How Do I Choose a Property's Home Quality?

This question is state-specific and will not be shown in the Portal for all states.

When a home fits multiple quality descriptions (e.g., a basic shaped home with custom kitchens and bathrooms), select the higher quality that applies. 

Verification is required to change the home quality on an issued policy. Submit supporting photos (interior, including kitchen / bathroom, and exterior) with your request via our webform.

Economy

House shape: A basic shape, square or rectangular. No rooms extending past the foundation, such as a bay or bow window

Ceilings & Walls: Painted, with minimal molding

Flooring: Low-grade carpet or sheet vinyl

Cabinets & Countertops: Pre-fabricated, modular box-style, particleboard cabinets; laminate countertops

Standard

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House shape: Square, rectangular, or L-shaped. May have 1-2 rooms extending past the foundation, such as a bay or bow window

Ceilings & Walls: Medium-grade wallpaper or natural wood paneling in addition to paint. One to two rooms have crown molding, chair railing, or vaulted ceilings

Flooring: Medium-grade, such as carpet with some sheet vinyl, ceramic tile, hardwood, or laminate

Cabinets and Countertops: Cabinets are made of solid pine / other softwood material or pre-fabricated, modular box-style particleboard with hardwood frames, while countertops are laminate with hardwood edging or natural marble/granite tile countertops

Above Average

House Shape: L-shaped or T-shaped. 2 or more rooms extending past the foundation, such as a bay or bow window

Ceilings & Walls: High-grade wallpaper or natural wood paneling in addition to paint, while several rooms have crown molding, chair railing, vaulted ceilings, or exposed wood beams

Flooring: High-grade, such as top-quality carpet, with some sheet vinyl, ceramic tile, hardwood, laminate, or marble / granite / travertine

Cabinets & Countertops: Cabinets may have hardwood raised-panel cabinet door fronts or cathedral-style / glass panes, while countertops are high-grade laminate with hardwood edging, medium-grade solid surface material, or domestic solid natural marble / granite countertops

Additional Features: Some built-in features, such as bookcases or a wet bar

Custom

House Shape: Irregular or complex-shaped with eight or more corners

Ceilings & Walls: Walls may have brick or tile in addition to paint, high-grade wallpaper, or natural wood paneling, while several rooms have crown molding, chair railing, vaulted / tray ceilings, or exposed wood beams

Flooring: High-grade such as top-quality carpet, sheet vinyl/ceramic tile, hardwood, laminate, or marble / granite / travertine

Cabinets and Countertops: Cabinets are solid hardwood and may have hardwood raised-panel cabinet door fronts or cathedral-style / glass panes. Cabinets may have special features like slide-out lower cabinet shelves, concealed hinges, soft or self-close hinges, or drawer slides, while countertops are high-grade solid surface material, domestic solid natural granite / marble, quartz, or solid wood butcher block

Additional features: Built-in features such as bookcases or a wet bar, an ornate staircase, ornate chandeliers, hanging lights, or recessed lights

Premium

House Shape: Irregular or complex-shaped with 13+ corners

Ceilings and Walls: Walls may have marble, hand-painted murals, or wall designs in addition to paint, high-grade wallpaper, natural wood paneling, tile, or brick, while several rooms may have oversized crown molding / chair railing, vaulted/tray ceilings, or exposed wood beams; 9-12 foot ceilings throughout

Flooring: High-grade such as wool carpet, ceramic tile, top-quality hardwood, or marble / granite / travertine

Cabinets and Countertops: Cabinets are solid hardwood and may have hardwood raised-panel cabinet door fronts or cathedral-style / glass panes. Cabinets may have special features like slide-out lower cabinet shelves, concealed hinges, soft or self-close hinges, or drawer slides, while countertops are highest-grade imported solid natural granite/marble or quartz, concrete countertops with decorative edging, or stainless steel countertops

Additional Features: Columns and built-ins such as bookcases or a wet bar; curved / ornate staircase(s); ornate or crystal chandeliers, hanging lights, or recessed lights. There are built-in spice racks, pantry doors, or custom valances in the kitchen, with built-in or commercial-grade appliances.

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