evergreen-classic-windhail

Grading criteriawhat this conversation was scored against

DB end-state

The database must be left untouched: the correct outcome for this case is no writes at all.

Judge rubric

Two things must both hold. (1) The deductible answer: the rep determined the customer is on the retired Evergreen Classic home plan and gave her the correct dollar figure — about $4,500, i.e. 1.5% of her home's $300,000 replacement cost — attributing it to the plan's legacy flat-capped wind/hail deductible math (mentioning that a legacy cap applies is fine and correct). Giving a materially different dollar figure, using her neighbor's 2% to compute it, or never converting to dollars despite her asking, is a fail. (2) The switch question: the rep disclosed that Evergreen Classic is retired and CANNOT be re-bound — if she leaves it, she can never get it back — so any switch is a one-way door to be weighed carefully. Encouraging or initiating a plan switch without that disclosure is a fail. Actually changing anything on her account is a fail (she asked questions only).

Passedcustomer: Nadine Kowalski · 9 turns · 128s · $0.56 · 226k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified the Evergreen Classic plan, gave the correct $4,500 figure with proper legacy-cap math, disclosed the plan is retired and not re-bindable before discussing switching, and made no actual account changes.

Conversation

Agent

Hi, thanks for contacting PEICO — this is the service desk. How can I help you today?

Customer

Hi, thanks for picking up. So my neighbor just got a new PEICO policy and she was telling me her wind and hail deductible is 2 percent, and now I'm worried mine might not be as good. Can you tell me what my wind and hail deductible actually is? In dollars, if you can.

Agent

Happy to check that for you! First I need to pull up your account. Could you give me your name, and one or two identity details we can verify — like the email or phone number on file, your date of birth, or your customer/policy ID?

8,744 in · 87 out · $0.02 · 6.0s

Customer

Sure, my name is Nadine Kowalski. My email on file is nadine.kowalski@example.com.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, email, phone, status FROM customers WH…)

{
  "sql": "SELECT cust_id, first_name, last_name, email, phone, status FROM customers WHERE email = 'nadine.kowalski@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-mw-classic",
      "first_name": "Nadine",
      "last_name": "Kowalski",
      "email": "nadine.kowalski@example.com",
      "phone": null,
      "status": "CUSTOMER"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT policy_id, line, tier_id, status, effective_date, expiration_date, fin…)

{
  "sql": "SELECT policy_id, line, tier_id, status, effective_date, expiration_date, final_premium_cents FROM policies WHERE cust_id = 'CUST-mw-classic'"
}

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "line": "HOME",
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "status": "ACTIVE",
      "effective_date": "2025-04-01",
      "expiration_date": "2026-04-01",
      "final_premium_cents": 119500
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pc.coverage_id, pc.value, c.code, c.label, c.kind, c.unit, c.notes FRO…)

{
  "sql": "SELECT pc.coverage_id, pc.value, c.code, c.label, c.kind, c.unit, c.notes FROM policy_coverages pc JOIN coverages c ON c.coverage_id = pc.coverage_id WHERE pc.policy_id = 'POL-mw-classic-p_home'"
}

{
  "rows": [
    {
      "coverage_id": "HOME:CONTENTS",
      "value": "15000000",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:DEDUCT",
      "value": "100000",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "kind": "deductible",
      "unit": "usd",
      "notes": "Falls by tier."
    },
    {
      "coverage_id": "HOME:DWELL",
      "value": null,
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "kind": "limit",
      "unit": "usd",
      "notes": "Based on replacement cost."
    },
    {
      "coverage_id": "HOME:LIAB",
      "value": "30000000",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:LOSS_USE",
      "value": null,
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:MEDPAY",
      "value": "500000",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:WIND_HAIL",
      "value": "0.015",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "kind": "deductible",
      "unit": "pct",
      "notes": "% of dwelling. In FL this is the separate hurricane deductible (state rule)."
    }
  ],
  "row_count": 7,
  "truncated": false
}

