# Homeowners Rater

The service is a General Insurance (GI) / Property and Casualty (P\&C) model that calculates the premium for homeowner insurance.

## Download the service

{% file src="/files/-MgJoHondli5rLlymRGt" %}
Homeowner Rater
{% endfile %}

## Inputs

* `01_Year_Built` Year the house is built.
* `02_Building_limit` Building sum insured.
* `03_Coverage_type` Coverage type such as *Deluxe house/deluxe contents*, *Deluxe house/standard contents* and *Deluxe house without contents or with fire contents*.
* `04_Territory` Defines the territory number.
* `05_Base_deductible_factor` Base deductible amount..
* `06_Burglar_alarm` Whether the house has burglar alarms. The input is used to determine discount and surcharges.
* `07_Lien_free` Whether the house is lien free. The input is used to determine discount and surcharges.
* `08_Security_protection` Wwhether the house has security protection. The input is used to determine discount and surcharges.
* `09_Renovation_or_Construction_surcharge` Whether the house has renovation or construction surcharge. The input is used to determine discount and surcharges.

![](/files/-MgJ9efb9GO_w0uwwd1d)

![](/files/-MgJ9l6Ilp0Al0abJJZ_)

![](/files/-MgJ9r3L4y1kMjvS53pl)

## Outputs

* `Premium_WindHail` Premium for wind or hail peril.
* `Premium_Wildfire` Premium for wildfire peril.
* `Premium_AllOther` Premium for all other perils.
* `Premium_Adjusted` Sum of premium due to wind or hail, wildfire, and all other perils.
* `Premium_Adjustments` Dollar adjustments for the final premium.
* `Premium_Total` Final premium reflecting all dollar adjustments.
* `Refer` `0/1` output that indicates whether a referral to an underwriter is required. This happens when the sum assured for certain type of risk exceeds the threshold and therefore needs to be reviewed by an underwriter.
* `V1` Documents the product version.

![](/files/-MgJ9vf57UQk8xx1hDOj)


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