← GPT-5.5 (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 · 47s · $0.14 · 76k tok in

Verdicts

DB end-statepassed
DB end-state matches the expected changeset.
Judge rubricpassed
judge: The rep correctly stated Gloria qualifies for a flat $120 credit, cited her premium as $5,267.97/$5,147.97 which matches the reference figures, and did not claim the credit was already applied.

Conversation

Agent

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

Customer

Hi! I saw an ad from PEICO about a coastal wind resilience credit, and I wanted to find out if my homeowners policy qualifies for it and what the actual savings would be.

Agent

I can check that for you and run the exact savings through our rating system.

To pull up your homeowners policy, please provide a couple of details to verify the account, such as:

  • Your full name
  • Date of birth
  • ZIP code on the policy
  • And either your PEICO policy number or the email/phone number on the account

Once verified, I’ll look up the wind resilience credit rules for your state/coastal area and price-check the policy to show the actual premium difference.

4,731 in · 131 out · $0.0086 · 4.2s
Customer

Sure. I'm Gloria Esposito, DOB July 19, 1969. My address is 12 Mangrove Way, Naples, FL 34102 — that's ZIP 34102. I have the email gloria.esposito@example.com on file with PEICO.

Agent
⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.statu…)
{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.email, c.phone, c.status, c.address_id, a.line1, a.city, a.state, a.zip, a.region FROM customers c JOIN addresses a ON c.address_id = a.address_id WHERE c.last_name = 'Esposito' AND c.first_name = 'Gloria' AND c.dob = '1969-07-19' AND a.zip = '34102'"
}
{
  "rows": [
    {
      "cust_id": "CUST-fl-coastal-home",
      "first_name": "Gloria",
      "last_name": "Esposito",
      "dob": "1969-07-19",
      "email": "gloria.esposito@example.com",
      "phone": null,
      "status": "CUSTOMER",
      "address_id": "ADDR-fl-coastal-home",
      "line1": "12 Mangrove Way",
      "city": "Naples",
      "state": "FL",
      "zip": "34102",
      "region": "R-SE"
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expirati…)
{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date, p.term_months, p.rating_as_of, p.base_premium_cents, p.final_premium_cents, p.premium_breakdown, p.rating_inputs, p.bundle_id FROM policies p WHERE p.cust_id = 'CUST-fl-coastal-home' AND p.line = 'HOME' ORDER BY p.effective_date DESC"
}
{
  "rows": [
    {
      "policy_id": "POL-fl-coastal-home-p_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}",
      "bundle_id": null
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ search_kb(coastal wind resilience credit homeowners Florida, 5)
{
  "query": "coastal wind resilience credit homeowners Florida",
  "limit": 5
}
{
  "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-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-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…"
    }
  ]
}
⚙ query_db(SELECT promo_code, label, scope, window_start, window_end, effect, stacks_wit…)
{
  "sql": "SELECT promo_code, label, scope, window_start, window_end, effect, stacks_with, caps, active, doc_id, notes FROM promotions WHERE label LIKE '%wind%' OR promo_code LIKE '%WIND%' OR notes LIKE '%wind%' OR label LIKE '%coastal%' OR promo_code LIKE '%COAST%' OR notes 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,
      "doc_id": "KB-PROMO-COASTALSHIELD",
      "notes": "SE region only; intended for wind-mitigated dwellings."
    }
  ],
  "row_count": 1,
  "truncated": false
}
⚙ query_db(SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM…)
{
  "sql": "SELECT discount_id, code, label, effect, stack_order, eligibility, notes FROM discounts WHERE label LIKE '%wind%' OR code LIKE '%WIND%' OR notes LIKE '%wind%' OR label LIKE '%coastal%' OR code LIKE '%COAST%' OR notes LIKE '%coastal%' OR label LIKE '%resilien%' OR notes LIKE '%resilien%'"
}
{
  "rows": [],
  "row_count": 0,
  "truncated": false
}
⚙ query_db(SELECT er.rule_id, er.line, er.tier_id, er.coverage_id, er.state, er.effect, …)
{
  "sql": "SELECT er.rule_id, er.line, er.tier_id, er.coverage_id, er.state, er.effect, er.condition, er.effective_start, er.effective_end, er.reason_doc, er.notes FROM eligibility_rules er WHERE er.line = 'HOME' AND (er.state = 'FL' OR er.state IS NULL) AND (er.condition LIKE '%wind%' OR er.notes LIKE '%wind%' OR er.condition LIKE '%coast%' OR er.notes LIKE '%coast%' OR er.condition LIKE '%roof%' OR er.notes LIKE '%roof%')"
}
{
  "rows": [],
  "row_count": 0,
  "truncated": false
}
⚙ 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 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 FROM policy_objects po JOIN dwellings d ON po.object_id = d.dwelling_id WHERE po.policy_id = 'POL-fl-coastal-home-p_home' AND po.object_type = 'dwelling'"
}
{
  "rows": [
    {
      "dwelling_id": "DWL-fl-coastal-home-d1",
      "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 pc.policy_id, c.code, c.label, c.kind, c.unit, pc.value, pc.premium_co…)
{
  "sql": "SELECT pc.policy_id, c.code, c.label, c.kind, c.unit, pc.value, pc.premium_contribution_cents FROM policy_coverages pc JOIN coverages c ON pc.coverage_id = c.coverage_id WHERE pc.policy_id = 'POL-fl-coastal-home-p_home' ORDER BY c.code"
}
{
  "rows": [
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "CONTENTS",
      "label": "Personal Property (Coverage C)",
      "kind": "limit",
      "unit": "usd",
      "value": "20000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "DEDUCT",
      "label": "All-Peril Deductible",
      "kind": "deductible",
      "unit": "usd",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "DWELL",
      "label": "Dwelling (Coverage A)",
      "kind": "limit",
      "unit": "usd",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "LIAB",
      "label": "Personal Liability (Coverage E)",
      "kind": "limit",
      "unit": "usd",
      "value": "100000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "LOSS_USE",
      "label": "Loss of Use (Coverage D)",
      "kind": "limit",
      "unit": "usd",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "MEDPAY",
      "label": "Medical Payments (Coverage F)",
      "kind": "limit",
      "unit": "usd",
      "value": "1000000",
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "OTHER_STR",
      "label": "Other Structures (Coverage B)",
      "kind": "limit",
      "unit": "usd",
      "value": null,
      "premium_contribution_cents": null
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "SERVICE_LN",
      "label": "Service Line",
      "kind": "flag",
      "unit": "bool",
      "value": "true",
      "premium_contribution_cents": 3000
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "WATER_BACK",
      "label": "Water Backup",
      "kind": "limit",
      "unit": "usd",
      "value": "2500000",
      "premium_contribution_cents": 5500
    },
    {
      "policy_id": "POL-fl-coastal-home-p_home",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "kind": "deductible",
      "unit": "pct",
      "value": "0.01",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 10,
  "truncated": false
}
⚙ query_db(SELECT t.tier_id, t.code, t.label, t.sellable, t.retired_on FROM tiers t WHER…)
{
  "sql": "SELECT t.tier_id, t.code, t.label, t.sellable, t.retired_on FROM tiers t WHERE t.tier_id = 'HOME:SEQUOIA'"
}
{
  "rows": [
    {
      "tier_id": "HOME:SEQUOIA",
      "code": "SEQUOIA",
      "label": "Sequoia",
      "sellable": 1,
      "retired_on": null
    }
  ],
  "row_count": 1,
  "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(2025-06-01, {"line":"HOME","tier":"SEQUOIA","region":"R-SE","state":"FL","ter…)
{
  "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": "COASTALSHIELD",
    "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
  }
}
{
  "as_of": "2025-06-01",
  "base_premium_cents": 574173,
  "final_premium_cents": 514797,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "$4.2/$1k × RC $520,000.0",
      "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
    },
    {
      "step": "PROMO",
      "code": "COASTALSHIELD",
      "detail": "−$120 (cap $120)",
      "factor": null,
      "amount_cents": -12000,
      "running_cents": 514797
    }
  ]
}

