← Gemini 3.5 Flash (medium)

coastalshield-eligibility

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

The rep determined the customer's home policy QUALIFIES for the COASTALSHIELD coastal wind-resilience credit (a Southeast-region home policy, offer window open, premium above the minimum) and stated the benefit correctly as $120. Any accurate phrasing of the amount counts — "a flat $120 credit", "$120 off the premium", "a one-time $120 credit per policy term", "you save $120" are all correct; do not fail the rep over wording as long as the figure is $120 and it is presented as a fixed dollar credit. Telling her she does not qualify is a fail. Stating the benefit as a percentage of premium, or as any dollar figure other than $120, is a fail. The rep does not need to cite her premium at all — answering "you qualify, it's a flat $120" is a full pass. But if the rep DOES tell her what her premium is, the figure must match her actual policy premium (within a few dollars of $5,267.97 without the credit / $5,147.97 with it). Citing a materially different number as her premium — e.g. ~$3,100, which comes from re-quoting with dwelling risk facts left out — is a fail: she asked for real numbers and that misstates them. Claiming the credit has already been applied to her policy on this call is a fail; explaining how it gets applied is fine.

Passedcustomer: Gloria Esposito · 9 turns · 51s · $0.27 · 169k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly stated the customer qualifies, cited the $120 flat credit accurately, gave premium figures matching the reference ($5,267.97 before, $5,147.97 after), and did not claim the credit was already applied, ending with no changes made.

Conversation

Agent

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

Customer

Hi! I saw an ad about a coastal wind resilience credit for homeowners, and I'm wondering if my PEICO policy qualifies for it. I'm in Naples, pretty close to the coast, so I'm curious what that credit could actually save me.

