{
  "name": "Renters Insurance Policy",
  "description": "State Farm renters insurance policy structure",
  "properties": [
    { "name": "policyNumber", "type": "string", "description": "State Farm policy number" },
    { "name": "status", "type": "string", "description": "Policy status (ACTIVE, PENDING, CANCELLED, EXPIRED, LAPSED)" },
    { "name": "effectiveDate", "type": "date", "description": "Coverage start date" },
    { "name": "expirationDate", "type": "date", "description": "Coverage end date" },
    { "name": "annualPremium", "type": "number", "description": "Annual premium in USD" },
    { "name": "monthlyPremium", "type": "number", "description": "Monthly premium in USD" },
    { "name": "insuredName", "type": "string", "description": "Primary insured full name" },
    {
      "name": "propertyAddress",
      "type": "object",
      "description": "Insured property address",
      "properties": [
        { "name": "street", "type": "string", "description": "Street address with unit" },
        { "name": "city", "type": "string", "description": "City" },
        { "name": "state", "type": "string", "description": "US state code" },
        { "name": "zipCode", "type": "string", "description": "ZIP code" }
      ]
    },
    {
      "name": "coverageSummary",
      "type": "object",
      "description": "Coverage selections",
      "properties": [
        { "name": "personalPropertyLimit", "type": "integer", "description": "Personal property limit in USD" },
        { "name": "liabilityLimit", "type": "integer", "description": "Liability limit in USD" },
        { "name": "medicalPaymentsLimit", "type": "integer", "description": "Medical payments limit in USD" },
        { "name": "deductible", "type": "integer", "description": "Deductible amount in USD" },
        { "name": "additionalLivingExpenses", "type": "boolean", "description": "ALE coverage included" },
        { "name": "identityRestorationCoverage", "type": "boolean", "description": "Identity restoration included" }
      ]
    }
  ]
}