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 · 46s · $0.10 · 105k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified the Evergreen Classic legacy plan, gave the accurate $4,500 figure (1.5% of $300,000), disclosed clearly that the retired plan cannot be re-bound once left, 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! Yeah, so my neighbor just got a new PEICO policy and 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 forever and I have no clue if I'm getting a worse deal or what. Can you tell me what my deductible is in dollars?

Agent

I can help with that. To look up your exact deductible, I’ll need to verify your account first.

Please send:

your full name
date of birth
either the email address or phone number on the policy

Once I verify you, I can pull your policy and tell you the wind/hail deductible in dollars.

4,763 in · 71 out · $0.0035 · 1.5s

Customer

Okay, sure. It's Nadine Kowalski, April 17, 1963, and my email on file is nadine.kowalski@example.com.

Agent

⚙ query_db(SELECT cust_id, first_name, last_name, dob, email FROM customers WHERE first_…)

{
  "sql": "SELECT cust_id, first_name, last_name, dob, email FROM customers WHERE first_name = 'Nadine' AND last_name = 'Kowalski' AND dob = '1963-04-17' AND email = 'nadine.kowalski@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-mw-classic",
      "first_name": "Nadine",
      "last_name": "Kowalski",
      "dob": "1963-04-17",
      "email": "nadine.kowalski@example.com"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.…)

{
  "sql": "SELECT p.policy_id, p.line, p.status, p.effective_date, p.expiration_date, p.tier_id, po.object_id AS dwelling_id, a.state, a.region FROM policies p LEFT JOIN policy_objects po ON po.policy_id = p.policy_id AND po.object_type = 'dwelling' LEFT JOIN dwellings d ON d.dwelling_id = po.object_id LEFT JOIN customers c ON c.cust_id = p.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE p.cust_id = 'CUST-mw-classic' AND p.line = 'HOME' AND p.status = 'ACTIVE'"
}

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "line": "HOME",
      "status": "ACTIVE",
      "effective_date": "2025-04-01",
      "expiration_date": "2026-04-01",
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "dwelling_id": null,
      "state": "OH",
      "region": "R-MW"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ search_kb(wind hail deductible percentage home coverage glossary deductible code, 5)

{
  "query": "wind hail deductible percentage home coverage glossary deductible code",
  "limit": 5
}

{
  "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-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-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- …"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\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"
    }
  ]
}

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

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

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "coverage_id": "HOME:CONTENTS",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "kind": "limit",
      "unit": "usd",
      "value": "15000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "coverage_id": "HOME:DEDUCT",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "kind": "deductible",
      "unit": "usd",
      "value": "100000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "coverage_id": "HOME:DWELL",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "kind": "limit",
      "unit": "usd",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "coverage_id": "HOME:LIAB",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "kind": "limit",
      "unit": "usd",
      "value": "30000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "coverage_id": "HOME:LOSS_USE",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "kind": "limit",
      "unit": "usd",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "coverage_id": "HOME:MEDPAY",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "kind": "limit",
      "unit": "usd",
      "value": "500000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "coverage_id": "HOME:WIND_HAIL",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "kind": "deductible",
      "unit": "pct",
      "value": "0.015",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 7,
  "truncated": false
}

⚙ 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 d.dwelling_id, d.replacement_cost_cents FROM dwellings d JOIN customer…)

{
  "sql": "SELECT d.dwelling_id, d.replacement_cost_cents FROM dwellings d JOIN customers c ON c.cust_id = d.cust_id WHERE c.cust_id = 'CUST-mw-classic'"
}

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

Thanks, Nadine — I found your active home policy.

Your wind/hail deductible is 1.5% of the dwelling amount, and on your policy that comes out to $4,500.

A couple quick notes:

Your policy is on a legacy retired home tier called Evergreen Classic.
On that tier, wind/hail uses older 1.5% deductible math rather than the newer style your neighbor may have.

Your all-peril deductible is separate, and that one is $1,000.

If you want, I can also explain whether 2% would actually be better or worse than what you have now.

