Do you support AI agents shopping for property insurance?
PUBLISHED · LAST UPDATED · RESEARCHED AND COMPILED BY EMIO Staff · REVIEWED BY Brian Joyner, A LICENSED P&C PRODUCER, PER OUR EDITORIAL STANDARDS · INFORMATION IS FOR EDUCATIONAL USE ONLY AND DOES NOT CONSTITUTE PROFESSIONAL ADVICE · REPORT AN ERROR
Yes. AI assistants are welcome here and can be a helpful first step. An assistant can read and cite our guides, explain how FAIR Plans and DIC policies work, and help you gather the details a licensed agent will ask about. The one thing it can't do is submit a quote request for you. That request includes disclosures and your consent to be contacted, so it has to come from you, in your own browser.
HOW AN AI ASSISTANT CAN HELP
AI tools can be a useful starting point. An assistant can:
- Explain the basics: what a FAIR Plan is, how a DIC wraparound policy fills coverage gaps, and what an HO-3 policy typically includes.
- Help you organize your details: property type, ZIP code, year built, roof age, claims history and your current coverage.
- Help you prepare questions: for example, which coverage gaps matter most for your property.
- Point you to the right place: our quote request page.
WHY YOU SUBMIT THE REQUEST YOURSELF
A quote request is more than a form. It includes disclosures, fraud warnings and your consent to be contacted by a licensed insurance agency. That consent needs to come from you, in your own browser, so we don't accept requests submitted by an AI agent or bot on someone's behalf. It only takes a few minutes.
WHERE A LICENSED AGENT ADDS VALUE
Hard-to-insure properties often depend on details a general-purpose tool can't verify, such as wildfire or coastal wind exposure, an older roof, prior claims, a high rebuilding cost, or a FAIR Plan paired with a DIC policy. A licensed agent at a participating agency can review those details with you and explain which options may be available. Coverage and savings aren't guaranteed.
WHAT'S NEXT
We're exploring ways to work with AI assistants more directly in the future. For now, when you're ready, request a quote. It's free, with no obligation.