ACORD 24 Fillable Form | Certificate of Property Insurance
ACORD 24 is the Certificate of Property Insurance. Your agent sends it to a landlord, client, or other certificate holder to show your property coverage. It lists the policy dates, the covered property, and the limits.
Your landlord’s lease says you must carry property insurance, and now the landlord wants proof. A client or contractor might ask the same thing. Your agent answers with a Certificate of Property Insurance, and that’s the ACORD 24 form.
The certificate is a one-page snapshot of your property policy. It shows the property, the policy dates, and the limits. A box at the top spells out what it can’t do. It’s for information only. It gives the holder no rights, and it doesn’t change your policy.
Your agent or insurer prepares it and sends it to the holder. You don’t send it yourself.
When Someone Asks for a Certificate of Property Insurance
Four situations bring this form up.
- Your landlord wants proof
- Many commercial leases make tenants carry property insurance. The landlord asks for a certificate to confirm you have it.
- A client or contractor asks
- Some contracts require you to insure your property or equipment. The other side may want a certificate before work starts.
- A lender asks
- A lender with a stake in the property usually needs ACORD 27 or 28 instead. Those forms have a spot to name the lender. Ask which one they want.
- Your policy renews
- The certificate shows the policy dates, so you need a new one after renewal. Ask your agent a few days before the old policy ends.
What’s on the ACORD 24 Fillable Form
One page, seven parts, from top to bottom.
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1
The top warning
A boxed notice says the certificate is for information only. It gives the holder no rights and doesn’t change the policy.
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2
Producer, insured, and insurers
The form lists your agent’s contact details, your name and address, and up to six insurers. Each insurer gets a NAIC number, which is an ID number for insurance companies.
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3
Certificate number and location
Each certificate gets a number. When the agent updates it, the revision number goes up. Below that, the form describes the location and the property. Attach ACORD 101 if the box fills up.
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4
Property coverage
The first block is the main one. It shows the policy number, the start and end dates, and the causes of loss, like basic, broad, special, earthquake, wind, and flood. Next to those are the deductibles for the building and the contents. On the right are the covered property and the limits.
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5
Other lines
The next rows cover inland marine, crime, and boiler and machinery, which is also called equipment breakdown. Each row has a type of policy or covered property, a policy number, dates, and limits.
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6
Special conditions
Extra notes go here. Attach ACORD 101 if you need more room.
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7
Holder, cancellation, and signature
The certificate holder’s name and address go in the bottom left. The cancellation box says notice follows the policy’s terms, and it names no number of days. The authorized representative signs.
The property shorthand in plain words
The coverage table packs in a lot of insurance shorthand. This is what the main boxes mean.
- Basic, broad, and special
- These show how many causes of loss the policy covers. Basic covers a short list, like fire and wind. Broad covers more. Special covers everything except what the policy leaves out.
- Earthquake, wind, and flood
- Earthquake and flood usually need separate coverage, and wind often has its own deductible. That’s why they get their own boxes.
- Blanket
- Blanket means one limit that covers several items. Blanket building shares a limit across buildings. Blanket personal property does the same for contents.
- Business income
- It pays for lost income while you can’t operate after covered damage.
- Extra expense
- It pays the added costs of staying open, like renting a temporary space.
- Rental value
- If you’re a landlord, it pays the rent you lose when damage makes the building unusable.
- Equipment breakdown
- It covers the sudden breakdown of equipment like boilers, air conditioners, and electrical systems.
How ACORD 24 differs from ACORD 25, 27, and 28
These four forms look alike, but each does a different job. Pick by what the other side needs to see. If they have a financial stake in the property, like a mortgage lender, they usually need ACORD 27 or 28.
- ACORD 24
- Certificate of Property Insurance. Use it when someone only needs to confirm your property coverage, like a landlord, client, or contractor.
- ACORD 25
- Certificate of Liability Insurance. It shows liability coverage, not property coverage.
- ACORD 27
- Evidence of Property Insurance. Use it for a lender or loss payee, usually on homes and smaller properties.
- ACORD 28
- Evidence of Commercial Property Insurance. Use it for a lender or loss payee on business buildings.
FAQs
Does a certificate make my landlord a loss payee?
No. The box at the top says the certificate gives the holder no rights. To add a landlord or a lender to the policy, your agent has to change the policy itself. Then a new certificate or evidence form can show it.
Will my landlord get a notice if my policy cancels?
Not automatically. The cancellation box says notice follows the policy’s terms, and it names no number of days. If your lease requires notice, ask your agent what the policy really provides.
Is ACORD 25 enough, or do I need property proof too?
ACORD 25 shows liability coverage only. If your lease or contract asks for property insurance, you need a property certificate as well. Read the requirement and ask your agent for each form it names.
How long does a certificate stay good?
It shows the policy dates, so it only covers that policy period. When the policy renews, ask your agent for a new one. Many leases ask for fresh proof at every renewal.
Can I make my own certificate with a fillable ACORD 24?
You can type into the PDF, but only your agent or insurer should send a certificate. One that doesn’t match your policy can put you in breach of a lease or contract. Give your agent the holder’s name and address and let them handle it.
Daniel Whitfield
Daniel writes plain-language guides to ACORD insurance forms, based directly on what each form actually says.
This site is not affiliated with, endorsed by, or sponsored by ACORD LLC. ACORD® is a registered trademark of ACORD Corporation. This guide is for informational purposes only and is not legal or insurance advice.