name: State Farm Vocabulary
description: >-
  Domain vocabulary for State Farm insurance products, partner integrations,
  policy management, and claims operations.
version: 1.0.0
terms:
  - term: PolicyNumber
    definition: >-
      A unique identifier assigned by State Farm to an insurance policy,
      typically formatted as NNN-NNNN-XNN where N is numeric and X is alphabetic.
    related:
      - Policy
      - Insured
      - Coverage

  - term: RentersInsurance
    definition: >-
      An insurance policy that protects tenants from financial loss due to damage
      or theft of personal property, personal liability for accidents, and additional
      living expenses if the rental unit becomes uninhabitable.
    related:
      - PersonalProperty
      - Liability
      - Deductible

  - term: PersonalProperty
    definition: >-
      Movable items owned by the policyholder that are covered under a renters or
      homeowners insurance policy, including furniture, electronics, clothing, and
      other personal possessions.
    related:
      - Coverage
      - Limit
      - Replacement Cost

  - term: Liability
    definition: >-
      Coverage that protects the policyholder from financial responsibility for
      bodily injury or property damage accidentally caused to others, including
      legal defense costs.
    related:
      - PersonalLiability
      - MedicalPayments
      - Umbrella

  - term: Deductible
    definition: >-
      The amount the policyholder must pay out of pocket before State Farm pays
      a covered claim. Higher deductibles generally result in lower premiums.
    related:
      - Premium
      - Claim
      - Coverage

  - term: Premium
    definition: >-
      The amount paid to State Farm for insurance coverage, typically quoted
      on monthly or annual basis. Premium is determined by coverage levels,
      deductible, location, and other risk factors.
    related:
      - Deductible
      - Policy
      - PaymentFrequency

  - term: EmbeddedInsurance
    definition: >-
      Insurance products offered directly within a partner platform's workflow,
      allowing customers to obtain coverage without navigating to a separate
      insurance website. State Farm's Partner Gateway enables embedded insurance.
    related:
      - PartnerGateway
      - API
      - QuoteAndBind

  - term: PartnerGateway
    definition: >-
      State Farm's developer platform (developer.statefarm.com) that provides
      APIs enabling third-party partners to integrate State Farm insurance
      products into their own applications and workflows.
    related:
      - API
      - EmbeddedInsurance
      - OAuth2

  - term: QuoteAndBind
    definition: >-
      The end-to-end process of requesting a premium quote for insurance coverage
      and subsequently binding that coverage into an active policy. A key workflow
      enabled by the State Farm Partner Gateway API.
    related:
      - Quote
      - Policy
      - PartnerGateway

  - term: AdditionalInterest
    definition: >-
      A party listed on an insurance policy who has a financial interest in the
      covered property, such as a landlord, mortgage lender, or property management
      company. Also called an Additional Insured or Loss Payee depending on context.
    related:
      - Policy
      - Landlord
      - Lender

  - term: AdditionalLivingExpenses
    definition: >-
      Coverage that pays for temporary housing and increased living costs if the
      insured rental unit becomes uninhabitable due to a covered loss. A standard
      component of renters insurance.
    related:
      - RentersInsurance
      - Coverage
      - Claim

  - term: ForwardColateralInsurance
    definition: >-
      Insurance obtained by a lender when the borrower fails to maintain required
      coverage on financed property. State Farm's B2B API helps lenders verify
      existing coverage to avoid force-placed insurance costs.
    related:
      - Lender
      - B2BPortal
      - PolicyVerification

  - term: IdentityRestoration
    definition: >-
      Optional add-on coverage that helps policyholders recover from identity theft
      by covering the costs of restoring their identity, including legal fees,
      credit monitoring, and resolution assistance.
    related:
      - RentersInsurance
      - OptionalCoverage

  - term: MutualCompany
    definition: >-
      An insurance company owned by its policyholders rather than shareholders.
      State Farm Mutual Automobile Insurance Company is a mutual company, meaning
      profits benefit policyholders through competitive rates and dividends.
    related:
      - StateForm
      - Policyholder