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 · 78s · $0.24 · 130k tok in

Verdicts

DB end-statepassed

DB end-state matches the expected changeset.

Judge rubricpassed

judge: The rep correctly identified Evergreen Classic and gave the correct $4,500 figure (1.5% of $300,000), and did disclose that the plan is retired and not re-bindable if she leaves it, satisfying both rubric requirements without making any 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 hers has a 2 percent wind and hail deductible. I have no idea what mine is, and I've been with PEICO since like 2010. Can you tell me what my wind and hail deductible actually is — in dollars?

Agent

I can look that up for you. To find the right policy and verify your identity, please provide:

Your full name
Date of birth
ZIP code on the policy
And if you have it, your PEICO policy number or legacy account number

Once verified, I’ll check your home policy’s wind/hail deductible and convert it into dollars for you.

4,760 in · 139 out · $0.0090 · 3.7s

Customer

Okay, sure. My name is Nadine Kowalski, my date of birth is April 17, 1963, and my ZIP code is 43604. My old account number is EVG6613C4.

Agent

⚙ query_db(SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.legacy_acct, a.zip, a.s…)

{
  "sql": "SELECT c.cust_id, c.first_name, c.last_name, c.dob, c.legacy_acct, a.zip, a.state, a.region, p.policy_id, p.line, p.tier_id, p.status, p.effective_date, p.expiration_date FROM customers c JOIN addresses a ON c.address_id=a.address_id LEFT JOIN policies p ON p.cust_id=c.cust_id WHERE c.last_name='Kowalski' AND c.first_name='Nadine' AND c.legacy_acct='EVG6613C4'"
}

{
  "rows": [
    {
      "cust_id": "CUST-mw-classic",
      "first_name": "Nadine",
      "last_name": "Kowalski",
      "dob": "1963-04-17",
      "legacy_acct": "EVG6613C4",
      "zip": "43604",
      "state": "OH",
      "region": "R-MW",
      "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"
    }
  ],
  "row_count": 1,
  "truncated": false
}

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

{
  "sql": "SELECT pc.policy_id, cov.coverage_id, cov.code, cov.label, cov.kind, cov.unit, pc.value, pc.premium_contribution_cents, d.dwelling_id, d.replacement_cost_cents FROM policy_coverages pc JOIN coverages cov ON pc.coverage_id=cov.coverage_id JOIN policies p ON p.policy_id=pc.policy_id 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 WHERE pc.policy_id='POL-mw-classic-p_home' ORDER BY cov.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,
      "dwelling_id": null,
      "replacement_cost_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,
      "dwelling_id": null,
      "replacement_cost_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,
      "dwelling_id": null,
      "replacement_cost_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,
      "dwelling_id": null,
      "replacement_cost_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,
      "dwelling_id": null,
      "replacement_cost_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,
      "dwelling_id": null,
      "replacement_cost_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,
      "dwelling_id": null,
      "replacement_cost_cents": null
    }
  ],
  "row_count": 7,
  "truncated": false
}

⚙ query_db(SELECT po.policy_id, po.object_type, po.object_id, d.dwelling_id, d.replaceme…)

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

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "object_type": "DWELLING",
      "object_id": "DWL-mw-classic-d1",
      "dwelling_id": "DWL-mw-classic-d1",
      "replacement_cost_cents": 30000000,
      "type": "home",
      "year_built": 1994,
      "construction": "FRAME",
      "roof_age": 9
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE cover…)

{
  "sql": "SELECT coverage_id, code, label, kind, unit, notes FROM coverages WHERE coverage_id='HOME:WIND_HAIL' OR code='WIND_HAIL'"
}

{
  "rows": [
    {
      "coverage_id": "HOME:WIND_HAIL",
      "code": "WIND_HAIL",
      "label": "Wind/Hail Deductible",
      "kind": "deductible",
      "unit": "pct",
      "notes": "% of dwelling. In FL this is the separate hurricane deductible (state rule)."
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ search_kb(wind hail deductible percentage dwelling Coverage A dollars, 5)

{
  "query": "wind hail deductible percentage dwelling Coverage A dollars",
  "limit": 5
}

{
  "results": [
    {
      "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-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-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-DISC-WHOLE-LIFE",
      "title": "Whole life disclosures: surrender, cash value, not an investment",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_W\"]}",
      "snippet": "Before binding whole life, disclose and record: (1) **surrender charges** apply for\nthe first several policy years and reduce early cash value; (2) cash value accrues\nslowly and may be borrowed against, reducing the death benefit; (3) whole…"
    },
    {
      "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…"
    }
  ]
}

Thanks, Nadine — I verified your account.

