MCP Server

Quotor — Home & Auto Insurance Quotes

io.github.quotor/home-auto-insurance-quotes
Business & Operations Finance & Investing Public & reachable MCP 2026-07-28

What this MCP does

Collects customer information, retrieves home and auto insurance quotes, compares coverage options, and submits non-binding bind requests.

check_eligibility
Confirm whether Libertas can quote and bind insurance for the customer in their state. Call this first — before collecting any personal details — when the customer asks about insurance prices, switching carriers, or shopping for coverage. State is supplied automatically from the request context (the platform's location consent flow); you don't need to ask the customer for state to call this. Returns whether quoting is available, whether binding is available, and a plain-language explanation the customer can read.
Read only Open world
Input schema
{'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}
Output schema
{'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}
check_late_arrivals
Save-the-sale tool — call when the customer signals dissatisfaction with the current options ("too expensive", "let me think", "what else do you have", "is this the best you can do", "I'll check elsewhere", "can you do better"). Some carriers (Foremost STAR, etc.) run slower than the initial set and may have come back with a better rate while the customer was deliberating. This tool: 1. Pulls a fresh read of all rated carriers. 2. Compares the current cheapest bundle/LOB price to the original first-quoted best. 3. Returns has_improvement=true ONLY if a late carrier beats the original by >= $100/yr OR >= 5% — a threshold meaningful enough to justify interrupting the customer. CALL THIS ONLY WHEN: - check_quote_status has returned 'quoted' at least once (there's a baseline to compare). - The customer just expressed price resistance or hesitation (not a closed positive). - You have NOT called check_late_arrivals in the last 2 turns (don't spam). DO NOT CALL WHEN: - The customer is actively committing ("yeah let's go with A") — that's a close moment, not a wavering moment. - The customer hasn't seen the initial options yet. WHAT TO DO WITH THE RESULT: - has_improvement=true → narrate the improvement naturally ("Quick update — one more carrier just came in $X/yr cheaper. Want me to refresh your options?") and the iframe auto-updates with the new state. - has_improvement=false → acknowledge the customer's concern, pivot to value positioning against the options on the table. Don't bluff a "better one is coming" if it isn't. Use the carriers_still_pending count if relevant ("a couple more carriers are still finalizing in the background — I'll flag if anything comes in lower").
Read only Open world
Input schema
{'type': 'object', 'required': ['quote_id'], 'properties': {'quote_id': {'type': 'string', 'description': 'The quote session id to check for late-arriving carrier rates.'}}, 'additionalProperties': False}
Output schema
{'type': 'object', 'properties': {'new_options': {'type': 'array'}}, 'description': 'Any carrier rates that arrived after the first response.', 'additionalProperties': True}
check_quote_status
Check rating + live-finishing progress. Call between wait-phase questions (every customer turn or two after get_quote_options). Returns one of: - 'running' — indicatives still landing; continue the wait-phase conversation, call again next turn. - 'quoted' — options[] is populated. CHECK THE 'finishing' BLOCK: when finishing.active=true, the exact bindable rates are STILL being captured live at the carrier portals — present the price ranges confidently as honest estimates (the low end is the carrier's own starting figure; NEVER promise the final number can't exceed the range), keep the conversation going, and keep checking on later turns; cards harden to 'verified' automatically as walks complete. When finishing.active=false, the run is over: cards marked 'verified' are exact bindable numbers; anything still 'estimate' stays a range that a licensed agent confirms at bind. - 'timeout' — carriers took too long; offer to retry with get_quote_options. - 'needs_data' — carriers can't rate until the customer supplies the fields in needs.prompts (e.g. a driver's license number, a VIN, or an additional driver's name/date of birth — each prompt says who/what it's for). Ask the customer conversationally, apply the answers with update_quote (the prompt 'field' values are the exact patch paths, e.g. drivers[1].date_of_birth), then call get_quote_options to re-run. Repeat as many times as it takes — this is an ask, NOT a failure. needs may also ride along with 'quoted' when one line rated and the other still needs info. - 'error' — all carriers errored; flag it honestly and offer to retry. Each option carries rate_state ('verified' | 'verifying' | 'estimate') and, for unverified options, price_range {low, high}. NEVER mention carrier counts or real carrier names in chat.
