Version: 1.0.3

Husforsikring (Home Insurance)

Work in Progress

This documentation is under development and may be updated.

API Documentation for Home Insurance integration with the Consumer Council's insurance service.

Request from Consumer Council

When the Consumer Council sends a request to the insurance company, it will be in JSON format. This request contains information about the person to be insured, as well as details about the home to be insured.

Example Request

{
    "id": "f7a28936-8a58-49a5-a989-76c8a752dbdf",
    "person": {
        "pid": "01019612345",
        "firstName": "Ole",
        "lastName": "Nordmann",
        "addresses": [
            {
                "source": "National Registry",
                "streetName": "Ole Nordmanns Gate 1",
                "postalCode": "0123",
                "postalLocation": "OSLO"
            }
        ],
        "memberships": [
            {
                "membershipId": "MEMB-001",
                "membershipName": "Tekna"
            }
        ]
    },
    "offerRequest": [
        {
            "id": "haus-123456",
            "type": "hus",
            "data": {
                "id": "hus-tjorvagen-12",
                "coverage": "standard",
                "addons": ["vannstopper", "sopp_og_råte", "naturskade"],
                "residence": [
                    {
                        "address": {
                            "source": "National Registry",
                            "streetName": "Tjorvågen 12",
                            "postalCode": "4352",
                            "postalLocation": "KLEPPE"
                        },
                        "bathroom": {
                            "totalBathrooms": "2",
                            "oldestLastRenovated": "2019",
                            "olderThanFiftyYears": false
                        },
                        "basement": {
                            "present": true,
                            "arealLiving": "45",
                            "totalRooms": "2"
                        },
                        "fireAlarm": {
                            "present": true,
                            "fgApproved": true
                        },
                        "water": {
                            "waterAlarm": {
                                "present": true,
                                "fgApproved": true,
                                "automaticResponseAlarm": false
                            },
                            "stopper": {
                                "present": true,
                                "automatic": true,
                                "fgApproved": true
                            },
                            "waterCheckLastFiveYears": true,
                            "checkValve": true,
                            "pipeInPipe": true,
                            "pipesLastRenovated": "2019"
                        },
                        "burglarAlarm": {
                            "present": true,
                            "fgApproved": true
                        },
                        "electric": {
                            "passedInspection": true,
                            "inspectedWithThermography": true,
                            "lastInspected": "2022",
                            "lastRenovated": "2019",
                            "automaticCircuitBreaker": true
                        },
                        "renovation": {
                            "renovated": true,
                            "roofAngle": "38",
                            "roofCondition": true,
                            "oldestRoofSection": "2015",
                            "buildingStandard": "god",
                            "buildingCondition": "meget_god",
                            "needsRehab": false
                        },
                        "damages": {
                            "totalLastThreeYears": "0",
                            "pest": "0",
                            "otherDamages": "0",
                            "deductibleFromDamage": "0",
                            "waterDamage": "0",
                            "buildingMoistureProblem": false
                        },
                        "type": "enebolig",
                        "inhabited": true,
                        "inhabitedByOwner": true,
                        "pant": true,
                        "fullValue": "4500000",
                        "constructionYear": "1995",
                        "listed": false,
                        "buildingMaterial": "tre",
                        "totalUnits": "1",
                        "rentingStatus": false,
                        "partiallyRented": false,
                        "totalRentedUnits": "0",
                        "rentedToFamily": false,
                        "rentedToBusiness": false,
                        "Areal": "180",
                        "usedAreal": "180",
                        "livedSpacedAreal": "135",
                        "notLivedSpacesAreal": "45",
                        "moreThan50PercentEmpty": false,
                        "stoveGuard": true,
                        "totalResidents": "4"
                    }
                ]
            }
        }
    ],
    "requestAt": "2024-10-16T12:06:00Z"
}

Request Field Descriptions

Root Level Fields

Field	Type	Description
`id`	string	The unique ID for the request
`requestAt`	string	The date and time when the request was sent

