Homeowners & Property Hazard Insurance Policy Schema Markup (JSON-LD)
Structured data for residential homeowners (HO-3/HO-5) insurance policies, dwelling hazard coverage, personal property protection, liability limits, and windstorm/flood riders.
Displayed below main page header or above the tool container. • Zero CLS Container
Production JSON-LD Code Block
Embed this structured data block directly into your HTML <head> or framework layout template.
{
"@context": "https://schema.org",
"@type": "InsurancePolicy",
"@id": "https://example.com/insurance/homeowners-ho3#policy",
"name": "Premier HO-3 Special Form Homeowners Insurance",
"description": "Comprehensive all-peril dwelling coverage, personal property replacement cost, loss of use, and $500,000 personal liability protection for single-family residences.",
"provider": {
"@type": "InsuranceAgency",
"name": "Heritage Mutual Property & Casualty",
"telephone": "+1-800-555-0185"
},
"offers": {
"@type": "Offer",
"price": "1450",
"priceCurrency": "USD",
"unitText": "ANN",
"description": "Estimated annual premium based on $450,000 dwelling replacement value."
},
"feesAndCommissionsSpecification": "$1,000 standard all-peril deductible; 2% named hurricane deductible in coastal zones."
}Typed Properties Specification (6 Fields)
Key Schema.org properties and sub-objects required to qualify for rich snippet treatment in Google Search.
| Property | Expected Type | Status | Description & Example |
|---|---|---|---|
| name | Text | Required | Official homeowners policy designation (HO-3, HO-5, HO-6). e.g. Premier HO-3 Special Form Homeowners Insurance |
| provider | InsuranceAgency | Required | Underwriting property and casualty insurance carrier. e.g. { "@type": "InsuranceAgency", "name": "Heritage Mutual Property & Casualty" } |
| offers | Offer | Required | Annual baseline premium estimate, currency, and rating basis. e.g. { "@type": "Offer", "price": "1450", "priceCurrency": "USD", "unitText": "ANN" } |
| feesAndCommissionsSpecification | Text | Required | Standard all-peril deductible and separate wind/hail/flood percentage deductibles. e.g. $1,000 standard all-peril deductible; 2% named hurricane deductible... |
| description | Text | Recommended | Coverage limits for dwelling structure (Coverage A), personal property (Coverage C), and personal liability. e.g. Comprehensive all-peril dwelling coverage, personal property replacement... |
| serviceType | Text | Recommended | Property & casualty policy form classification. e.g. HO-3 Special Form Residential Hazard Insurance |
Google Search Console Pitfalls & Critical Warnings
Avoid these 3 common validation traps, parser errors, and algorithmic policy penalties when deploying InsurancePolicy schema.
Failing to Disclose Separate Wind/Hail Deductibles
Omitting percentage-based hurricane/wind deductibles in coastal zones creates compliance issues in homeowner rate aggregators.
Disclose all-peril vs wind/hail deductible splits in feesAndCommissionsSpecification.
Confusing Flood Insurance with Standard Hazard HO-3
Implying flood/rising water is covered under standard HO-3 policies without a separate NFIP rider violates state insurance regulations.
Explicitly state flood exclusion or separate NFIP policy requirement in description.
Missing Annual Billing UnitCode
Omitting unitText 'ANN' causes annual $1,450 premiums to look like extreme monthly rates.
Specify unitText: 'ANN' on annual home insurance policies.
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Displayed below main page header or above the tool container. • Zero CLS Container