Read only Open world
Input schema
{'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}
Output schema
{'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}
get_bind_link
Generate a single-use secure link, valid for 7 days, and EMAIL it to the customer address already collected in the quote. The tool does the email delivery itself and fails if no valid customer email is on file or Gmail cannot send. Libertas customer texting/SMS is not enabled: this tool does not text and you must never promise a text message. The chat widget will usually render an inline 'Request Bind' card directly — prefer request_bind_inline for the in-chat flow. Use get_bind_link when the customer wants to leave the chat, finish on a different device, or receive their final numbers by email. The bind page reveals the real carrier name (the only place it's revealed).
Open world
Input schema
{'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}
Output schema
{'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}
get_option_details
Pull the full coverage breakdown, deductibles, applied discounts, and payment plan options for a single masked option (Home Carrier A, Auto Carrier B, etc.). Use when the customer wants to dig into a specific quote before deciding. Carrier name remains masked.
Read only
Input schema
{'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}
Output schema
{'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}
get_quote_options
Fire all eligible A-rated carriers in parallel AND kick off live rate-finishing. RETURNS IMMEDIATELY — does NOT wait. TWO STAGES follow: 1. First numbers land in 30–90 seconds. Options surface as honest price RANGES — the low end is the carrier's indicative, so the final verified rate usually lands AT OR BELOW the low end. 2. The system keeps working for 2–10 minutes after that, logging into carrier portals and walking each competitive quote to its exact bindable rate. Option cards harden from "estimated range" to "verified" as each carrier completes. check_quote_status reports this via its 'finishing' block. What you do during the wait: KEEP THE CONVERSATION GOING with the wait-phase playbook in the system prompt (waters first, then current premium — top priority — then claims color, pets, pool, start date, payment preference). Narrate the real finishing work honestly in ONE short line when relevant; never quantify carriers or name them. Call get_quote_options again ONLY if a rating-changing input changes (waters toggle locally — never re-fire for those).
Open world
Input schema
{'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}
Output schema
{'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}
request_bind_inline
Submit the customer's bind request from the chat. Triggers an internal task for our licensed team to follow up. THIS IS NOT INSTANT BIND — no payment is collected and no coverage starts from this call; a licensed agent completes underwriting verification, payment, and carrier confirmation afterward, and the customer can still change or cancel the request. Because this step is non-binding and reversible, the customer's own clear choice ("I'd like to go with Carrier A", "let's do A and A", "I'll take Carrier B") is sufficient confirmation to submit — an additional "are you sure?" prompt is not required, though you should always honor your own platform's confirmation practices. NEVER name a real carrier in chat output — stay in "Carrier A/B/C" labels.
Open world
Input schema
{'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}
Output schema
{'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}
resume_quote
Pick up an existing quote that was started in a previous session or on a different platform. The customer supplies a quote ID. Verification: if the same authenticated user (OAuth user_id matches across sessions), no extra verification is needed; otherwise the customer needs to provide an email code that was sent at quote start. Returns the current status, a summary of what's collected so far, and whether rate options are already available to review.
Read only Open world
Input schema
{'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}
Output schema
{'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}
start_quote