Person Object

Field	Type	Description
`pid`	string	The personal identification number of the person to be insured. Example: `"01019612345"`
`firstName`	string	The first name of the person to be insured. Example: `"Ole"`
`lastName`	string	The last name of the person to be insured. Example: `"Nordmann"`
`addresses`	array	Information about the address of the person to be insured
`memberships`	array	Information about various memberships of the person to be insured

Address Object

Field	Type	Description
`source`	string	Source of the address. Example: `"National Registry"`
`streetName`	string	Street name of the address. Example: `"Ole Nordmanns Gate 1"`
`postalCode`	string	Postal code of the address. Example: `"0123"`
`postalLocation`	string	Postal location of the address. Example: `"OSLO"`

Membership Object

Field	Type	Description
`membershipId`	string	The ID of the membership. Example: `"MEMB-001"`
`membershipName`	string	The name of the membership. Example: `"Tekna"`

Offer Request Object

Field	Type	Description
`id`	string	The unique ID for the offer request. Example: `"haus-123456"`
`type`	string	Type of product. Value: `"hus"`
`data`	object	Data for the offer

Offer Data Object

Field	Type	Description
`id`	string	Unique identifier for the home. Example: `"hus-tjorvagen-12"`
`coverage`	string	Coverage level for the insurance. Values: `"standard"`, `"pluss"`, `"ekstra"`
`addons`	array	Additional services. Example: `["vannstopper", "sopp_og_råte", "naturskade"]`
`residence`	array	Array of residence information objects

Residence Object

The residence object contains detailed information about the property to be insured.

Property Address

Field	Type	Description
`address.source`	string	Source of the address. Example: `"National Registry"`
`address.streetName`	string	Street name. Example: `"Tjorvågen 12"`
`address.postalCode`	string	Postal code. Example: `"4352"`
`address.postalLocation`	string	Postal location. Example: `"KLEPPE"`

Basic Property Information

Field	Type	Description
`type`	string	Type of housing. Example: `"enebolig"`
`inhabited`	boolean	Whether the home is inhabited
`inhabitedByOwner`	boolean	Whether the home is inhabited by the owner
`pant`	boolean	Whether there is a mortgage on the property
`fullValue`	string	Full value of the property in NOK. Example: `"4500000"`
`constructionYear`	string	Year the building was constructed. Example: `"1995"`
`listed`	boolean	Whether the building is listed/heritage protected
`buildingMaterial`	string	Main building material. Values: `"tre"`, `"mur"`, `"betong"`
`totalUnits`	string	Total number of units in the building. Example: `"1"`
`totalResidents`	string	Total number of residents. Example: `"4"`
`stoveGuard`	boolean	Whether a stove guard is installed

Area Information

Field	Type	Description
`Areal`	string	Total area in square meters. Example: `"180"`
`usedAreal`	string	Usable area in square meters. Example: `"180"`
`livedSpacedAreal`	string	Living space area in square meters. Example: `"135"`
`notLivedSpacesAreal`	string	Non-living space area in square meters. Example: `"45"`
`moreThan50PercentEmpty`	boolean	Whether more than 50% of the property is empty

Rental Information

Field	Type	Description
`rentingStatus`	boolean	Whether the property is being rented out
`partiallyRented`	boolean	Whether the property is partially rented
`totalRentedUnits`	string	Number of rented units. Example: `"0"`
`rentedToFamily`	boolean	Whether rented to family members
`rentedToBusiness`	boolean	Whether rented for business purposes

Bathroom Object

Field	Type	Description
`totalBathrooms`	string	Total number of bathrooms. Example: `"2"`
`oldestLastRenovated`	string	Year the oldest bathroom was last renovated. Example: `"2019"`
`olderThanFiftyYears`	boolean	Whether any bathroom is older than 50 years

Basement Object

Field	Type	Description
`present`	boolean	Whether the building has a basement
`arealLiving`	string	Living area in basement in square meters. Example: `"45"`
`totalRooms`	string	Total number of rooms in basement. Example: `"2"`

Fire Alarm Object

Field	Type	Description
`present`	boolean	Whether a fire alarm is installed
`fgApproved`	boolean	Whether the fire alarm is FG-approved

Water Object

The water object contains information about water-related safety measures.

