Quotor — Home & Auto Insurance Quotes

{'type': 'object', 'required': ['product'], 'properties': {'intent': {'enum': ['quote', 'bind'], 'type': 'string', 'default': 'quote', 'description': "Whether you're checking ability to 'quote' or to 'bind' (default 'quote')."}, 'product': {'enum': ['auto', 'home', 'bundle'], 'type': 'string', 'description': "Line of business: 'auto', 'home', or 'bundle' (home + auto)."}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'state': {'type': ['string', 'null']}, 'can_bind': {'type': 'boolean'}, 'can_quote': {'type': 'boolean'}, 'next_step': {'type': 'string'}, 'explanation': {'type': 'string'}}, 'description': "Whether quoting/binding is available for the customer's state + product.", 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id'], 'properties': {'quote_id': {'type': 'string', 'description': 'The quote session id to check for late-arriving carrier rates.'}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'new_options': {'type': 'array'}}, 'description': 'Any carrier rates that arrived after the first response.', 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id'], 'properties': {'quote_id': {'type': 'string', 'description': 'The quote session id to poll.'}, 'max_options': {'type': 'integer', 'default': 3, 'maximum': 5, 'minimum': 1, 'description': 'Maximum options to return per line (1-5, default 3).'}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'needs': {'type': ['object', 'null']}, 'status': {'type': 'string'}, 'options': {'type': 'array'}, 'quote_id': {'type': 'string'}, 'progress_pct': {'type': 'integer'}, 'carrier_names_revealed': {'type': 'boolean'}}, 'description': "Live rating status plus masked options (carriers hidden until the bind step). Status 'needs_data' means the customer must supply the fields in `needs.prompts` (apply via update_quote, then re-run get_quote_options).", 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id', 'option_id'], 'properties': {'quote_id': {'type': 'string', 'description': 'Quote whose saved customer email will receive the secure link.'}, 'option_id': {'type': 'string', 'description': 'Selected option to include on the secure bind-request page.'}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'bind_url': {'type': 'string'}, 'quote_id': {'type': 'string'}, 'option_id': {'type': 'string'}, 'expires_at': {'type': 'string'}, 'carrier_name': {'type': 'string'}}, 'description': 'Secure, single-use bind hand-off link — the only place a real carrier name appears.', 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id', 'option_id'], 'properties': {'quote_id': {'type': 'string', 'description': 'The quote session id.'}, 'option_id': {'type': 'string', 'description': "The option to detail, e.g. 'opt_home_a' from get_quote_options."}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'coverages': {'type': 'object'}, 'premium_annual': {'type': ['number', 'null']}, 'premium_monthly': {'type': ['number', 'null']}}, 'description': 'Full coverage + premium breakdown for one option (carrier still masked).', 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id'], 'properties': {'quote_id': {'type': 'string', 'description': 'The quote session id returned by start_quote.'}, 'max_options': {'type': 'integer', 'default': 3, 'maximum': 5, 'minimum': 1, 'description': 'Maximum options to return per line (1-5, default 3).'}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'status': {'type': 'string'}, 'message': {'type': 'string'}, 'quote_id': {'type': 'string'}, 'expected_seconds': {'type': 'integer'}}, 'description': 'Acknowledges the rate run started; poll check_quote_status for the option cards.', 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id'], 'properties': {'pay_plan': {'enum': ['monthly_eft', 'pay_in_full'], 'type': 'string', 'description': "Pay plan: 'monthly_eft' or 'pay_in_full' (required when an auto line is included)."}, 'quote_id': {'type': 'string', 'description': 'The quote session id.'}, 'best_time': {'type': 'string', 'description': "Best time to reach the customer, e.g. 'weekday afternoons'."}, 'option_id': {'type': 'string', 'description': 'The single option to bind (or use option_ids for a bundle/split).'}, 'option_ids': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Multi-option bind. Either option_id or option_ids must be provided.'}, 'contact_pref': {'enum': ['call', 'text', 'email'], 'type': 'string', 'description': "How the customer prefers to be reached: 'call', 'text', or 'email'."}, 'customer_notes': {'type': 'string', 'description': 'Optional free-text notes from the customer for the agent.'}, 'water_selections': {'type': 'object', 'properties': {'service_line': {'type': 'boolean', 'description': 'Include the service-line water add-on.'}, 'sewer_backup': {'type': 'boolean', 'description': 'Include the sewer / water-backup add-on.'}, 'water_seepage': {'type': 'boolean', 'description': 'Include the water-seepage & leakage add-on.'}, 'foundation_water': {'type': 'boolean', 'description': 'Include the foundation-water-damage add-on.'}}, 'description': 'Customer-selected water-coverage add-ons for home options (service line, water seepage, foundation water, sewer backup); the agent configures these at the carrier portal at bind.', 'additionalProperties': False}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'bind_url': {'type': 'string'}, 'quote_id': {'type': 'string'}}, 'description': 'Files a routed bind request to the matched agency and returns a bind link.', 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id'], 'properties': {'quote_id': {'type': 'string', 'description': 'The quote session id to resume.'}, 'verification': {'type': 'object', 'properties': {'code': {'type': 'string', 'description': 'The verification code (for the email_code method).'}, 'token': {'type': 'string', 'description': 'The verification token (for the magic_link method).'}, 'method': {'enum': ['email_code', 'platform_identity', 'magic_link'], 'type': 'string', 'description': 'Verification method: email code, platform-identity header, or magic-link token.'}}, 'description': 'Ownership verification (email code, platform identity, or magic link); required to return PII.', 'additionalProperties': False}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'status': {'type': 'string'}, 'quote_id': {'type': 'string'}, 'verification_required': {'type': 'boolean'}}, 'description': 'Resumed quote status (PII only on a verified call).', 'additionalProperties': True}