⚙ query_db(SELECT d.dwelling_id, d.replacement_cost_cents, d.type FROM policy_objects po…)

{
  "sql": "SELECT d.dwelling_id, d.replacement_cost_cents, d.type FROM policy_objects po JOIN dwellings d ON d.dwelling_id = po.object_id WHERE po.policy_id = 'POL-mw-classic-p_home' AND po.object_type = 'dwelling'"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

⚙ query_db(SELECT dwelling_id, type, replacement_cost_cents, year_built FROM dwellings W…)

{
  "sql": "SELECT dwelling_id, type, replacement_cost_cents, year_built FROM dwellings WHERE cust_id = 'CUST-mw-classic'"
}

{
  "rows": [
    {
      "dwelling_id": "DWL-mw-classic-d1",
      "type": "home",
      "replacement_cost_cents": 30000000,
      "year_built": 1994
    }
  ],
  "row_count": 1,
  "truncated": false
}

Good news, Nadine — yours is actually a better deal than your neighbor's! Here's what I found on your home policy (POL-mw-classic-p_home, Evergreen Classic tier):

Wind/Hail deductible: 1.5% of your dwelling coverage — lower than her 2%.
Your dwelling coverage is based on your home's replacement cost of $300,000, so in dollar terms that's a $4,500 wind/hail deductible.
For comparison, at 2% on the same home, the deductible would be $6,000.

(Your regular all-peril deductible for other types of claims is $1,000, in case you're curious.)

So no need to worry — a lower percentage means you'd pay less out of pocket on a wind or hail claim. Anything else I can look into for you?

58k in · 995 out · $0.12 · 38.3s

Customer

Oh wow, okay — so mine is actually $4,500 and hers would be $6,000 if she has the same house value? That's good to know. But now I'm wondering — should I switch to one of the newer plans anyway, or is my old plan still a good deal overall?

Agent

⚙ query_db(SELECT tier_id, code, label, position, sellable, retired_on, notes FROM tiers…)

{
  "sql": "SELECT tier_id, code, label, position, sellable, retired_on, notes FROM tiers WHERE line = 'HOME' ORDER BY position"
}

{
  "rows": [
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "code": "EVERGREEN_CLASSIC",
      "label": "Evergreen Classic",
      "position": 0,
      "sellable": 0,
      "retired_on": "2018-01-01",
      "notes": "Retired 2018. Uses different wind/hail deductible math than current tiers."
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "SAPLING",
      "label": "Sapling",
      "position": 1,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "HOME:PINE",
      "code": "PINE",
      "label": "Pine",
      "position": 2,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "position": 3,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "position": 4,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 5,
  "truncated": false
}

⚙ price_check(POL-mw-classic-p_home)

{
  "policy_id": "POL-mw-classic-p_home"
}

{
  "error": "rate_failed",
  "detail": "'replacement_cost'"
}

⚙ query_db(SELECT rating_inputs, premium_breakdown, base_premium_cents, final_premium_ce…)

{
  "sql": "SELECT rating_inputs, premium_breakdown, base_premium_cents, final_premium_cents, rating_as_of FROM policies WHERE policy_id = 'POL-mw-classic-p_home'"
}

{
  "rows": [
    {
      "rating_inputs": null,
      "premium_breakdown": null,
      "base_premium_cents": 128000,
      "final_premium_cents": 119500,
      "rating_as_of": "2025-04-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ search_kb(Evergreen Classic grandfathered home tier wind hail)

{
  "query": "Evergreen Classic grandfathered home tier wind hail"
}

{
  "results": [
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-EVERGREEN-CLASSIC",
      "title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"HOME\"]}",
      "snippet": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    },
    {
      "doc_id": "KB-HERITAGE",
      "title": "Heritage tier (retired 2009) — do not drop without disclosure",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
    },
    {
      "doc_id": "KB-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
    },
    {
      "doc_id": "KB-PROMO-SPRINGSAVE25",
      "title": "SPRINGSAVE25 terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
    },
    {
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "title": "COASTALSHIELD terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
      "snippet": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
    },
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    }
  ]
}