Your active PEICO homeowners policy shows a Wind/Hail Deductible of 1.5%.

That percentage applies to your dwelling coverage/replacement cost amount, which is $300,000, so your wind/hail deductible is:

$300,000 × 1.5% = $4,500

So, for a covered wind or hail claim, your separate wind/hail deductible would be $4,500. Your regular all-peril deductible on the policy is $1,000, but wind/hail uses the separate $4,500 deductible.

23k in · 796 out · $0.06 · 19.1s

Customer

Okay, so mine is $4,500. And my neighbor's is 2 percent — so that would be higher than mine if her house is worth around the same. But here's my real question: should I switch to one of those newer plans she has? Would I get a better deal, or is my plan still okay?

Agent

⚙ 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 tier_id, line, code, label, position, sellable, retired_on, notes FROM…)

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

⚙ 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='OH' OR state IS NULL) AND (effective_end IS NULL OR effective_end >= '2025-06-01') ORDER BY tier_id, coverage_id"
}

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

⚙ search_kb(HOME EVERGREEN_CLASSIC grandfathered newer plans wind hail deductible Ohio do…)

{
  "query": "HOME EVERGREEN_CLASSIC grandfathered newer plans wind hail deductible Ohio downgrade",
  "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-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-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-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 policy_id, line, tier_id, status, rating_as_of, base_premium_cents, fi…)

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

{
  "rows": [
    {
      "policy_id": "POL-mw-classic-p_home",
      "line": "HOME",
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "status": "ACTIVE",
      "rating_as_of": "2025-04-01",
      "base_premium_cents": 128000,
      "final_premium_cents": 119500,
      "premium_breakdown": null,
      "rating_inputs": null
    }
  ],
  "row_count": 1,
  "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 c.coverage_id, c.code, c.label, c.kind, c.unit, pc.value FROM policy_c…)

{
  "sql": "SELECT c.coverage_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' ORDER BY c.code"
}

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

⚙ query_db(SELECT d.*, a.state, a.region FROM dwellings d JOIN customers c ON d.cust_id=…)

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

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

⚙ 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 tier_id IN ('HOME:SAPLING','HOME:PINE','HOME:EVERGREEN','HOME:SEQUOIA','HOME:EVERGREEN_CLASSIC') ORDER BY tier_id, coverage_id"
}

{
  "rows": [
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:CONTENTS",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:DEDUCT",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:DWELL",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:LIAB",
      "included": 1,
      "default_value": "50000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:LOSS_USE",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:MEDPAY",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:OTHER_STR",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:ROOF_ACV",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:SERVICE_LN",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:WATER_BACK",
      "included": 1,
      "default_value": "1000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:CONTENTS",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:DEDUCT",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:DWELL",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:LIAB",
      "included": 1,
      "default_value": "50000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:LOSS_USE",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:MEDPAY",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:OTHER_STR",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:SERVICE_LN",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:WATER_BACK",
      "included": 1,
      "default_value": "1000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:EVERGREEN_CLASSIC",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.015",
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:CONTENTS",
      "included": 1,
      "default_value": "5000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:DEDUCT",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:DWELL",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:LIAB",
      "included": 1,
      "default_value": "30000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:LOSS_USE",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:MEDPAY",
      "included": 1,
      "default_value": "200000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:OTHER_STR",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:ROOF_ACV",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:SERVICE_LN",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:WATER_BACK",
      "included": 1,
      "default_value": "500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:PINE",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.02",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:CONTENTS",
      "included": 1,
      "default_value": "2500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:DEDUCT",
      "included": 1,
      "default_value": "250000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:DWELL",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:LIAB",
      "included": 1,
      "default_value": "10000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:LOSS_USE",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:MEDPAY",
      "included": 1,
      "default_value": "100000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:OTHER_STR",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:ROOF_ACV",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:SERVICE_LN",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:WATER_BACK",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:SAPLING",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.05",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:CONTENTS",
      "included": 1,
      "default_value": "20000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:DEDUCT",
      "included": 1,
      "default_value": "50000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:DWELL",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:LIAB",
      "included": 1,
      "default_value": "100000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:LOSS_USE",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:MEDPAY",
      "included": 1,
      "default_value": "1000000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:OTHER_STR",
      "included": 1,
      "default_value": null,
      "editable": 0
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:ROOF_ACV",
      "included": 0,
      "default_value": null,
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:SERVICE_LN",
      "included": 1,
      "default_value": "true",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:WATER_BACK",
      "included": 1,
      "default_value": "2500000",
      "editable": 1
    },
    {
      "tier_id": "HOME:SEQUOIA",
      "coverage_id": "HOME:WIND_HAIL",
      "included": 1,
      "default_value": "0.01",
      "editable": 1
    }
  ],
  "row_count": 54,
  "truncated": false
}

