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ACORD 27, Evidence of Property Insurance, page 1
Moderate · 55/100Form Complexity Index

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What this form asks for

The AI fills all of it, from your answers or your documents.

The ACORD 27, Evidence of Property Insurance form, is a document that summarizes the property insurance coverage for a specific location. It is not a contract but serves as informational proof to parties with an interest in the property, like a mortgage lender, confirming that insurance is in place. This form details the insured, the property, policy limits, and any additional interests. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields89
Pages1
Form Complexity IndexModerate, 55/100

The AI checks your answers before you download

14 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Ensures Policy Expiration Date is after the Effective Date

This validation checks that the `Policy_ExpirationDate_A` occurs after the `Policy_EffectiveDate_A`. A policy period cannot have an end date that is before its start date, which is critical for determining if coverage is active. If this validation fails, the system should flag the dates for correction as it indicates a significant data entry error.

Validates the Form Completion Date format and logical range

This check ensures the `Form_CompletionDate_A` is a valid date in MM/DD/YYYY format and is not a date in the future or an unreasonably distant past date. This is important for establishing the document's creation timeline and authenticity. A failure would prevent processing and require the user to enter a valid, current date.

Requires a description if 'Other' policy type is selected

This validation rule enforces that if the `Policy_PolicyType_OtherIndicator_A` checkbox is selected, the corresponding `Policy_PolicyType_OtherDescription_A` text field must not be empty. This is crucial for understanding the nature of non-standard policy types which are not covered by the basic, broad, or special categories. Without this description, the coverage information is incomplete and ambiguous.

Ensures the Insured's full name is provided

This check verifies that the `NamedInsured_FullName_A` field is not empty. The insured's name is a fundamental piece of information required to identify the policyholder and the subject of the insurance contract. Failure to provide this information makes the entire document invalid and unusable for verification purposes.

Ensures the Policy Number is provided

This validation confirms that the `Policy_PolicyNumberIdentifier_A` field contains a value. The policy number is the primary unique identifier for the insurance contract and is essential for retrieving policy details and filing claims. An empty policy number field would halt processing until it is supplied.

Validates the Producer's email address format

This check ensures that the value entered in `Producer_ContactPerson_EmailAddress_A` conforms to a standard email address format (e.g., [email protected]). Proper email formatting is necessary for ensuring that communications to the agency or producer are deliverable. An invalid format would trigger an error, prompting the user to correct the entry before submission.

And 8 more checks
  • Ensures coverage description is present if amount or deductible is entered
  • Validates that the Amount of Insurance is a valid positive number
  • Ensures the 'Prior Evidence Dated' is before the current form's date
  • Requires at least one 'Perils Insured' type to be selected
  • Requires an interest type if an Additional Interest is named
  • Validates the Producer's phone number format
  • Ensures postal codes are in a valid format
  • Requires a description if 'Other' additional interest type is selected

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How to Fill Out ACORD 27 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload your ACORD 27 form or select it from the template library.
  2. Provide the insurance agency (producer) and insured's information. The AI can assist by pre-filling known details.
  3. Enter the specific policy information, including the policy number, company, and the effective and expiration dates.
  4. Input the details of the insured property, including its location and a brief description.
  5. Specify the coverage information, including the types of perils covered (Basic, Broad, Special), coverage amounts, and deductibles for the property.
  6. Identify any additional interests, such as a mortgagee or loss payee, by providing their name, address, and loan number.
  7. Review all the AI-populated fields for accuracy, have the authorized representative sign the form electronically, and then download or share the completed document.

Common Mistakes in Completing ACORD 27

The ones the AI is built to catch.