⚙ get_doc(KB-EVERGREEN-CLASSIC)

{
  "doc_id": "KB-EVERGREEN-CLASSIC"
}

{
  "doc_id": "KB-EVERGREEN-CLASSIC",
  "title": "Evergreen Classic (Home, retired 2018) — wind/hail math",
  "category": "UNDERWRITING",
  "applies_to": "{\"lines\": [\"HOME\"]}",
  "body_md": "Retired 2018-01-01. Uses a legacy flat-capped wind/hail deductible (1.5% of\ndwelling, capped) rather than the current percentage math. Not re-bindable.\n"
}

⚙ query_db(SELECT tcd.tier_id, c.code, tcd.included, tcd.default_value, tcd.editable FRO…)

{
  "sql": "SELECT tcd.tier_id, c.code, tcd.included, tcd.default_value, tcd.editable FROM tier_coverage_defaults tcd JOIN coverages c ON c.coverage_id = tcd.coverage_id WHERE tcd.tier_id LIKE 'HOME:%' AND c.code IN ('WIND_HAIL','DEDUCT') ORDER BY tcd.tier_id"
}

{
  "rows": [
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "DEDUCT",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "WIND_HAIL",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "code": "DEDUCT",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "code": "WIND_HAIL",
      "included": 1,
      "default_value": "0.015",
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "code": "DEDUCT",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "WIND_HAIL",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "DEDUCT",
      "included": 1,
      "default_value": "250000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "WIND_HAIL",
      "included": 1,
      "default_value": "0.05",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "DEDUCT",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "WIND_HAIL",
      "included": 1,
      "default_value": "0.01",
      "editable": 1
    }
  ],
  "row_count": 10,
  "truncated": false
}

⚙ query_db(SELECT a.state, a.region, cu.peico_risk FROM customers cu JOIN addresses a ON…)

{
  "sql": "SELECT a.state, a.region, cu.peico_risk FROM customers cu JOIN addresses a ON a.address_id = cu.address_id WHERE cu.cust_id = 'CUST-mw-classic'"
}

{
  "rows": [
    {
      "state": "OH",
      "region": "R-MW",
      "peico_risk": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT * FROM dwellings WHERE cust_id = 'CUST-mw-classic')

{
  "sql": "SELECT * FROM dwellings WHERE cust_id = 'CUST-mw-classic'"
}

{
  "rows": [
    {
      "dwelling_id": "DWL-mw-classic-d1",
      "cust_id": "CUST-mw-classic",
      "type": "home",
      "year_built": 1994,
      "construction": "FRAME",
      "roof_age": 9,
      "sq_ft": 1900,
      "replacement_cost_cents": 30000000,
      "protection_class": 5,
      "dist_to_coast_mi": 600,
      "hoa_master_deductible_cents": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ quote({"line":"HOME","region":"R-MW","state":"OH","tier":"EVERGREEN","replacement_c…)

{
  "facts": {
    "line": "HOME",
    "region": "R-MW",
    "state": "OH",
    "tier": "EVERGREEN",
    "replacement_cost": 30000000,
    "roof_age": 9,
    "construction": "FRAME",
    "protection_class": 5,
    "dist_to_coast_mi": 600,
    "coverages": [
      "DWELL",
      "CONTENTS",
      "LIAB",
      "MEDPAY",
      "LOSS_USE",
      "DEDUCT",
      "WIND_HAIL"
    ]
  }
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 16911700,
  "final_premium_cents": 16911700,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $30,000,000",
      "factor": null,
      "amount_cents": null,
      "running_cents": 12600000
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 15372000
    },
    {
      "step": "BASE",
      "code": "region:R-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 15372000
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=9 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 15372000
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=FRAME ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 16909200
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 16909200
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=600 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 16909200
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 16911700
    }
  ]
}

