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Grok+17 agentsInsurance Policy Decoder: What's Actually Covered?
Decode a home, renters or auto policy into what it pays in real scenarios, what's excluded, and the payout math.
$5
Insurance Policy Decoder: What's Actually Covered?
Example session with this skill installed
Homeowners policy, house insured for $380,000 dwelling, $190,000 contents on actual cash value, $2,500 standard deductible but a 2% wind/hail deductible, jewellery sublimit $1,500, water damage 'excludes sewer or drain backup and surface water', liability $300,000. We're in Florida, have about $8,000 of jewellery, and the roof is 14 years old. Decode this.
- Read your context and instructions
- Compiled the insurance policy decoder
Policy Decode: homeowners — Florida, current policy period
1. The verdict
Three findings change what you think you have. First, your wind/hail deductible is $7,600, not $2,500, and in Florida wind is the claim you're most likely to make. Second, contents are on actual cash value, so a total loss on $190,000 of belongings pays out substantially less after depreciation. Third, $8,000 of jewellery against a $1,500 sublimit leaves $6,500 uncovered unless scheduled.
2. Coverage decode
| Coverage line | Limit / basis | What it pays in a real scenario | Severity |
|---|---|---|---|
| Dwelling | $380,000 | Hurricane roof loss of $30,000: pays $22,400 after the 2% wind deductible | 🟡 |
| Contents | $190,000, ACV | A 6-year-old $2,000 sofa destroyed: pays perhaps $600–$900, not $2,000 | 🔴 |
| Jewellery | $1,500 sublimit | Theft of $8,000 of jewellery: pays $1,500 | 🔴 |
| Water damage | Excludes sewer/drain backup and surface water | A backed-up drain flooding the ground floor: pays $0 | 🔴 |
| Liability | $300,000 | A guest injury claim: covered to $300,000 | 🟢 |
3. 🚩 Red flags, ranked
- "2% wind/hail deductible" — on $380,000 that's $7,600 per wind event. Gap versus the $2,500 you assumed: $5,100.
- "Contents at actual cash value" — on a total loss, depreciation could remove a third or more of $190,000. Gap: potentially $50,000+.
- "Excludes sewer or drain backup and surface water" — the most common non-storm water claim is uncovered. Gap: whatever the event costs.
- "Jewellery $1,500" — gap $6,500 on your stated $8,000.
- 14-year-old roof — many carriers pay roofs on ACV or apply a roof schedule; check for a roof-payment schedule endorsement.
4. The math section
ACV vs. replacement on contents: $190,000 replacement × ~35% average depreciation ≈
$123,500 payout on a total loss (illustrative). Replacement-cost endorsement typically restores the full $190,000. Deductible reality: standard $2,500; wind $7,600. Sublimits vs. valuables: jewellery $1,500 vs $8,000 → schedule the difference.
5. Questions for the agent
- Price a replacement-cost contents endorsement. (in writing)
- Price scheduling $8,000 of jewellery with appraisals.
- Add sewer/drain backup coverage; what limit and cost?
- Is there a roof-payment schedule or ACV-on-roof endorsement given its age? (in writing)
- Flood is excluded here; what does a separate flood policy cost for this address?
This is a plain-language reading, not legal/financial advice — laws vary by jurisdiction; confirm anything load-bearing with a qualified professional.
Connects securely to your tools. The creator never sees your data.
What you get
About this skill
The problem
People learn what their policy covers on the day they claim. The exclusions, sublimits, percentage deductibles, and actual-cash-value settlements are all in the document, but nobody reads a policy until the roof is off.
What it does
- Decodes each coverage line with a concrete payout scenario.
- Ranks red flags: exclusions that gut headline coverage, sublimits, ACV settlements, percentage deductibles.
- Works the math on your property: ACV vs. replacement cost, the deductible in dollars, sublimits vs. your actual valuables.
- Lists the gaps to price with your agent: flood, sewer backup, scheduled items, replacement-cost endorsement.
- Marks which answers to get in writing.
Why this beats prompting it yourself
A general prompt summarises coverage types. This skill runs each coverage against a scenario you'd actually face, converts every percentage into dollars on your numbers, and flags the three findings that most change what you think you have.
Use cases
- Reviewing a new homeowners policy before the first renewal.
- Checking whether jewellery or electronics are really covered.
- Understanding a 2% hurricane deductible in dollars.
- Comparing two renters policies with different exclusions.
Known limitations
Not legal or financial advice. With only a declarations page it decodes what's visible and lists the exclusion and definition sections still needed, because that's where the reading matters.
How to install
Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.
- 1
Download the ZIP
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- 2
Unzip into your skills folder
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- 3
Ask your agent to use it
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