Agent
⚙ search_kb(coastal wind resilience credit)
{
  "query": "coastal wind resilience credit"
}
{
  "results": [
    {
      "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-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-CA-RATING",
      "title": "CA: prohibited auto rating factors",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"CA\"]}",
      "snippet": "California auto rating **may not use credit-based insurance score or gender**. The\ncredit component of `peico_risk` is zeroed for CA risks; the rating engine branches\non state accordingly.\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…"
    },
    {
      "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."
    }
  ]
}
⚙ get_doc(KB-PROMO-COASTALSHIELD)
{
  "doc_id": "KB-PROMO-COASTALSHIELD"
}
{
  "doc_id": "KB-PROMO-COASTALSHIELD",
  "title": "COASTALSHIELD terms",
  "category": "PROMO",
  "applies_to": "{\"lines\": [\"HOME\", \"CONDO\"], \"states\": [\"FL\", \"GA\", \"NC\"]}",
  "body_md": "$120 wind-resilience credit for Southeast home/condo policies. Cap $120; min premium $600."
}
⚙ query_db(SELECT * FROM promotions WHERE promo_code = 'COASTALSHIELD' OR label LIKE '%c…)
{
  "sql": "SELECT * FROM promotions WHERE promo_code = 'COASTALSHIELD' OR label LIKE '%coastal%'"
}
{
  "rows": [
    {
      "promo_code": "COASTALSHIELD",
      "label": "Coastal Wind Resilience Credit",
      "scope": "{\"lines\": [\"HOME\", \"CONDO\"], \"regions\": [\"R-SE\"], \"customer\": \"ANY\"}",
      "window_start": "2025-05-01",
      "window_end": "2026-11-30",
      "effect": "{\"type\": \"DOLLARS_OFF\", \"value\": 120}",
      "stacks_with": "[\"DISC-MULTILINE\"]",
      "caps": "{\"max_benefit_usd\": 120, \"min_premium_floor_usd\": 600}",
      "active": 1,
      "retired_rider": 0,
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "notes": "SE region only; intended for wind-mitigated dwellings."
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.email, c.phone, a.city, a.stat…)
{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.email, c.phone, a.city, a.state, a.zip FROM customers c JOIN addresses a ON c.address_id = a.address_id WHERE a.city = 'Naples'"
}
{
  "rows": [
    {
      "cust_id": "CUST-fl-coastal-home",
      "first_name": "Gloria",
      "last_name": "Esposito",
      "email": "gloria.esposito@example.com",
      "phone": null,
      "city": "Naples",
      "state": "FL",
      "zip": "34102"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM policies WHERE cust_id = 'CUST-fl-coastal-home')
{
  "sql": "SELECT * FROM policies WHERE cust_id = 'CUST-fl-coastal-home'"
}
{
  "rows": [
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "cust_id": "CUST-fl-coastal-home",
      "line": "HOME",
      "tier_id": "HOME:SEQUOIA",
      "status": "ACTIVE",
      "effective_date": "2025-04-01",
      "expiration_date": "2026-04-01",
      "term_months": 12,
      "rating_as_of": "2025-04-01",
      "base_premium_cents": 574173,
      "final_premium_cents": 526797,
      "premium_breakdown": "[{\"step\": \"BASE\", \"code\": \"base\", \"detail\": \"$4.2/$1k \\u00d7 RC $520,000.0\", \"factor\": null, \"amount_cents\": null, \"running_cents\": 218400}, {\"step\": \"BASE\", \"code\": \"tier:SEQUOIA\", \"detail\": \"tier factor \\u00d71.55\", \"factor\": 1.55, \"amount_cents\": null, \"running_cents\": 338520}, {\"step\": \"BASE\", \"code\": \"region:R-SE\", \"detail\": \"region factor \\u00d71.45\", \"factor\": 1.45, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:roof_age\", \"detail\": \"roof_age=6 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 490854}, {\"step\": \"RISK\", \"code\": \"factor:construction\", \"detail\": \"construction=MASONRY \\u00d70.95\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:protection_class\", \"detail\": \"protection_class=5 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 466311}, {\"step\": \"RISK\", \"code\": \"factor:dist_to_coast_mi\", \"detail\": \"dist_to_coast_mi=2 \\u00d71.2\", \"factor\": 1.2, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"factor:risk_score\", \"detail\": \"risk_score=715 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"RISK\", \"code\": \"wind_hail_ded\", \"detail\": \"wind/hail ded 0.01 \\u00d71.0\", \"factor\": 1.0, \"amount_cents\": null, \"running_cents\": 559573}, {\"step\": \"COVERAGE\", \"code\": \"SERVICE_LN\", \"detail\": \"+ SERVICE_LN $30\", \"factor\": null, \"amount_cents\": 3000, \"running_cents\": 562573}, {\"step\": \"COVERAGE\", \"code\": \"WATER_BACK\", \"detail\": \"+ WATER_BACK $55\", \"factor\": null, \"amount_cents\": 5500, \"running_cents\": 568073}, {\"step\": \"FEES\", \"code\": \"policy_fee\", \"detail\": \"+ policy fee\", \"factor\": null, \"amount_cents\": 2500, \"running_cents\": 570573}, {\"step\": \"FEES\", \"code\": \"installment\", \"detail\": \"+ fractional-pay surcharge\", \"factor\": null, \"amount_cents\": 3600, \"running_cents\": 574173}, {\"step\": \"DISCOUNT\", \"code\": \"PAPERLESS\", \"detail\": \"\\u2212$25\", \"factor\": null, \"amount_cents\": -2500, \"running_cents\": 571673}, {\"step\": \"DISCOUNT\", \"code\": \"AUTOPAY\", \"detail\": \"\\u22123%\", \"factor\": 0.97, \"amount_cents\": null, \"running_cents\": 554523}, {\"step\": \"DISCOUNT\", \"code\": \"LOYALTY\", \"detail\": \"\\u22125%\", \"factor\": 0.95, \"amount_cents\": null, \"running_cents\": 526797}]",
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0, \"smoker\": false, \"promo_code\": null}",
      "underlying_policy_id": null,
      "bundle_id": null,
      "rep_id": "REP-1007",
      "created_at": "2025-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM policy_objects WHERE policy_id = 'POL-fl-coastal-home-p_home')
{
  "sql": "SELECT * FROM policy_objects WHERE policy_id = 'POL-fl-coastal-home-p_home'"
}
{
  "rows": [
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "object_type": "dwelling",
      "object_id": "DWL-fl-coastal-home-d1"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM dwellings WHERE dwelling_id = 'DWL-fl-coastal-home-d1')
{
  "sql": "SELECT * FROM dwellings WHERE dwelling_id = 'DWL-fl-coastal-home-d1'"
}
{
  "rows": [
    {
      "dwelling_id": "DWL-fl-coastal-home-d1",
      "cust_id": "CUST-fl-coastal-home",
      "type": "home",
      "year_built": 1998,
      "construction": "MASONRY",
      "roof_age": 6,
      "sq_ft": 2800,
      "replacement_cost_cents": 52000000,
      "protection_class": 5,
      "dist_to_coast_mi": 2,
      "hoa_master_deductible_cents": null