{'type': 'object', 'required': ['product'], 'properties': {'product': {'enum': ['auto', 'home', 'bundle'], 'type': 'string', 'description': "Line of business to quote: 'auto', 'home', or 'bundle'."}, 'meta_codes': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Optional internal meta codes; ignored unless recognized.'}, 'referral_source': {'type': 'string', 'description': 'Optional referral/partner source tag for attribution.'}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'quote_id': {'type': 'string'}, 'session_expires_at': {'type': 'string'}, 'next_required_inputs': {'type': 'array', 'items': {'type': 'string'}}}, 'description': 'The opened quote session.', 'additionalProperties': True}

{'type': 'object', 'required': ['interest'], 'properties': {'email': {'type': 'string', 'description': 'Customer email.'}, 'notes': {'type': 'string', 'description': 'Optional notes for the follow-up.'}, 'phone': {'type': 'string', 'description': 'Customer phone number.'}, 'interest': {'type': 'string', 'description': "What the customer wants us to follow up about (e.g. 'renters insurance', 'life insurance', 'commercial auto')"}, 'quote_id': {'type': 'string', 'description': 'Optional quote id to associate the lead with.'}, 'last_name': {'type': 'string', 'description': 'Customer last name.'}, 'first_name': {'type': 'string', 'description': 'Customer first name.'}, 'preferred_contact_time': {'type': 'string', 'description': "e.g. 'weekday afternoons', 'after 5pm', 'tomorrow morning'"}, 'preferred_contact_method': {'enum': ['phone', 'email', 'text', 'any'], 'type': 'string', 'description': "How the customer prefers to be reached: 'phone', 'email', 'text', or 'any'."}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'ok': {'type': 'boolean'}}, 'description': 'Lead-capture acknowledgement.', 'additionalProperties': True}

{'type': 'object', 'required': ['quote_id', 'patch'], 'properties': {'patch': {'type': 'object', 'description': "Free-form patch onto the quote. Top-level branches: pni, drivers[], vehicles[], property, coverages, discounts, policy_terms, prior_insurance, has_mortgagee, mortgage_billed_by_lender, mortgagee, is_new_purchase, current_address (only when is_new_purchase=true — customer's address TODAY; property.address remains the home being insured), follow_ups[] (post-bind follow-up flags: {interest, note} — scheduled valuables like jewelry/art, umbrella interest, etc.; recorded for the licensed team, NEVER added to the in-flight quote). See the override matrix in the Libertas MCP docs for the full overridable field list.", 'additionalProperties': True}, 'quote_id': {'type': 'string', 'description': 'The quote session id returned by start_quote.'}, 'meta_codes': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Optional internal meta codes; ignored unless recognized.'}}, 'additionalProperties': False}

{'type': 'object', 'properties': {'applied': {'type': 'array', 'items': {'type': 'string'}}, 'quote_id': {'type': 'string'}, 'rejected': {'type': 'array'}, 'completeness': {'type': 'number'}, 'ready_to_quote': {'type': 'boolean'}}, 'description': 'Which fields were applied and whether the quote is ready to rate.', 'additionalProperties': True}