Listing Mailing Address as Property Location
Users often enter the insured's mailing address from the 'INSURED' section into the 'PROPERTY INFORMATION' section, instead of the actual physical location of the insured property. This is a critical error as the interested party, such as a mortgagee, needs to verify insurance on the specific collateral property, not where the policyholder receives mail. To avoid this, always double-check that the address under 'LOCATION/DESCRIPTION' corresponds to the actual insured site, not a P.O. Box or mailing address.
Incorrectly Designating the Additional Interest Type
The form requires specifying the interested party's role by checking 'MORTGAGEE', 'LOSS PAYEE', 'ADDITIONAL INSURED', or another status. Users frequently select the wrong one, such as 'Loss Payee' when 'Mortgagee' is required by the lender. These designations have different legal rights regarding policy changes and claim payments, and a mismatch will cause the form to be rejected. Always confirm the required designation from the loan agreement or the party requesting the evidence.
Transposing Digits in Policy or Loan Numbers
Manual entry of long numeric strings for the 'POLICY NUMBER' and 'LOAN NUMBER' fields often leads to typos or transposed digits. An incorrect number prevents the receiving party, like a bank, from matching the insurance evidence to their records, causing significant processing delays and compliance failures. Carefully proofread these numbers character-by-character before submission. Using an AI tool like Instafill.ai can reduce these errors by automatically populating data from a verified source, minimizing manual entry.
Entering Inaccurate Coverage Limits or Deductibles
The 'COVERAGE INFORMATION' table is often filled with amounts that do not meet the lender's requirements. For example, the 'AMOUNT OF INSURANCE' might be less than the loan value, or the 'DEDUCTIBLE' might be higher than the maximum allowed in the loan agreement. This results in the form being rejected, delaying loan closings or other transactions. Always verify the required coverage amounts and deductibles against the requesting party's insurance requirements.
Confusing the Insurance Agency with the Insurance Company
People often list their local insurance agent's name (the 'PRODUCER' or 'AGENCY') in the 'COMPANY' field. The 'COMPANY' field is reserved for the actual insurance carrier that underwrites the policy (e.g., Travelers, Chubb, etc.). This mistake causes confusion, as the interested party needs to know the financially responsible entity backing the policy. Ensure the producer/agency information is kept separate from the underwriting company's details.
Using Incorrect or Abbreviated Legal Names
The names of the 'INSURED' and 'ADDITIONAL INTEREST' must be the full, correct legal names as they appear on deeds and loan documents. Using abbreviations, DBAs, or slightly incorrect names (e.g., 'My Bank' instead of 'My Bank, N.A. ISAOA/ATIMA') can cause a mismatch in legal records, leading to the form's rejection. Always use the complete and accurate legal entity name.
Failing to Specify Perils Insured
The form includes checkboxes for 'PERILS INSURED' (BASIC, BROAD, SPECIAL). Lenders and other interested parties almost always require 'SPECIAL' form coverage, which is the most comprehensive. Failing to check the correct box or leaving this section blank makes the form incomplete and will likely lead to its rejection, as the quality of coverage cannot be verified.
Entering Incorrect Policy Effective or Expiration Dates
The 'EFFECTIVE DATE' and 'EXPIRATION DATE' must be accurate and demonstrate continuous coverage for the period required by the interested party. A common mistake is entering a past expiration date or a future effective date that creates a coverage gap. This immediately invalidates the evidence for current purposes and can put the insured in default of their loan agreement. AI form-filling tools can help by validating date formats and flagging potential gaps in coverage.
Forgetting the Authorized Representative's Signature
The 'AUTHORIZED REPRESENTATIVE' field must be signed by an authorized person from the insurance agency to be valid. An unsigned form is not an official document and provides no proof of insurance, causing it to be sent back and delaying the entire process. If the form is only available as a flat non-fillable PDF, note that Instafill.ai can convert it into a fillable version, making it easier to add digital signatures and complete all required fields.
Omitting the Lender's Specific Address Clause
Many lenders require a specific 'ISAOA / ATIMA' (Its Successors And/Or Assigns As Their Interests May Appear) clause to be included with their name and address in the 'ADDITIONAL INTEREST' section. Omitting this precise language is a very common reason for rejection. The lender's name and address must be listed exactly as stipulated in their insurance requirement documents to ensure compliance.

Frequently Asked Questions About ACORD 27

 

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Can I fill other forms too?
This plan is for your ACORD 27: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
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From your account, in two clicks, any time. No email, no call.
How does the AI fill out ACORD 27?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of ACORD 27, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is ACORD 27 to fill out?
ACORD 27 has a Form Complexity Index of 55 out of 100, in the moderate tier: 89 fillable fields across 1 page. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Evidence of Property Insurance (ACORD 27) form?
This form, also known as ACORD 27, serves as proof that a property is insured. It is typically requested by a third party, such as a mortgage lender or landlord, to verify your insurance coverage details.
Who is supposed to fill out this form?
The form must be completed and signed by the insurance producer (your agent or broker) or an authorized representative of the insurance company. The insured property owner cannot fill out this form themselves.
Is this form a legally binding contract or part of my policy?
No, this form is for informational purposes only and does not alter, amend, or extend your coverage. It is simply a snapshot of your policy details on the date it was issued and is not a contract.
Who is the 'Additional Interest' listed on the form?
The 'Additional Interest' is the person or entity, other than you, who has a financial stake in the property and needs proof of insurance. This is most often a mortgage lender (listed as Mortgagee) or a lienholder (listed as Loss Payee).
What information do I need to give my agent to get this form?
You'll need to provide the full name and address of the party requesting the form (the Additional Interest). Be sure to also include any specific loan numbers or reference IDs they require to be on the document.
What is the difference between Basic, Broad, and Special perils?
These terms describe the scope of risks covered by your policy. 'Basic' covers a specific, limited list of perils, 'Broad' covers that list plus a few more, and 'Special' covers all risks except those specifically excluded in the policy.
My lender rejected the form. What should I do?
Contact your insurance agent immediately. The lender may require different coverage amounts or need to be listed in a specific way, and your agent can issue a corrected form to meet their requirements.
What does the 'CANCELLATION' clause mean?
This clause states that if your insurance policy is cancelled before its expiration date, the insurance company will provide notice to the interested parties. The specifics of how and when that notice is delivered are governed by the terms within the actual policy.
How is this form usually delivered?
Your insurance agent will typically send the completed form directly to the requesting party (the Additional Interest) via email or mail. It's a good idea to request a copy for your own records as well.
Can an AI tool help my agent fill out this form?
Yes, an insurance agent or producer can use services like Instafill.ai to save time and improve accuracy. The AI can auto-fill form fields with insured details, policy numbers, and coverage amounts from their records.
How can my agent use Instafill.ai to complete this form online?
Your agent can upload the ACORD 27 form to Instafill.ai, and the platform's AI will automatically identify and populate the required fields. The agent then just needs to review the information, sign, and send the completed document.
What if the PDF of this form I have is not fillable?
If you have a non-fillable or 'flat' PDF, a service like Instafill.ai can convert it into an interactive, fillable form. This allows the authorized agent to easily enter the necessary information digitally without having to print and scan.
What does 'Limits shown may have been reduced by paid claims' mean?
This is a standard disclaimer indicating that the total amount of coverage available may be less than the amount listed if claims have already been paid out during the current policy period. It informs the additional interest that the full limit may not be available.
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