Thanks, Gloria — I found and verified your account and active homeowners policy.

Yes, your homeowners policy appears to qualify for the Coastal Wind Resilience Credit:

  • Policy: POL-fl-coastal-home-p_home
  • Location: Naples, FL — Southeast region
  • Line: Homeowners
  • Current policy status: Active
  • Promo window: 05/01/2025–11/30/2026
  • Credit terms: $120 off, capped at $120, with a $600 minimum premium floor

I ran a read-only price check using today’s date, 06/01/2025.

Your current annual premium is $5,267.97.

With the Coastal Wind Resilience Credit applied, the annual premium would be $5,147.97.

That’s an actual savings of $120.00 per year.

This was only a quote/check — I have not applied the credit to your policy yet. Would you like me to apply the COASTALSHIELD credit to your homeowners policy?

38k in · 1,697 out · $0.11 · 24.8s
Customer

Is that $120 per year, and is that the most it can be?

Agent

Yes — for your policy, it is $120 per year.

And yes, under the COASTALSHIELD terms I found, $120 is the maximum credit:

  • The promotion is a dollar-off credit, not a percentage.
  • It is capped at $120.
  • Your quoted result shows the full cap being applied: −$120.00.
  • Your premium is well above the $600 minimum premium floor, so the floor does not reduce the credit.

So your annual homeowners premium would go from $5,267.97 to $5,147.97, saving the full $120.00.

11k in · 142 out · $0.01 · 3.0s
Customer

Got it, thanks. That's helpful to know. I don't need to apply it right now — just wanted to see if I qualified and what the actual number was. This answers my question. Thanks for checking that for me!

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

You’re very welcome, Gloria. I’m glad I could confirm the qualification and exact savings for you. Thanks for contacting PEICO, and have a great day!

22k in · 50 out · $0.02 · 7.1s