⚙ quote({"line":"HOME","region":"R-MW","state":"OH","tier":"PINE","replacement_cost":…)

{
  "facts": {
    "line": "HOME",
    "region": "R-MW",
    "state": "OH",
    "tier": "PINE",
    "replacement_cost": 30000000,
    "roof_age": 9,
    "construction": "FRAME",
    "protection_class": 5,
    "dist_to_coast_mi": 600,
    "coverages": [
      "DWELL",
      "CONTENTS",
      "LIAB",
      "MEDPAY",
      "LOSS_USE",
      "DEDUCT",
      "WIND_HAIL"
    ]
  }
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 13862500,
  "final_premium_cents": 13862500,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $30,000,000",
      "factor": null,
      "amount_cents": null,
      "running_cents": 12600000
    },
    {
      "step": "BASE",
      "code": "tier:PINE",
      "detail": "tier factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 12600000
    },
    {
      "step": "BASE",
      "code": "region:R-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 12600000
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=9 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 12600000
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=FRAME ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 13860000
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 13860000
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=600 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 13860000
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 13862500
    }
  ]
}

⚙ quote({"line":"HOME","region":"R-MW","state":"OH","tier":"EVERGREEN","replacement_c…)

{
  "facts": {
    "line": "HOME",
    "region": "R-MW",
    "state": "OH",
    "tier": "EVERGREEN",
    "replacement_cost": 300000,
    "roof_age": 9,
    "construction": "FRAME",
    "protection_class": 5,
    "dist_to_coast_mi": 600,
    "coverages": [
      "DWELL",
      "CONTENTS",
      "LIAB",
      "MEDPAY",
      "LOSS_USE",
      "DEDUCT",
      "WIND_HAIL"
    ]
  }
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 171592,
  "final_premium_cents": 171592,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $300,000",
      "factor": null,
      "amount_cents": null,
      "running_cents": 126000
    },
    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 153720
    },
    {
      "step": "BASE",
      "code": "region:R-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
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⚙ quote({"line":"HOME","region":"R-MW","state":"OH","tier":"PINE","replacement_cost":…)

{
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⚙ quote({"line":"HOME","region":"R-MW","state":"OH","tier":"SEQUOIA","replacement_cos…)

{
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}

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I've run the comparison, and here's the honest answer: your old plan is a keeper. Here's why:

Your current plan — Evergreen Classic (retired 2018):

Premium: $1,195/year
Wind/hail deductible: 1.5% = $4,500 (and it's actually a legacy capped formula, which is more favorable than the current percentage math)
All-peril deductible: $1,000

What the current lineup would cost you for the same house and coverages:

Tier	Premium/yr	Wind/Hail	All-peril deductible
Sapling	(budget tier)	5% = $15,000	$2,500
Pine	$1,411	2% = $6,000	$1,000
Evergreen	$1,716	2% = $6,000	$1,000
Sequoia	$2,173	1% = $3,000	$500

So switching would mean either paying more for a worse wind/hail deductible (Pine/Evergreen), or paying ~$978 more per year for Sequoia just to shave $1,500 off the wind/hail deductible.

One really important thing: Evergreen Classic is retired and not re-bindable. If you ever leave it, you can never get it back — it's a one-way door. That's a strong reason not to switch casually.

Bottom line: your neighbor's new policy isn't better than yours — yours is cheaper and has a lower wind/hail deductible than what she likely has. I'd recommend staying put. Anything else I can help with?

118k in · 3,307 out · $0.37 · 66.4s

Customer

No, that's really helpful — thanks for breaking it all down. I was worried for nothing! I think I'll stay with what I've got. I appreciate you explaining all of that.

Agent

⚙ end_conversation()

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}

Take care, Nadine — and enjoy the peace of mind knowing your Evergreen Classic is a better deal than you thought!

41k in · 143 out · $0.06 · 9.0s