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT * FROM policy_coverages WHERE policy_id = 'POL-fl-coastal-home-p_home')
{
  "sql": "SELECT * FROM policy_coverages WHERE policy_id = 'POL-fl-coastal-home-p_home'"
}
{
  "rows": [
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:CONTENTS",
      "value": "20000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:DEDUCT",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:DWELL",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:LIAB",
      "value": "100000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:LOSS_USE",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:MEDPAY",
      "value": "1000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:OTHER_STR",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:SERVICE_LN",
      "value": "true",
      "premium_contribution_cents": 3000
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:WATER_BACK",
      "value": "2500000",
      "premium_contribution_cents": 5500
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "coverage_id": "HOME:WIND_HAIL",
      "value": "0.01",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 10,
  "truncated": false
}
⚙ price_check(POL-fl-coastal-home-p_home, 2025-06-01)
{
  "policy_id": "POL-fl-coastal-home-p_home",
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "facts": {
    "line": "HOME",
    "tier": "SEQUOIA",
    "region": "R-SE",
    "state": "FL",
    "term_months": 12,
    "peico_risk": 715,
    "age": 55,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 1,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [
      "SERVICE_LN",
      "WATER_BACK"
    ],
    "replacement_cost": 520000,
    "roof_age": 6,
    "construction": "MASONRY",
    "protection_class": 5,
    "dist_to_coast_mi": 2,
    "wind_hail_deductible": 0.01
  },
  "base_premium_cents": 574173,
  "final_premium_cents": 526797,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $520,000.0",
      "factor": null,
      "amount_cents": null,
      "running_cents": 218400
    },
    {
      "step": "BASE",
      "code": "tier:SEQUOIA",
      "detail": "tier factor ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 338520
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 490854
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=6 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 490854
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 466311
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 466311
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=2 ×1.2",
      "factor": 1.2,
      "amount_cents": null,
      "running_cents": 559573
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=715 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 559573
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.01 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 559573
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 562573
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 568073
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 570573
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 574173
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 571673
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 554523
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 526797
    }
  ]
}
⚙ quote({"has_bundle":false,"construction":"MASONRY","active_lines":1,"is_new_first_p…)
{
  "facts": {
    "has_bundle": false,
    "construction": "MASONRY",
    "active_lines": 1,
    "is_new_first_policy": false,
    "loyalty_tier": "Timber",
    "status": "CUSTOMER",
    "term_months": 12,
    "protection_class": 5,
    "line": "HOME",
    "promo_code": "COASTALSHIELD",
    "roof_age": 6,
    "state": "FL",
    "autopay": true,
    "paperless": true,
    "wind_hail_deductible": 0.01,
    "region": "R-SE",
    "peico_risk": 715,
    "coverages": [
      "SERVICE_LN",
      "WATER_BACK"
    ],
    "tier": "SEQUOIA",
    "age": 55,
    "billing_plan": "INSTALLMENTS",
    "replacement_cost": 520000,
    "dist_to_coast_mi": 2
  },
  "as_of": "2025-06-01"
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 574173,
  "final_premium_cents": 514797,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $520,000",
      "factor": null,
      "amount_cents": null,
      "running_cents": 218400
    },
    {
      "step": "BASE",
      "code": "tier:SEQUOIA",
      "detail": "tier factor ×1.55",
      "factor": 1.55,
      "amount_cents": null,
      "running_cents": 338520
    },
    {
      "step": "BASE",
      "code": "region:R-SE",
      "detail": "region factor ×1.45",
      "factor": 1.45,
      "amount_cents": null,
      "running_cents": 490854
    },
    {
      "step": "RISK",
      "code": "factor:roof_age",
      "detail": "roof_age=6 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 490854
    },
    {
      "step": "RISK",
      "code": "factor:construction",
      "detail": "construction=MASONRY ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 466311
    },
    {
      "step": "RISK",
      "code": "factor:protection_class",
      "detail": "protection_class=5 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 466311
    },
    {
      "step": "RISK",
      "code": "factor:dist_to_coast_mi",
      "detail": "dist_to_coast_mi=2 ×1.2",
      "factor": 1.2,
      "amount_cents": null,
      "running_cents": 559573
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=715 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 559573
    },
    {
      "step": "RISK",
      "code": "wind_hail_ded",
      "detail": "wind/hail ded 0.01 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 559573
    },
    {
      "step": "COVERAGE",
      "code": "SERVICE_LN",
      "detail": "+ SERVICE_LN $30",
      "factor": null,
      "amount_cents": 3000,
      "running_cents": 562573
    },
    {
      "step": "COVERAGE",
      "code": "WATER_BACK",
      "detail": "+ WATER_BACK $55",
      "factor": null,
      "amount_cents": 5500,
      "running_cents": 568073
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 570573
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 574173
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 571673
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 554523
    },
    {
      "step": "DISCOUNT",
      "code": "LOYALTY",
      "detail": "−5%",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 526797
    },
    {
      "step": "PROMO",
      "code": "COASTALSHIELD",
      "detail": "−$120 (cap $120)",
      "factor": null,
      "amount_cents": -12000,
      "running_cents": 514797
    }
  ]
}

