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 · 11 turns · 99s · $0.14 · 264k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified the Evergreen Classic plan, calculated $4,500 (1.5% of $300,000), disclosed that the plan is retired and cannot be re-bound (one-way door), did not encourage switching, and made no account changes.

Conversation

Agent

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

Customer

Hi! I'm calling because 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 wondering what mine actually is. I've had my policy since like 2010 and I honestly have no idea.

Agent

I'd be happy to look that up for you! First, I need to verify your identity — could you give me your full name and either your policy number, date of birth, or the address on the account?

8,798 in · 79 out · $0.0029 · 2.1s

Customer

Sure. My name is Nadine Kowalski. My address is 58 Chestnut Hollow Rd, Toledo, OH 43604.

Agent

⚙ query_db(select c.cust_id, c.first_name, c.last_name, c.dob, c.address_id, a.line1, a.…)

{
  "sql": "select c.cust_id, c.first_name, c.last_name, c.dob, c.address_id, a.line1, a.city, a.state, a.zip\nfrom customers c join addresses a on c.address_id = a.address_id\nwhere lower(c.first_name) = 'nadine' and lower(c.last_name) = 'kowalski'"
}

{
  "rows": [
    {
      "cust_id": "CUST-mw-classic",
      "first_name": "Nadine",
      "last_name": "Kowalski",
      "dob": "1963-04-17",
      "address_id": "ADDR-mw-classic",
      "line1": "58 Chestnut Hollow Rd",
      "city": "Toledo",
      "state": "OH",
      "zip": "43604"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(select policy_id, line, tier_id, status, effective_date, expiration_date, ter…)

{
  "sql": "select policy_id, line, tier_id, status, effective_date, expiration_date, term_months 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",
      "term_months": 12
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(select pc.coverage_id, pc.value, pc.premium_contribution_cents, c.label, c.ki…)

{
  "sql": "select pc.coverage_id, pc.value, pc.premium_contribution_cents, c.label, c.kind, c.unit, c.notes\nfrom policy_coverages pc join coverages c on pc.coverage_id = c.coverage_id\nwhere pc.policy_id = 'POL-mw-classic-p_home'"
}

{
  "rows": [
    {
      "coverage_id": "HOME:CONTENTS",
      "value": "15000000",
      "premium_contribution_cents": null,
      "label": "Personal Property (Coverage C)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:DEDUCT",
      "value": "100000",
      "premium_contribution_cents": null,
      "label": "All-Peril Deductible",
      "kind": "deductible",
      "unit": "usd",
      "notes": "Falls by tier."
    },
    {
      "coverage_id": "HOME:DWELL",
      "value": null,
      "premium_contribution_cents": null,
      "label": "Dwelling (Coverage A)",
      "kind": "limit",
      "unit": "usd",
      "notes": "Based on replacement cost."
    },
    {
      "coverage_id": "HOME:LIAB",
      "value": "30000000",
      "premium_contribution_cents": null,
      "label": "Personal Liability (Coverage E)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:LOSS_USE",
      "value": null,
      "premium_contribution_cents": null,
      "label": "Loss of Use (Coverage D)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:MEDPAY",
      "value": "500000",
      "premium_contribution_cents": null,
      "label": "Medical Payments (Coverage F)",
      "kind": "limit",
      "unit": "usd",
      "notes": null
    },
    {
      "coverage_id": "HOME:WIND_HAIL",
      "value": "0.015",
      "premium_contribution_cents": null,
      "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
}

I found it. Your wind/hail deductible on your home policy (POL-mw-classic-p_home, EVERGREEN CLASSIC tier) is 1.5% of your dwelling coverage — not 2%. That's a percentage-based deductible, so the actual dollar amount depends on your dwelling coverage limit.

Would you like me to calculate the dollar amount, or is there anything else you'd like to know about your policy?

38k in · 649 out · $0.02 · 10.1s

Customer

Yeah, can you calculate that for me in dollars? I want to know what I'd actually have to pay if something happened.

Agent

⚙ query_db(select d.* from dwellings d join policy_objects po on po.object_id = d.dwelli…)

{
  "sql": "select d.* from dwellings d\njoin policy_objects po on po.object_id = d.dwelling_id and po.object_type = 'dwelling'\nwhere po.policy_id = 'POL-mw-classic-p_home'"
}

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

⚙ query_db(select * from policy_objects where policy_id = 'POL-mw-classic-p_home')

{
  "sql": "select * from policy_objects where policy_id = 'POL-mw-classic-p_home'"
}

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "object_type": "DWELLING",
      "object_id": "DWL-mw-classic-d1"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(select * from dwellings where dwelling_id = 'DWL-mw-classic-d1')

{
  "sql": "select * from dwellings where dwelling_id = 'DWL-mw-classic-d1'"
}

{
  "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
}

Your dwelling's replacement cost is $300,000, and the Coverage A (dwelling) limit is based on that replacement cost. At a 1.5% wind/hail deductible, that works out to:

$300,000 × 1.5% = $4,500

So if you had a wind or hail claim, you'd be responsible for the first $4,500 before coverage kicks in. Let me know if you'd like to look at anything else — like whether adjusting that deductible would change your premium.