Water Alarm

Field	Type	Description
`waterAlarm.present`	boolean	Whether a water alarm is installed
`waterAlarm.fgApproved`	boolean	Whether the water alarm is FG-approved
`waterAlarm.automaticResponseAlarm`	boolean	Whether the alarm has automatic emergency response

Water Stopper

Field	Type	Description
`stopper.present`	boolean	Whether a water stopper is installed
`stopper.automatic`	boolean	Whether the stopper automatically shuts off water
`stopper.fgApproved`	boolean	Whether the stopper is FG-approved

Pipes and Plumbing

Field	Type	Description
`waterCheckLastFiveYears`	boolean	Whether a water check was performed in the last 5 years
`checkValve`	boolean	Whether a check valve/backflow preventer is installed
`pipeInPipe`	boolean	Whether pipe-in-pipe system is installed
`pipesLastRenovated`	string	Year the pipes were last renovated. Example: `"2019"`

Burglar Alarm Object

Field	Type	Description
`present`	boolean	Whether a burglar alarm is installed
`fgApproved`	boolean	Whether the burglar alarm is FG-approved

Electric Object

Field	Type	Description
`passedInspection`	boolean	Whether the electrical system passed inspection
`inspectedWithThermography`	boolean	Whether inspected with thermography
`lastInspected`	string	Year of last inspection. Example: `"2022"`
`lastRenovated`	string	Year of last electrical renovation. Example: `"2019"`
`automaticCircuitBreaker`	boolean	Whether automatic circuit breaker is installed

Renovation Object

Field	Type	Description
`renovated`	boolean	Whether the home has been renovated
`roofAngle`	string	Roof angle in degrees. Example: `"38"`
`roofCondition`	boolean	Whether the roof is in good condition
`oldestRoofSection`	string	Year of oldest roof section. Example: `"2015"`
`buildingStandard`	string	Building standard. Values: `"lav"`, `"god"`, `"høy"`
`buildingCondition`	string	Building condition. Values: `"dårlig"`, `"god"`, `"meget_god"`
`needsRehab`	boolean	Whether the building needs rehabilitation

Damages Object

Field	Type	Description
`totalLastThreeYears`	string	Total damages in the last 3 years. Example: `"0"`
`pest`	string	Number of pest damages. Example: `"0"`
`otherDamages`	string	Number of other damages. Example: `"0"`
`deductibleFromDamage`	string	Deductible from damage. Example: `"0"`
`waterDamage`	string	Number of water damages. Example: `"0"`
`buildingMoistureProblem`	boolean	Whether there are moisture problems in the building

Response from Insurance Company

This is a description of how the response from the insurance company should be structured.

Example Response

{
    "id": "string",
    "company": "string",
    "totalPrice": 0,
    "totalDiscount": 0,
    "totalOriginalPrice": 0,
    "discountDescription": "string",
    "products": [
        {
            "id": "string",
            "type": "hus",
            "productName": "string",
            "prices": {
                "price": 0,
                "discount": 0,
                "originalPrice": 0,
                "tfa": 0.0
            },
            "productDetails": {
                "coverage": "string",
                "ipidUrls": [
                    {
                        "url": "string"
                    }
                ],
                "termsUrls": [
                    {
                        "url": "string"
                    }
                ]
            },
            "offer": {
                "fullValue": "string",
                "deductible": 0,
                "additionalCoverage": ["string"]
            }
        }
    ],
    "purchaseUrl": "string",
    "receivedAt": "string",
    "responseAt": "string"
}

Response Field Descriptions

Root Level Fields

Field	Type	Description
`id`	string	The unique ID for the request
`company`	string	The name of the insurance company. Example: `"Forsikringsselskap"`
`totalPrice`	number	Total price for all products after discount. Example: `5200`
`totalDiscount`	number	Total discount for all products. Example: `350`
`totalOriginalPrice`	number	Total original price for all products before discount. Example: `5550`
`discountDescription`	string	Description of the discount. Example: `"Medlemsrabatt og boligrabatt"`