29k in · 577 out · $0.04 · 9.4s

Customer

Oh okay, so mine is $4,500 in dollars — that's helpful to know. And yeah, my neighbor's is 2 percent, so that would actually be more than mine, right? But here's what I'm really wondering — should I switch to one of those newer plans like she has? Would I get a better deal overall, or is my current plan still decent?

Agent

⚙ query_db(SELECT t.tier_id, t.line, t.code, t.label, t.position, t.sellable, t.retired_…)

{
  "sql": "SELECT t.tier_id, t.line, t.code, t.label, t.position, t.sellable, t.retired_on, t.notes FROM tiers t WHERE t.line = 'HOME' ORDER BY t.position"
}

{
  "rows": [
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "line": "HOME",
      "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",
      "line": "HOME",
      "code": "SAPLING",
      "label": "Sapling",
      "position": 1,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "HOME:PINE",
      "line": "HOME",
      "code": "PINE",
      "label": "Pine",
      "position": 2,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "line": "HOME",
      "code": "EVERGREEN",
      "label": "Evergreen",
      "position": 3,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "line": "HOME",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "position": 4,
      "sellable": 1,
      "retired_on": null,
      "notes": null
    }
  ],
  "row_count": 5,
  "truncated": false
}

⚙ search_kb(home tiers Evergreen Classic current home tiers grandfathered retired not re-…)

{
  "query": "home tiers Evergreen Classic current home tiers grandfathered retired not re-bindable switch endorsement eligibility Ohio wind hail deductible",
  "limit": 8
}

{
  "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-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-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-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-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-CLAIMS-STATUS",
      "title": "Claim status: FNOL → OPEN → CLOSED, and who may move it",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "**FNOL** = loss reported, not yet accepted for handling. **OPEN** = accepted\nand with an adjuster (the adjuster sets the reserve). **CLOSED** = resolved.\nA service rep may promote FNOL → OPEN once the loss details are confirmed\nwith the cus…"
    },
    {
      "doc_id": "KB-DISC-HLTH-SUPP",
      "title": "Supplemental health: not major-medical; pre-existing limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HLTH\"]}",
      "snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
    }
  ]
}

⚙ query_db(SELECT pc.policy_id, c.code, c.label, c.kind, c.unit, pc.value FROM policy_co…)

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

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "kind": "limit",
      "unit": "usd",
      "value": "15000000"
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "kind": "deductible",
      "unit": "usd",
      "value": "100000"
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "kind": "limit",
      "unit": "usd",
      "value": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "kind": "limit",
      "unit": "usd",
      "value": "30000000"
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "kind": "limit",
      "unit": "usd",
      "value": null
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "kind": "limit",
      "unit": "usd",
      "value": "500000"
    },
    {
      "policy_id": "POL-mw-classic-p_home",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "kind": "deductible",
      "unit": "pct",
      "value": "0.015"
    }
  ],
  "row_count": 7,
  "truncated": false
}

⚙ price_check(POL-mw-classic-p_home, 2025-06-01)

{
  "policy_id": "POL-mw-classic-p_home",
  "as_of": "2025-06-01"
}

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

⚙ query_db(SELECT d.dwelling_id, d.type, d.year_built, d.construction, d.roof_age, d.sq_…)

{
  "sql": "SELECT d.dwelling_id, d.type, d.year_built, d.construction, d.roof_age, d.sq_ft, d.replacement_cost_cents, d.protection_class, d.dist_to_coast_mi, d.hoa_master_deductible_cents, a.state, a.region FROM dwellings d JOIN customers c ON c.cust_id = d.cust_id LEFT JOIN addresses a ON a.address_id = c.address_id WHERE c.cust_id = 'CUST-mw-classic'"
}

{
  "rows": [
    {
      "dwelling_id": "DWL-mw-classic-d1",
      "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,
      "state": "OH",
      "region": "R-MW"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT td.tier_id, c.code, c.label, td.included, td.default_value, td.editabl…)

{
  "sql": "SELECT td.tier_id, c.code, c.label, td.included, td.default_value, td.editable FROM tier_coverage_defaults td JOIN coverages c ON c.coverage_id = td.coverage_id WHERE td.tier_id IN ('HOME:SAPLING','HOME:PINE','HOME:EVERGREEN','HOME:SEQUOIA') ORDER BY td.tier_id, c.code"
}

