Which of the following must a client confirm when applying for insurance on the Eligibility statement?

When applying for insurance, the eligibility statement is a critical part of the process where the client must confirm essential details about the property in question. One of the primary objectives of the eligibility statement is to ensure that the client is securing insurance coverage for a property that meets the insurer's criteria.

Confirming that the property is the client's main residence is crucial because insurers typically tailor policies based on the type of occupancy. A primary residence often qualifies for standard homeowners insurance, which generally includes comprehensive coverage options. In contrast, a second home or a property under construction may present different risks and underwriting considerations, potentially requiring specialized or less favorable coverage options.

Moreover, a property being empty for more than 30 days could lead to heightened risks in terms of theft or damage, resulting in specific exclusions or additional coverage requirements. Hence, the emphasis on the property being the main residence aligns with common insurance practices that cater to lower-risk scenarios and provide clients with the most appropriate coverage.

Understanding this confirmation helps both the insurer and the insured align their expectations and ensures that the terms of the insurance policy reflect the actual living conditions associated with the property.