43k in · 534 out · $0.02 · 14.0s

Customer

Okay, so $4,500. That's helpful to know. Now, my neighbor's got that 2 percent deductible on her new plan — does that mean I should switch to one of the newer plans like hers to get a better deal, or is my plan actually better?

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
}

⚙ search_kb(EVERGREEN_CLASSIC tier home grandfathered)

{
  "query": "EVERGREEN_CLASSIC tier home grandfathered"
}

{
  "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-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-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-UMBR-UNDERLYING",
      "title": "Umbrella requires an underlying policy",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"UMBR\"]}",
      "snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
    },
    {
      "doc_id": "KB-NE-MIN-LIMITS",
      "title": "NY/NJ minimum auto liability limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
      "snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
    },
    {
      "doc_id": "KB-FL-HURRICANE",
      "title": "FL: separate hurricane deductible",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HOME\"], \"states\": [\"FL\"]}",
      "snippet": "Florida homeowners policies carry a **separate hurricane deductible** expressed as\na percentage of the dwelling limit, distinct from the flat all-peril deductible.\nIt must be set explicitly before binding.\n"
    },
    {
      "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…"
    }
  ]
}

⚙ 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 tier_id, coverage_id, included, default_value, editable from tier_cove…)

{
  "sql": "select tier_id, coverage_id, included, default_value, editable from tier_coverage_defaults where coverage_id = 'HOME:WIND_HAIL'"
}

{
  "rows": [
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.05",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.01",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.015",
      "editable": 0
    }
  ],
  "row_count": 5,
  "truncated": false
}

⚙ query_db(select policy_id, tier_id, base_premium_cents, final_premium_cents, rating_in…)

{
  "sql": "select policy_id, tier_id, base_premium_cents, final_premium_cents, rating_inputs, rating_as_of from policies where policy_id = 'POL-mw-classic-p_home'"
}

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "base_premium_cents": 128000,
      "final_premium_cents": 119500,
      "rating_inputs": null,
      "rating_as_of": "2025-04-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(select state, region from states where state = 'OH')

{
  "sql": "select state, region from states where state = 'OH'"
}

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

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

{
  "facts": {
    "line": "HOME",
    "tier": "SAPLING",
    "region": "R-MW",
    "state": "OH",
    "replacement_cost": 30000000,
    "replacement_cost_cents": 30000000,
    "protection_class": 5,
    "construction": "FRAME",
    "roof_age": 9,
    "sq_ft": 1900,
    "dist_to_coast_mi": 600,
    "coverages": [
      "DWELL",
      "CONTENTS",
      "LIAB",
      "LOSS_USE",
      "MEDPAY",
      "DEDUCT",
      "WIND_HAIL"
    ]
  },
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 11783500,
  "final_premium_cents": 11783500,
  "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:SAPLING",
      "detail": "tier factor ×0.85",
      "factor": 0.85,
      "amount_cents": null,
      "running_cents": 10710000
    },
    {
      "step": "BASE",
      "code": "region:R-MW",
      "detail": "region factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 10710000
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=9 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 10710000
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=FRAME ×1.1",
      "factor": 1.1,
      "amount_cents": null,
      "running_cents": 11781000
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 11781000
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=600 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 11781000
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 11783500
    }
  ]
}

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

{
  "facts": {
    "line": "HOME",
    "tier": "PINE",
    "region": "R-MW",
    "state": "OH",
    "replacement_cost": 30000000,
    "replacement_cost_cents": 30000000,
    "protection_class": 5,
    "construction": "FRAME",
    "roof_age": 9,
    "sq_ft": 1900,
    "dist_to_coast_mi": 600,
    "coverages": [
      "DWELL",
      "CONTENTS",
      "LIAB",
      "LOSS_USE",
      "MEDPAY",
      "DEDUCT",
      "WIND_HAIL"
    ]
  },
  "as_of": "2025-06-01"
}

{
  "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","tier":"EVERGREEN","region":"R-MW","state":"OH","replacement_c…)

{
  "facts": {
    "line": "HOME",
    "tier": "EVERGREEN",
    "region": "R-MW",
    "state": "OH",
    "replacement_cost": 30000000,
    "replacement_cost_cents": 30000000,
    "protection_class": 5,
    "construction": "FRAME",
    "roof_age": 9,
    "sq_ft": 1900,
    "dist_to_coast_mi": 600,
    "coverages": [
      "DWELL",
      "CONTENTS",
      "LIAB",
      "LOSS_USE",
      "MEDPAY",
      "DEDUCT",
      "WIND_HAIL"
    ]
  },
  "as_of": "2025-06-01"
}