{
  "rows": [
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "included": 1,
      "default_value": "50000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "OTHER_STR",
      "label": "Other Structures (Coverage B)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "ROOF_ACV",
      "label": "Roof Actual-Cash-Value Schedule",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "SERVICE_LN",
      "label": "Service Line",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "included": 1,
      "default_value": "1000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "included": 1,
      "default_value": "5000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "included": 1,
      "default_value": "30000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "included": 1,
      "default_value": "200000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "OTHER_STR",
      "label": "Other Structures (Coverage B)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "code": "ROOF_ACV",
      "label": "Roof Actual-Cash-Value Schedule",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "SERVICE_LN",
      "label": "Service Line",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "included": 1,
      "default_value": "2500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "included": 1,
      "default_value": "250000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "OTHER_STR",
      "label": "Other Structures (Coverage B)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "ROOF_ACV",
      "label": "Roof Actual-Cash-Value Schedule",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "SERVICE_LN",
      "label": "Service Line",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "included": 1,
      "default_value": "0.05",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "included": 1,
      "default_value": "20000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "included": 1,
      "default_value": "100000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "included": 1,
      "default_value": "1000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "OTHER_STR",
      "label": "Other Structures (Coverage B)",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "ROOF_ACV",
      "label": "Roof Actual-Cash-Value Schedule",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "SERVICE_LN",
      "label": "Service Line",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "included": 1,
      "default_value": "2500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "included": 1,
      "default_value": "0.01",
      "editable": 1
    }
  ],
  "row_count": 44,
  "truncated": false
}

⚙ query_db(SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effecti…)

{
  "sql": "SELECT rule_id, line, tier_id, coverage_id, state, effect, condition, effective_start, effective_end, reason_doc, notes FROM eligibility_rules WHERE line = 'HOME' AND state IN ('OH', '*') AND (tier_id IN ('HOME:SAPLING','HOME:PINE','HOME:EVERGREEN','HOME:SEQUOIA') OR tier_id IS NULL) ORDER BY tier_id, coverage_id, rule_id"
}

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

Yes — if everything else were equal, 2% on your home would be more than your current wind/hail deductible.

On your home value:

your current 1.5% wind/hail deductible = $4,500
a 2% wind/hail deductible would be $6,000

So on that one point alone, your current deductible is better.

As for whether you should switch to a newer plan: maybe, but not automatically.

What I can tell from your file:

You’re on a retired legacy tier: Evergreen Classic.
That legacy tier is no longer sold and can’t be re-bound once left.
Your current setup includes:
- Personal property: $150,000
- Liability: $300,000
- Medical payments: $5,000
- All-peril deductible: $1,000
- Wind/hail deductible: 1.5% = $4,500

Compared with current home tiers, there are tradeoffs:

Newer lower/mid tiers often use a 2% wind/hail deductible by default, which would be worse than what you have.
Some newer tiers include extras like service line coverage or higher water backup limits.
Higher tiers can improve some deductibles and liability limits, but they may also cost more.

The big caution is this:

if you switch off Evergreen Classic, you likely can’t get it back
so I would not recommend changing just because your neighbor has a newer form

Right now, your current plan looks pretty decent on the deductible question specifically.

If you want, I can do a side-by-side quote comparison for current home tiers so you can see:

what coverage changes,
what the wind/hail deductible would become,
and whether the premium would go up or down.

If you want that, I’ll compare your current policy against the current HOME tiers for Ohio.

47k in · 963 out · $0.05 · 22.7s

Customer

Hmm, okay. So if I leave this plan I can't get back to it — that's good to know. And it sounds like my wind/hail deductible is actually better than hers, so I'm not getting ripped off there. I think I'm going to hold off on switching for now. I don't want to lose this plan if I'm not sure it's worth it. Thanks for explaining all that though — that really helped.

Agent

⚙ end_conversation()

{}

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

You’re very welcome — that sounds like a sensible call.

Keeping your current legacy plan avoids giving up a deductible setup that’s favorable on wind/hail, and you can always revisit a comparison later if you want.

Thanks for choosing PEICO. Have a great day!

24k in · 71 out · $0.01 · 2.9s