insurance-shop-property-and-auto

insurance-shop-property-and-auto

Trigger phrases:

• "shop my auto insurance"
• "shop my home insurance"
• "compare auto quotes"
• "find a better rate on home"

Cadence: Triggered by renewal watch or on-demand. Recommended every 2-3 years per policy at minimum.

What It Does

Auto and property insurance has 30-50% premium variance between carriers for identical coverage. New-customer pricing is almost always better than renewal pricing. The friction is gathering apples-to-apples quotes — same limits, same deductibles, same endorsements. This op removes that friction.

What it produces:

• A quote sheet (one row per carrier) with the user's exact current coverage parameters: liability limits, collision/comprehensive deductibles, dwelling coverage, personal property coverage, deductible, endorsements, named insureds.
• A list of 3-5 carriers to quote, drawn from a configurable carrier pool (auto: e.g. Progressive, GEICO, State Farm, Allstate, USAA, Liberty Mutual, Nationwide; property: same set plus regional mutuals).
• Step-by-step quote-gathering script: which carrier site to visit, what info to have ready, what to record.
• Decision framework: when a quote >10% lower than current is found, what to verify before switching (financial strength rating, claims-handling reputation, coverage-match check).

Steps

1. Identify the policy line(s) being shopped (auto, home, renters, landlord).
2. Read the current policy record from vault/insurance/00_current/policies/.
3. Compile the quote sheet template at vault/insurance/02_briefs/quote-shop-{policy-line}-{YYYY-MM}/quote-sheet.md.
4. Pull the configured carrier list for that policy line from vault/insurance/config.md.
5. Generate per-carrier quote-gathering instructions (URL, expected fields, what to bring).
6. Optionally call app-insurance-portal.portal to retrieve any prior quote saved in a carrier portal.
7. As the user enters each carrier's quote, append to the quote sheet.
8. After ≥3 quotes collected: produce comparison summary (premium, coverage match, recommended action).
9. Call task-update-open-loops to record the shopping cycle and any switch decision.

Configuration

vault/insurance/config.md:

• auto_carriers_to_quote — list (default: 4-5 major carriers in the user's state)
• property_carriers_to_quote — list
• current_carriers_to_exclude — to avoid quoting yourself

Scope Notes

• Renters: This op runs for renters policies. Skips dwelling-coverage fields and property-replacement-cost steps.
• Auto-only or property-only households: This op runs per policy line; if the user has only one, only one is shopped.

Error Handling

• Coverage parameters missing in policy record: Prompt user to run flow-sync-policy-docs first.
• <3 carriers configured: Use defaults; warn that quote depth is limited.

Vault Paths

• Reads: ~/Documents/aireadylife/vault/insurance/00_current/policies/, ~/Documents/aireadylife/vault/insurance/config.md
• Writes: ~/Documents/aireadylife/vault/insurance/02_briefs/quote-shop-{policy-line}-{YYYY-MM}/