{
  "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
    },
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      "step": "RISK",
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      "factor": 1,
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      "step": "FEES",
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      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 16911700
    }
  ]
}

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

{
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    "line": "HOME",
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    "region": "R-MW",
    "state": "OH",
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    "replacement_cost_cents": 30000000,
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  "as_of": "2025-06-01"
}

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      "step": "RISK",
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      "factor": 1,
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      "running_cents": 21483000
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      "step": "FEES",
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      "detail": "+ policy fee",
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⚙ quote({"line":"HOME","tier":"PINE","region":"R-MW","state":"OH","replacement_cost":…)

{
  "facts": {
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    "region": "R-MW",
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{
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      "step": "RISK",
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      "step": "RISK",
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      "step": "RISK",
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      "factor": 1,
      "amount_cents": null,
      "running_cents": 138600
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
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      "running_cents": 141100
    }
  ]
}

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

{
  "facts": {
    "line": "HOME",
    "tier": "SAPLING",
    "region": "R-MW",
    "state": "OH",
    "replacement_cost": 300000,
    "protection_class": 5,
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    "coverages": [
      "DWELL",
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  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
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      "step": "BASE",
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      "step": "BASE",
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      "step": "RISK",
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      "step": "RISK",
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      "step": "RISK",
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      "factor": 1,
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    },
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      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
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      "running_cents": 120310
    }
  ]
}

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

{
  "facts": {
    "line": "HOME",
    "tier": "EVERGREEN",
    "region": "R-MW",
    "state": "OH",
    "replacement_cost": 300000,
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    "coverages": [
      "DWELL",
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      "LOSS_USE",
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      "WIND_HAIL"
    ]
  },
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
  "base_premium_cents": 171592,
  "final_premium_cents": 171592,
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      "step": "BASE",
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      "factor": null,
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    {
      "step": "BASE",
      "code": "tier:EVERGREEN",
      "detail": "tier factor ×1.22",
      "factor": 1.22,
      "amount_cents": null,
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      "step": "BASE",
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      "step": "RISK",
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      "step": "RISK",
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      "factor": 1,
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      "running_cents": 169092
    },
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      "step": "FEES",
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      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 171592
    }
  ]
}

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

{
  "facts": {
    "line": "HOME",
    "tier": "SEQUOIA",
    "region": "R-MW",
    "state": "OH",
    "replacement_cost": 300000,
    "protection_class": 5,
    "construction": "FRAME",
    "roof_age": 9,
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    "dist_to_coast_mi": 600,
    "coverages": [
      "DWELL",
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      "DEDUCT",
      "WIND_HAIL"
    ]
  },
  "as_of": "2025-06-01"
}

{
  "as_of": "2025-06-01",
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  "final_premium_cents": 217330,
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      "step": "BASE",
      "code": "base",
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      "factor": null,
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    },
    {
      "step": "BASE",
      "code": "tier:SEQUOIA",
      "detail": "tier factor ×1.55",
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      "step": "RISK",
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      "step": "RISK",
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      "factor": 1,
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    },
    {
      "step": "FEES",
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}

Good question! Here's what I found comparing your current legacy tier to today's tiers (all based on your actual dwelling — $300,000 replacement cost):

Tier	Wind/Hail Deductible	Annual Premium
Your current: Evergreen Classic	1.5% (capped) = $4,500	$1,195
Sapling	5% = $15,000	$1,203
Pine (likely your neighbor's)	2% = $6,000	$1,411
Evergreen	2% = $6,000	$1,716
Sequoia	1% = $3,000	$2,173

A few things worth knowing:

Your current plan is actually the best value on the table. It has the lowest premium of any tier and a lower wind/hail deductible than Sapling, Pine, or Evergreen. Only Sequoia beats your deductible (1% vs. 1.5%), but it costs about $978/year more.
Your neighbor's 2% deductible is likely worse than yours, not better — she's probably on Pine or Evergreen. A lower percentage isn't automatically better since it's tied to the dollar figure, and yours is capped in a way current tiers aren't.
Important catch: Evergreen Classic was retired in 2018 and is not re-sellable — meaning if you ever switch off of it to a current tier, you cannot switch back. It's a one-way door.

Given all that, I wouldn't recommend switching — you'd very likely pay more for an equal or worse deductible, and you'd permanently give up a good grandfathered plan. Would you like to do anything else, or does that settle it?

126k in · 4,816 out · $0.09 · 55.0s

Customer

Wow, okay — yeah, that actually makes me feel better. My plan is better than hers, and I didn't realize that. And I definitely don't want to lose this plan if I can't get it back. I think I'll just stick with what I've got for now. Thanks for looking all that up for me!

Agent

⚙ end_conversation()

{}

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

Take care!

48k in · 94 out · $0.01 · 7.2s