{
  "$schema": "http://json-schema.org/draft-07/schema#",
  "type": "object",
  "description": "homeowners insurance policy declarations page with coverage limits and policy details",
  "properties": {
    "namedInsured": {
      "type": "string",
      "description": "the named insured / policyholder name exactly as printed."
    },
    "policyNumber": {
      "type": "string",
      "description": "the policy number."
    },
    "policyForm": {
      "type": "string",
      "description": "the policy form code only, without the descriptive suffix (e.g. HO-3)."
    },
    "inceptionDate": {
      "type": "string",
      "description": "the policy inception/effective date in YYYY-MM-DD format."
    },
    "expirationDate": {
      "type": "string",
      "description": "the policy expiration date in YYYY-MM-DD format."
    },
    "deductible": {
      "type": "number",
      "description": "the policy deductible amount, numeric only."
    },
    "policyPremium": {
      "type": "number",
      "description": "the total policy premium, numeric only."
    },
    "yearBuilt": {
      "type": "number",
      "description": "the year the insured dwelling was built."
    },
    "construction": {
      "type": "string",
      "description": "the dwelling construction type as printed."
    },
    "propertyAddress": {
      "type": "string",
      "description": "the insured property address on one line as printed."
    },
    "agentName": {
      "type": "string",
      "description": "the agent or agency contact name."
    },
    "coverages": {
      "type": "array",
      "description": "each coverage line from the declarations with its limit. include both the property coverages (dwelling, other structures, personal property, loss of use) and the liability coverages (liability, medical).",
      "items": {
        "type": "object",
        "properties": {
          "coverageType": {
            "type": "string",
            "description": "the coverage name only, without the section-letter prefix (e.g. 'Dwelling' not '(A) Dwelling')."
          },
          "limit": {
            "type": "number",
            "description": "the coverage limit amount, numeric only."
          },
          "basis": {
            "type": "string",
            "description": "the basis qualifier printed next to the limit if any, else null (e.g. 'Each Occurrence', 'Each Person')."
          }
        }
      }
    }
  }
}