Begin a new home, auto, or bundled insurance quote. Returns a quote ID to use on every following call. Call this when the customer wants to get an insurance price. INTAKE ORDER (Kyle 2026-06-11 — collect in this order, ONE coherent chunk per turn): 1. HOME/BUNDLE: full name + date of birth for EVERYONE on the policy (relationship for non-PNI). 2. Address of the home + "is this a new purchase, or one you've owned a while?" (new purchase → ALSO capture current_address — where they live today; property.address stays the home being bought). Then mortgage + escrow + "roughly how old is the roof? — 'I don't know' is a fine answer" ride along (roof unknown → move on, never probe; roof REPLACED → one follow-up: hail-resistant / Class 1–4? → property.hail_resistant_roof + property.ul_impact_type). The home address doubles as auto garaging unless the cars live elsewhere. 3. AUTO/BUNDLE: year/make/model of every vehicle. 4. Any drivers NOT already named in step 1 — names + DOBs + relationship. 5. Email + phone, framed as "where should I send your final numbers?" — the consent line is REQUIRED on this turn. 6. ONE open question before firing: "Any coverages you want to tell me about before I run it?" Capture whatever they volunteer via update_quote and move on — do NOT turn this into a coverage consultation. Scheduled valuables (jewelry, art, guns, collections) are a POST-BIND follow-up: record them under the follow_ups patch branch and tell the customer "our team will add that right after we get this policy locked" — never try to add them mid-quote. Then call get_quote_options immediately. Don't over-collect — the customer should reach prices fast.
Open world
Input schema
{'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}
Output schema
{'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}
submit_lead
Capture a lead for an insurance product Libertas doesn't quote inline (renters, life, commercial, motorcycle, boat, RV, umbrella, condo, landlord, etc.) — OR any home/auto customer who asks to be contacted later instead of finishing the quote in chat. Creates a row in the CRM Leads bucket so a licensed agent can follow up. CALL THIS WHEN: - The customer asks about an insurance type other than home/auto/bundle, AND has shared a name + email or phone. Confirm with the customer that you're going to have someone reach out, then call this tool. - The customer says "have someone call me later" or similar even on a home/auto inquiry. - The customer mentions an unusual circumstance and wants a human follow-up. DO NOT CALL WHEN: - The customer is still actively answering questions in the home/auto intake flow — keep going through the regular intake. - You don't have any contact info yet — ask for name + email/phone first. What it does: writes a Leads row tagged with the line of interest, contact info, preferred follow-up time, and any notes you supply. A licensed Libertas agent will reach out within one business day. Returns a confirmation message you can paraphrase to the customer ("you're on our list — someone from the team will reach out about [interest]").
Open world
Input schema
{'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}
Output schema
{'type': 'object', 'properties': {'ok': {'type': 'boolean'}}, 'description': 'Lead-capture acknowledgement.', 'additionalProperties': True}
update_quote
Set or refine any quote parameter except regulated enrichment fields (credit score, MVR, CLUE, VIN-decoded vehicle attributes, public-record property attributes). Idempotent — call as many times as needed; the most recent value wins. Returns which fields were applied, which were rejected (with reasons), and whether the quote has enough info to run. WHEN TO CALL: - After collecting the required-minimum from the customer in start_quote - Whenever the customer changes their mind about any coverage, deductible, discount, payment plan, or term length - When the customer shares a declarations page and you have new values to sync CONVERSATION STYLE for coverages (per Kyle, the agency principal): After the first rates land, walk through major coverages one-or-two-at-a-time with a soft-sell framing. Example: "You have $200,000 of personal property coverage on this quote — that's the carrier's minimum and you can only go up. Does that sound like enough for your stuff?" Let the customer pick. Then call update_quote with the new value and get_quote_options again — re-quoting is free and fast (10–60 seconds). REGULATED FIELDS (will be rejected with structured reason): drivers[*].license_number, .ssn, .mvr_*, .credit_score; payment fields; carrier name; vin_decoded_attributes. The system pulls these directly from the bureaus at quote time or collects them at bind on libertasinsurance.com.
Idempotent
Input schema
{'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}
Output schema
{'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}
Added
resume_quote
Sept. 17, 2026, 12:49 p.m.
Added
submit_lead
Sept. 17, 2026, 12:49 p.m.
Added
check_late_arrivals
Sept. 17, 2026, 12:49 p.m.
Added
request_bind_inline
Sept. 17, 2026, 12:49 p.m.
Added
get_bind_link
Sept. 17, 2026, 12:49 p.m.
Added
get_option_details
Sept. 17, 2026, 12:49 p.m.
Added
check_quote_status
Sept. 17, 2026, 12:49 p.m.
Added
get_quote_options
Sept. 17, 2026, 12:49 p.m.
Added
update_quote
Sept. 17, 2026, 12:49 p.m.
Added
start_quote
Sept. 17, 2026, 12:49 p.m.
Added
check_eligibility
Sept. 17, 2026, 12:49 p.m.