When navigating the Property tab in the Agent Portal, you will encounter the unconventional home question. This requires agents to select the correct dwelling type for the entered address.
To ensure accurate quoting and underwriting, use the guide below to understand how we classify these dwelling types and how they impact eligibility.
Dwelling Types
Review dwelling type definitions and underwriting eligibility at a glance.
| Dwelling Type | Definition | Appetite |
|---|---|---|
| Conventional | Traditionally constructed homes built entirely on-site over a permanent foundation. | Yes, provided all other eligibility criteria are met. Learn more about acceptable homes. |
| Log Home / Log Cabin | Homes constructed with interlocking, weight-bearing log walls where the logs typically serve as both the interior and exterior surfaces. | Conditional: Out of appetite unless it is a stacked log home with a minimum of 1,500 sq. ft. Learn more about log homes vs log cabins. |
| On a Historical Registry | Homes officially recognized on a local, state, or national historic registry. These properties typically have strict, costly legal restrictions regarding the materials and methods allowed for repairs and upgrades, along with rebuild and preservation requirements that must be approved by an historical society. | No, will lead to declination. Learn more about historical homes. |
| Mobile Homes | Homes constructed in a factory with a permanently attached chassis, which are then transported to a site as self-contained living units. | No, will lead to declination. |
| Built on Stilts | Homes raised on piles or piers (vertical foundational supports driven deep into the ground) over the surface of the soil or a body of water. | No, will lead to declination. |
| Uncoventional Homes | Any dwelling whose construction type, prior occupancy or use, or key features fall outside the standard one‑family dwelling profile. This includes things like converted churches, barns, and chapels, even if they are now titled and occupied as single‑family homes | No, will lead to declination |
Selecting any dwelling type other than Conventional (with the sole exception of qualifying Log Homes age > 1,500 sq. ft.) will automatically result in a Does Not Qualify status. Because we do not have an underwriting appetite for unconventional homes, this system-generated status cannot be overridden.
For a list of ineligible property types, review Not a Fit For Openly.
For further assistance, contact us via our webform or Live Chat.