitness business and need commercial coverage, use the Martial Arts Studio General Liability and Property Application from Philadelphia Insurance Companies. This form is specifically designed for studio owners and covers:
- Commercial General Liability and Professional Liability
- Optional property, business income, flood, and crime coverages
- Business-specific details like sparring/contact levels, tournaments, and equipment
- Broker and prior carrier information for underwriting review
This form is only relevant to fitness and wellness businesses — not residential property owners.
Quick Decision Summary
- Homeowner, landlord, or renter insuring a residence → ACORD 84 Dwelling Fire Application
- Martial arts or fitness studio owner seeking business coverage → Martial Arts Studio General Liability and Property Application
Both forms can be completed quickly and accurately using Instafill.ai's AI-powered tools, even if you're working from a non-fillable PDF version.
Form Comparison
| Form | Purpose | Who Files It | When to Use |
|---|---|---|---|
| Martial Arts Studio General Liability and Property Application (Fitness and Wellness Insurance / Philadelphia Insurance Companies) (03/2011) | Apply for GL, property, and related coverages for martial arts studios | Martial arts studio owners or their insurance brokers | Opening, renewing, or updating coverage for a martial arts business |
| ACORD 84, Dwelling Fire Application (2013/09) | Apply for dwelling fire insurance on residential properties | Homeowners, landlords, or agents for residential properties | Insuring homes, apartments, condos, or co-ops against fire and related perils |
Tips for property insurance forms
Have key property information on hand before beginning any insurance application — including square footage, year built, construction type, and recent renovations. For dwelling fire forms, details like roof age and heating systems are commonly required. Having these ready prevents mid-form delays and reduces the chance of guessing.
Most property insurance forms ask for prior claims history, typically covering the last three to five years. Omitting or underreporting losses — even minor ones — can lead to coverage disputes or policy cancellations later. Pull your claims history from your current or prior insurer before filling out the form.
A common mistake is entering estimated market value instead of replacement cost when specifying coverage limits. These figures can differ significantly, especially for older properties or specialized structures like a martial arts studio. Underinsuring your property can leave you with significant out-of-pocket costs after a loss.
Fields for optional coverages like flood, business income, or crime coverage are easy to skip, but leaving them blank can be interpreted differently by different underwriters. Explicitly indicate 'not requested' or 'N/A' where applicable so your application is clear and complete. This also speeds up the quoting process.
AI-powered tools like Instafill.ai can complete property insurance forms — including ACORD 84 and specialty applications like martial arts studio policies — with high accuracy in under 30 seconds. Your data stays secure throughout the process, making it a practical time-saver when you're managing multiple properties or coverage types. It also converts non-fillable PDFs into interactive forms.
Property insurance applications typically require broker license numbers, agency contact details, and producer codes. Submitting outdated or incorrect broker information can delay processing or route your application to the wrong underwriting team. Double-check these fields, especially if you've recently changed agencies.
Underwriters use occupancy details to assess risk, so vague answers can trigger follow-up requests or affect eligibility. For a dwelling fire application, clarify whether the property is owner-occupied, tenant-occupied, or vacant. For a martial arts studio, detail the types of activities conducted, as contact levels and sparring practices directly influence underwriting decisions.
Always save a completed copy of your insurance application before submitting it, whether digitally or in print. If a coverage dispute arises later, your original application serves as a reference for what was disclosed at the time of binding. Organized records also make renewals and endorsement requests much faster.
Frequently Asked Questions
This category includes two key forms: the ACORD 84 Dwelling Fire Application for residential property coverage, and the Martial Arts Studio General Liability and Property Application for commercial fitness businesses. Together, they cover a range of property insurance needs from personal dwellings to specialty business operations.
Homeowners, landlords, and property investors seeking fire insurance coverage for residential properties — including single-family homes, apartments, condominiums, and co-ops — typically need to complete a dwelling fire application like the ACORD 84. It is commonly required when applying for a new policy or renewing coverage through an insurance carrier or agent.