Products Array

Field	Type	Description
`id`	string	The unique ID for the product. Example: `"hus-123456"`
`type`	string	Type of product. Value: `"hus"`
`productName`	string	The name of the product. Example: `"Husforsikring Standard"`

Prices Object

Field	Type	Description
`price`	number	Price for the product after discount. Example: `5200`
`discount`	number	Discount for the product. Example: `350`
`originalPrice`	number	Original price for the product before discount. Example: `5550`
`tfa`	number	TFA fee for the product. Example: `0.0`

Product Details Object

Field	Type	Description
`coverage`	string	Coverage for the product. Example: `"standard"`
`ipidUrls`	array	List of URLs to IPID documents
`termsUrls`	array	List of URLs to terms and conditions

IPID/Terms URL Object

Field	Type	Description
`url`	string	URL to the document. Example: `"https://example.com/ipid-hus.pdf"`

Offer Object

Field	Type	Description
`fullValue`	string	Full value for the home. Example: `"4500000"`
`deductible`	number	Deductible for the product. Example: `8000`
`additionalCoverage`	array	Extra coverage included. Example: `["vannstopper", "sopp_og_råte", "naturskade"]`

Additional Response Fields

Field	Type	Description
`purchaseUrl`	string	URL for purchasing the products. Example: `"https://example.com/purchase/hus"`
`receivedAt`	string	Time when the request was received. Example: `"2024-10-16 12:06:00"`
`responseAt`	string	Time when the response was sent. Example: `"2024-10-16T12:06:30Z"`

Allowed Values

Coverage Levels

Value	Description
`standard`	Standard coverage
`pluss`	Plus coverage
`ekstra`	Extra coverage

Building Types

Value	Description
`enebolig`	Detached house
`tomannsbolig`	Duplex
`rekkehus`	Townhouse
`leilighet`	Apartment

Building Materials

Value	Description
`tre`	Wood
`mur`	Brick
`betong`	Concrete

Building Standard

Value	Description
`lav`	Low standard
`god`	Good standard
`høy`	High standard

Building Condition

Value	Description
`dårlig`	Poor condition
`god`	Good condition
`meget_god`	Very good condition

Available Addons

Value	Description
`vannstopper`	Water stopper coverage
`sopp_og_råte`	Mold and rot coverage
`naturskade`	Natural disaster coverage

Error Handling

In case of errors, the company should respond with an appropriate HTTP status code and the following body:

{
    "error": {
        "code": "string",
        "message": "string"
    }
}

See Car Insurance Error Handling for the list of error codes.

Request from Consumer Council​

Example Request​

Request Field Descriptions​

Root Level Fields​

Person Object​

Address Object​

Membership Object​

Offer Request Object​

Offer Data Object​

Residence Object​

Property Address​

Basic Property Information​

Area Information​

Rental Information​

Bathroom Object​

Basement Object​

Fire Alarm Object​

Water Object​

Water Alarm​

Water Stopper​

Pipes and Plumbing​

Burglar Alarm Object​

Electric Object​

Renovation Object​

Damages Object​

Response from Insurance Company​

Example Response​

Response Field Descriptions​

Root Level Fields​

Products Array​

Prices Object​

Product Details Object​

IPID/Terms URL Object​

Offer Object​

Additional Response Fields​

Allowed Values​

Coverage Levels​

Building Types​

Building Materials​

Building Standard​

Building Condition​

Available Addons​

Error Handling​

Request from Consumer Council

Example Request

Request Field Descriptions

Root Level Fields

Person Object

Address Object

Membership Object

Offer Request Object

Offer Data Object

Residence Object

Property Address

Basic Property Information

Area Information

Rental Information

Bathroom Object

Basement Object

Fire Alarm Object

Water Object

Water Alarm

Water Stopper

Pipes and Plumbing

Burglar Alarm Object

Electric Object

Renovation Object

Damages Object

Response from Insurance Company

Example Response

Response Field Descriptions

Root Level Fields

Products Array

Prices Object

Product Details Object

IPID/Terms URL Object

Offer Object

Additional Response Fields

Allowed Values

Coverage Levels

Building Types

Building Materials

Building Standard

Building Condition

Available Addons

Error Handling