Bundle applications

Send product: "Bundle" with both the home and auto sections. Every field documented for Home and Auto applies unchanged; there are no Bundle-only fields.

• Shared applicant + demographics. customer, address, and demographics (including the applicant yes/no flags and co_applicant) describe the one applicant and cover both policies — send them once, not per product.
• effective_date is asked once. It rides in home.effective_date or auto.effective_date — send it in either section (if both are present the values should match; they map to separate columns).
• Two independent loss histories. Home/property claims go in home.losses[] (lenient, editable on review); per-driver auto incidents stay under each auto.drivers[].violations/accidents/losses (strict — incomplete entries are dropped with a warning). They don’t overlap.
• Prior insurance is per product. Home carrier/tenure uses the home_prior_* fields; auto uses current_carrier/auto_prior_*. A customer can have prior coverage on one product and none on the other.
• Send the complete home block. The example below is complete and rates as-is. Include the construction, roof, heating, and coverage fields so the policy can be rated without extra input on the review page.

Example

{
  "call": {
    "id": "crm-application-10483"
  },
  "consent": {
    "sms_review_link": true
  },
  "product": "Bundle",
  "customer": {
    "first_name": "Maria",
    "last_name": "Gomez",
    "email": "maria.gomez@example.com",
    "phone": "1234567890",
    "date_of_birth": "1985-06-15",
    "ssn": "123-45-6789"
  },
  "address": {
    "line_1": "1100 Congress Ave",
    "city": "Austin",
    "state": "TX",
    "postal_code": "78701"
  },
  "home": {
    "year_built": 2004,
    "architectural_style": "Ranch",
    "dwelling_type": "SingleFamilyHouse",
    "construction_type": "Frame",
    "construction_quality": "Average",
    "exterior_wall_type": "BrickVeneer",
    "foundation_type": "Slab",
    "roof_material_type": "ASPHALT_SHINGLES",
    "roof_shape": "C_Hip",
    "roof_updated_type": "NotUpdated",
    "heating_type": "Electric",
    "plumbing_type": "EntirelyCopper",
    "located_over_water": "NotOverWater",
    "number_of_stories": "One",
    "total_area_sq_ft": 2000,
    "number_of_units": 1,
    "number_of_families": 1,
    "number_of_units_in_firewall": 1,
    "under_construction": false,
    "occupancy_type": "OwnerPrimary",
    "short_term_rental": false,
    "number_of_dogs": 0,
    "has_vicious_animals": false,
    "has_business_on_premises": false,
    "distance_from_fire_hydrant_ft": "_0_500ft",
    "distance_from_fire_station_miles": "Lessthan5miles",
    "gated_community_discount": false,
    "mit_credit_form": false,
    "number_of_mortgagees": 1,
    "home_has_prior_insurance": true,
    "home_prior_carrier_name": "Allstate",
    "home_prior_years": 5,
    "home_prior_expiration_date": "2026-07-31",
    "lapse_in_coverage": false,
    "property_insurance_cancelled": false,
    "move_in_date": "2018-05-01",
    "effective_date": "2026-08-01",
    "sale_price_cents": 35000000,
    "dwelling_replacement_cost": 300000,
    "other_structures_coverage": 30000,
    "personal_property_coverage": 150000,
    "loss_of_use_coverage": 60000,
    "personal_liability": "ThreeHundred",
    "dwelling_medical_payments": "cov5000",
    "all_perils_deductible": "OneThousand",
    "windstorm_deductible": "TwoPercent",
    "losses": [
      {
        "description": "WATERDAMAGE",
        "date_of_incident": "2022-11-03",
        "amount_paid_cents": 480000
      }
    ]
  },
  "auto": {
    "current_carrier": "Progressive",
    "policy_expiration_date": "2026-09-01",
    "auto_prior_liability_limit": "HundredToThreeHundred",
    "auto_prior_years": 3,
    "auto_prior_months": 4,
    "auto_continuous_coverage_years": 5,
    "auto_cancelled_declined_refused_to_renew": false,
    "policy_bi": "cov100to300",
    "policy_um": "cov100to300",
    "policy_pd": "cov100000",
    "policy_mp": "cov5000",
    "policy_umpd": "cov50000",
    "policy_pip": "cov2500",
    "policy_auto_death_indemnity": "NoCoverage",
    "vehicles": [
      {
        "vin": "4T1BF1FK5CU123456",
        "year": 2021,
        "make": "TOYOTA",
        "model": "RAV4",
        "ownership": "Owned",
        "primary_use": "To_FromWork",
        "miles_to_work": 12,
        "annual_mileage": 12000,
        "vehicle_comp_deductible": "FiveHundred",
        "vehicle_coll_deductible": "FiveHundred",
        "vehicle_towing_and_labor": "NoCoverage",
        "vehicle_transportation_expense": "NoCoverage",
        "vehicle_has_modifications": false
      }
    ],
    "drivers": [
      {
        "first_name": "Maria",
        "last_name": "Gomez",
        "date_of_birth": "1985-06-15",
        "gender": "Female",
        "marital_status": "Married",
        "education_level": "Bachelors",
        "industry": "Info Tech",
        "occupation": "Software Engineer",
        "license_status": "Valid",
        "license_state": "TX",
        "date_first_licensed": "2004-06-20",
        "sr22": false,
        "last_5_years_license_suspended_or_revoked": false
      }
    ]
  },
  "demographics": {
    "gender": "Female",
    "marital_status": "Married",
    "industry": "Info Tech",
    "occupation": "Software Engineer",
    "residence_type": "Own Home",
    "household_size": 3,
    "years_at_address": 4,
    "months_at_address": 2,
    "order_credit_authorized": true,
    "has_co_applicant": false,
    "is_mailing_address_different": false
  }
}