ACORD (Association for Cooperative Operations Research and Development) forms are standardized documents used across the insurance industry to streamline the application and underwriting process. Because they follow a consistent format, they are accepted by a wide range of insurers and make it easier for agents, brokers, and underwriters to collect and compare information efficiently.
A martial arts studio would need to complete a property insurance application when opening a new location, renewing an existing policy, or adding property coverage to a general liability policy. The application helps insurers evaluate the studio's physical assets, equipment, and business income exposure to determine appropriate coverage and pricing.
Most property insurance applications ask for details about the applicant or business, the physical characteristics of the property (such as construction type, age, and condition), desired coverage limits and deductibles, prior loss history, and any special risk factors. For commercial applications like the martial arts studio form, additional operational details such as activities conducted on-site may also be required.
Completed property insurance applications are typically submitted to your insurance agent, broker, or directly to the insurance company's underwriting department. For ACORD forms, your agent or broker usually handles submission on your behalf to the appropriate carrier.
Yes — AI-powered tools like Instafill.ai can fill out property insurance forms in under 30 seconds by accurately extracting and placing data from your source documents. This significantly reduces manual data entry errors and speeds up the application process, whether you're completing an ACORD 84 or a specialty commercial application.
Manually completing a property insurance application can take anywhere from 15 to 45 minutes depending on the complexity of the form and the information required. Using an AI-powered service like Instafill.ai, the same forms can be accurately populated in under 30 seconds, making the process far more efficient for agents and applicants alike.
Submitting an incomplete or inaccurate application can delay the quoting process, affect your eligibility for coverage, or result in policy terms that don't accurately reflect your risk. It's important to review all answers carefully before submission, as errors can also have implications at the time of a claim.
The ACORD 84 Dwelling Fire Application is a widely recognized industry-standard form accepted by most carriers that offer dwelling fire policies. However, some insurers may have their own supplemental forms or requirements, so it's always a good idea to confirm with your agent or broker which forms are needed for your specific carrier.
It depends on the insurer and the type of policy you're applying for. Some commercial applications, like the Martial Arts Studio form, combine both general liability and property coverage requests in a single document. In other cases, separate applications may be required for different lines of coverage.
Dwelling fire insurance typically covers the structure of a residential property against fire and certain other named perils, and is commonly used for rental properties or vacant homes where a standard homeowners policy may not apply. Homeowners insurance generally offers broader coverage, including personal property and liability protection for owner-occupied residences.
Glossary
- ACORD Form
- A standardized insurance document created by the Association for Cooperative Operations Research and Development (ACORD) that is widely accepted across the insurance industry, ensuring consistent information collection between applicants, brokers, and insurers.
- Dwelling Fire Policy
- A type of property insurance that covers a residential structure (such as a rental home or secondary residence) against fire and other specified perils, often used when a standard homeowners policy is not applicable.
- Commercial General Liability (CGL)
- A standard business insurance coverage that protects a company against claims of bodily injury, property damage, and personal injury caused to third parties during business operations.
- Underwriting
- The process by which an insurance company evaluates the risk of insuring a person or property and determines whether to offer coverage and at what premium rate.
- Named Insured
- The individual, business, or organization specifically identified on an insurance policy as the primary party protected by the coverage.
- Endorsement
- An amendment or addition to an existing insurance policy that changes the terms, adds coverage, or excludes certain risks from the original policy.
- Business Income Coverage
- An optional property insurance coverage that reimburses a business for lost revenue and operating expenses if it must temporarily shut down due to a covered loss, such as fire or storm damage.
- Professional Liability
- Insurance that protects businesses and individuals against claims of negligence, errors, or inadequate services in the course of their professional duties — particularly relevant for instructors in a martial arts studio context.
- Prior Carrier History
- Information about a business's or property owner's previous insurance companies and policies, including any gaps in coverage or claims filed, which underwriters use to assess risk.
- Deductible
- The amount the policyholder must pay out of pocket before the insurance company begins covering a claim; choosing a higher deductible typically lowers the insurance premium.