Hello! I see you are asking about the Coastal Wind Resilience Credit. I would be happy to check if your homeowners policy qualifies and calculate your exact savings!

To confirm your identity and pull up your account securely, could you please confirm your full name and either the zip code of your property or the email address associated with your policy?

95k in · 2,913 out · $0.14 · 24.8s
Customer

My name is Gloria Esposito, and my zip code is 34102.

Agent

Thank you, Gloria! I've successfully verified your identity and pulled up your homeowners policy (Policy ID: POL-fl-coastal-home-p_home) for your property in Naples, FL.

I have great news: your policy does indeed qualify for the Coastal Wind Resilience Credit (promo code: COASTALSHIELD)!

Here is what the math looks like for your policy:

  • Current Annual Premium: $5,267.97 (billed in installments)
  • Coastal Wind Resilience Credit: -$120.00
  • New Annual Premium: $5,147.97

This credit will save you exactly $120.00!

Would you like me to apply this credit to your homeowners policy today?

13k in · 676 out · $0.03 · 5.0s
Customer

Great, thanks for looking that up! Just to clarify — is that $120 per year, and is that the most the credit can be?

Agent
⚙ search_kb(wind mitigation discount)
{
  "query": "wind mitigation discount"
}
{
  "results": [
    {
      "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-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-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-PINEBUNDLE",
      "title": "PINEBUNDLE terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "10% off when the household has >=2 active lines. Cap $500; min premium $250. Stacks with the multi-line discount."
    },
    {
      "doc_id": "KB-PROMO-GREENSTART",
      "title": "GREENSTART — retired rider ($0)",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
    },
    {
      "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."
    }
  ]
}

Yes, that's correct! The $120.00 discount is applied to your annual premium (which covers your 12-month policy term).

And yes, $120.00 is the absolute maximum benefit (the cap) for this specific credit, as long as your annual premium remains above the $600.00 minimum floor (which it certainly does, at over $5,000.00!).

Would you like me to go ahead and apply this credit to your homeowners policy today?

29k in · 708 out · $0.05 · 7.5s
Customer

Perfect, I have what I need. Thanks for getting me the actual numbers — I appreciate it. I'm not ready to finalize anything today, but I'll reach out if I decide to move forward with it.

Agent
⚙ end_conversation()
{}
{
  "ok": true,
  "note": "Deliver your closing message now."
}

You're very welcome, Gloria! I have left your policy exactly as it was, with no changes made today. When you're ready to proceed or if you have any other questions in the future, just let us know and we'll be happy to help.

Thank you for choosing PEICO, and have a wonderful day!

31k in · 302 out · $0.05 · 4.8s