⚙ quote(2025-06-01, {"line":"HOME","region":"R-MW","state":"OH","tier":"EVERGREEN_CLA…)

{
  "as_of": "2025-06-01",
  "facts": {
    "line": "HOME",
    "region": "R-MW",
    "state": "OH",
    "tier": "EVERGREEN_CLASSIC",
    "replacement_cost": 30000000,
    "roof_age": 9,
    "construction": "FRAME",
    "protection_class": 5,
    "dist_to_coast_mi": 600,
    "sq_ft": 1900,
    "peico_risk": "?",
    "coverages": [
      "DWELL",
      "CONTENTS",
      "DEDUCT",
      "LIAB",
      "LOSS_USE",
      "MEDPAY",
      "WIND_HAIL"
    ],
    "coverage_values": {
      "CONTENTS": 15000000,
      "DEDUCT": 100000,
      "LIAB": 30000000,
      "MEDPAY": 500000,
      "WIND_HAIL": 0.015
    }
  }
}

{
  "error": "rate_failed",
  "detail": "'<=' not supported between instances of 'str' and 'int'"
}

⚙ query_db(SELECT c.peico_risk, c.risk_components, c.loyalty_tier, c.tenure_start, p.bun…)

{
  "sql": "SELECT c.peico_risk, c.risk_components, c.loyalty_tier, c.tenure_start, p.bundle_id, b.code as bundle_code, p.premium_breakdown, p.rating_inputs FROM customers c JOIN policies p ON p.cust_id=c.cust_id LEFT JOIN bundles b ON b.bundle_id=p.bundle_id WHERE p.policy_id='POL-mw-classic-p_home'"
}

{
  "rows": [
    {
      "peico_risk": null,
      "risk_components": null,
      "loyalty_tier": "Timber",
      "tenure_start": "2010-05-01",
      "bundle_id": null,
      "bundle_code": null,
      "premium_breakdown": null,
      "rating_inputs": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT rate_table_id, line, region, version, effective_start, effective_end, …)

{
  "sql": "SELECT rate_table_id, line, region, version, effective_start, effective_end, payload FROM rate_tables WHERE line='HOME' AND region='R-MW' AND effective_start <= '2025-06-01' AND (effective_end IS NULL OR effective_end >= '2025-06-01')"
}

