Compare five homeowner's insurance quotes with ChatGPT and Claude, and learn to check insurers' financial ratings, not BBB
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- by Natasha Hsi (LinkedIn)
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Evidence: Described by posterThe person describes what happened in words, without screenshots or video.
Outcome
Natasha Hsi got five homeowner's insurance quotes for a complicated house. They differed on exclusions, wind and named-storm deductibles, and admitted versus surplus-lines insurers, and Hsi found them hard to follow. They fed all five plus their current renewal into ChatGPT and Claude and ran scenarios such as a hurricane loss and a total loss. When Hsi suggested starting with BBB ratings, both pushed back: BBB tracks complaints, while financial strength ratings show whether an insurer can pay after a storm. Hsi took the questions back to their original agent, who returned a better-structured quote at a more reasonable cost with none of the weakly rated insurers.
Agent
Prompt Recreated prompt
The source didn't share its exact prompt, so we wrote this from what it describes.
Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to. Goal: Compare my home insurance quotes so I understand the real trade-offs, not just the price. Fill in before running: - The quotes and my current renewal: [UPLOAD] - About the house (age, roof, location, flood or wind zone): [DETAILS] Remove policy numbers and your address before uploading quotes. Rules: - Put every quote in one table: premium, dwelling limit, deductibles (all perils, wind, named storm), key exclusions, admitted or surplus lines. - Work out what I'd pay myself in a few scenarios, such as a storm claim, a total loss and a small claim. - Check each insurer's financial strength rating from a rating agency, with a link. - List questions to take back to my agent. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. Output: A comparison table, a scenario table and a short list of questions for my agent. You'll know it worked when: I can explain why I'm choosing one policy, and my agent comes back with a better quote.
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The quotes and my current renewal
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Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to. Goal: Compare my home insurance quotes so I understand the real trade-offs, not just the price. Fill in before running: - The quotes and my current renewal: [UPLOAD] - About the house (age, roof, location, flood or wind zone): [DETAILS] Remove policy numbers and your address before uploading quotes. Rules: - Put every quote in one table: premium, dwelling limit, deductibles (all perils, wind, named storm), key exclusions, admitted or surplus lines. - Work out what I'd pay myself in a few scenarios, such as a storm claim, a total loss and a small claim. - Check each insurer's financial strength rating from a rating agency, with a link. - List questions to take back to my agent. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. Output: A comparison table, a scenario table and a short list of questions for my agent. You'll know it worked when: I can explain why I'm choosing one policy, and my agent comes back with a better quote.
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Optional stronger version
Our rewrite with extra checks. The poster didn't test it.
Run this task now, exactly as written below. Everything you need is here, so start straight away and only stop if something required is missing or a rule below tells you to. Goal: Compare my home insurance quotes so I understand the real trade-offs, not just the price. Fill in before running: - The quotes and my current renewal: [UPLOAD] - About the house (age, roof, location, flood or wind zone): [DETAILS] Remove policy numbers and your address before uploading quotes. You're not my insurance agent or financial adviser: stick to what the quotes say and flag anything I should confirm with a licensed agent. Rules: - Put every quote in one table: premium, dwelling limit, deductibles (all perils, wind, named storm), key exclusions, admitted or surplus lines. - Work out what I'd pay myself in a few scenarios, such as a storm claim, a total loss and a small claim. - Check each insurer's financial strength rating from a rating agency, with a link. - List questions to take back to my agent. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. Output: A comparison table, a scenario table and a short list of questions for my agent. You'll know it worked when: I can explain why I'm choosing one policy, and my agent comes back with a better quote. Before you finish: re-read my goal and constraints, check your answer against each one, and list anything you assumed or couldn't confirm.
Source
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