AI Prompts for Insurance Policy Explanations

Explain the difference between HO-3 and HO-5 homeowners insurance policies in simple, client-friendly language. Requirements: - Use a comparison format (table or side-by-side) - Explain what each covers and doesn't cover - Use real-world examples for each difference - Avoid insurance jargon — if you must use a term, define it immediately - Recommend which is better for a homeowner with high-value personal property (jewelry, art, electronics) - Keep it under 200 words

Explain how homeowners insurance deductibles work to a first-time homebuyer in simple language. Cover these topics: - What a deductible is and how it works in a claim - The difference between a flat dollar deductible ($1,000, $2,500) vs a percentage deductible (2% of dwelling coverage) - How choosing a higher deductible affects their premium - A real-world example: "If you have a $2,500 deductible and a $15,000 water damage claim, you pay $2,500 and insurance pays $12,500" - My recommendation for most homeowners Requirements: - Under 180 words, conversational tone - Use a concrete dollar example

Create a client-friendly summary of what a standard homeowners insurance policy (HO-3) does NOT cover. Format as a clear list with: - The exclusion (e.g., "Flood damage") - A one-sentence explanation of why it's excluded - The solution (e.g., "Purchase separate flood insurance through NFIP or a private carrier") Include these common exclusions: Flood, earthquake, sewer backup, mold (unless from a covered peril), normal wear and tear, pest damage, home-based business liability, breed-specific dog liability Requirements: - Under 250 words - Use simple language — avoid policy legalese - End with: "Want to make sure you're fully protected? Let's review your policy together."

Explain auto insurance liability limits (100/300/100) to a client in plain English. Break down: - What each number means (bodily injury per person / bodily injury per accident / property damage) - A real-world scenario showing how each limit applies - Why state minimum limits are usually not enough - What happens if damages exceed their limits - My recommendation for adequate coverage levels Requirements: - Under 200 words - Use a specific accident scenario as an example - Conversational, not textbook

Explain the difference between replacement cost and actual cash value (ACV) coverage to a homeowner. Use this example: - A 5-year-old roof that cost $15,000 to install is damaged by a storm - Show what each type of coverage pays out - Explain which is better and why - Mention the cost difference is usually only 10-15% more in premium Requirements: - Under 150 words - Include specific dollar amounts in the example - Clear recommendation at the end

Create a "Commercial Insurance 101" summary for a new small business owner who has never had business insurance. Cover these policies in simple terms: - General Liability (CGL) — what it covers, who needs it - Business Owners Policy (BOP) — what it bundles, why it saves money - Workers' Compensation — when it's required, what it covers - Professional Liability (E&O) — who needs it and why - Commercial Auto — when personal auto isn't enough For each: - One sentence explaining what it is - One real-world example of when it kicks in - Typical cost range Requirements: - Under 300 words total - Conversational, supportive tone — don't overwhelm them - End with: "Starting a business is exciting — let me help you protect it."