{
  "rows": [
    {
      "rate_table_id": "HOME:R-MW:2025.1",
      "line": "HOME",
      "region": "R-MW",
      "version": "2025.1",
      "effective_start": "2025-01-01",
      "effective_end": "2026-12-31",
      "payload": "{\"unit\": \"per_dwelling\", \"rate_per_1000\": 4.2, \"tier_factors\": {\"SAPLING\": 0.85, \"PINE\": 1.0, \"EVERGREEN\": 1.22, \"SEQUOIA\": 1.55, \"EVERGREEN_CLASSIC\": 1.2}, \"factors\": {\"roof_age\": [{\"max\": 5, \"f\": 0.92}, {\"max\": 15, \"f\": 1.0}, {\"max\": 25, \"f\": 1.25}, {\"max\": 99, \"f\": 1.6}], \"construction\": {\"FRAME\": 1.1, \"MASONRY\": 0.95, \"FIRE_RESIST\": 0.85}, \"protection_class\": [{\"max\": 3, \"f\": 0.9}, {\"max\": 6, \"f\": 1.0}, {\"max\": 9, \"f\": 1.2}, {\"max\": 10, \"f\": 1.45}], \"dist_to_coast_mi\": [{\"max\": 1, \"f\": 1.45}, {\"max\": 5, \"f\": 1.2}, {\"max\": 25, \"f\": 1.05}, {\"max\": 99999, \"f\": 1.0}], \"risk_score\": [{\"max\": 579, \"f\": 1.4}, {\"max\": 669, \"f\": 1.15}, {\"max\": 739, \"f\": 1.0}, {\"max\": 850, \"f\": 0.88}]}, \"coverage_premiums\": {\"WATER_BACK\": 55, \"SERVICE_LN\": 30}, \"wind_hail_deductible_credit\": {\"0.01\": 1.0, \"0.02\": 0.96, \"0.05\": 0.9}, \"line\": \"HOME\", \"region\": \"R-MW\", \"region_factor\": 1.0, \"version\": \"2025.1\", \"money_unit\": \"usd\"}"
    }
  ],
  "row_count": 1,
  "truncated": false
}

⚙ query_db(SELECT pay.payment_id, pay.due, pay.paid_on, pay.amount_cents, pay.status FRO…)

{
  "sql": "SELECT pay.payment_id, pay.due, pay.paid_on, pay.amount_cents, pay.status FROM payments pay WHERE pay.policy_id='POL-mw-classic-p_home' ORDER BY pay.due DESC LIMIT 5"
}

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

⚙ query_db(SELECT cl.claim_id, cl.loss_date, cl.type, cl.status, cl.reserve_cents, cl.fr…)

{
  "sql": "SELECT cl.claim_id, cl.loss_date, cl.type, cl.status, cl.reserve_cents, cl.fraud_score FROM claims cl WHERE cl.policy_id='POL-mw-classic-p_home' ORDER BY cl.loss_date DESC"
}

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

⚙ query_db(SELECT p.policy_id, p.line, p.tier_id, p.status, p.final_premium_cents FROM p…)

{
  "sql": "SELECT p.policy_id, p.line, p.tier_id, p.status, p.final_premium_cents FROM policies p WHERE p.cust_id='CUST-mw-classic' ORDER BY p.line, p.policy_id"
}

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

Good question — and the short answer is: your current plan is still a strong grandfathered plan, and I would not switch just because your neighbor has a newer policy.

Here’s what I found on your policy:

You’re on Evergreen Classic, a retired/grandfathered homeowners tier.
It’s no longer sold and is not re-bindable if you leave it.
Your wind/hail deductible is 1.5%, while the current standard newer home tiers commonly default to 2% on Pine/Evergreen and 5% on Sapling. On your $300,000 dwelling amount:
- Your current 1.5% = $4,500
- 2% = $6,000
- 5% = $15,000
- A higher-end Sequoia tier may default to 1% = $3,000, but it generally carries higher premium and richer limits.

Your current annual premium on file is $1,195. Your plan also has some grandfathered features, especially that lower 1.5% wind/hail deductible, that you could lose by moving to a newer tier.

So unless you’re looking for specific coverage upgrades — like higher liability, more water backup, service line coverage, or lower general deductible — staying on Evergreen Classic may be a very good deal for you. If you want, I can compare your current plan side-by-side against one or two current PEICO tiers before you make any decision.

76k in · 2,508 out · $0.16 · 45.0s

Customer

Okay, that's really helpful. So if I left this plan, I couldn't get back to it — that's a big deal. I think I'm going to stay put for now. I don't need to switch anything today. Thanks for explaining all that!

Agent

⚙ end_conversation()

{}

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

You’re very welcome, Nadine. I agree — keeping that grandfathered plan is worth considering carefully before making any changes. Nothing has been changed on your policy today.

Thanks for choosing PEICO, and have a great day!

26k in · 63 out · $0.02 · 3.5s