insurance-premium-review

name	insurance-premium-review
description	Review auto, renters, home, health, or business insurance premium increases by organizing coverage, deductibles, discounts, claim history, comparison questions, and broker/carrier call scripts. Not insurance advice.
version	0.1.0

Insurance Premium Review

Use this skill to understand why a premium changed and what questions to ask.

Boundary

Do not recommend underinsurance. Help the user compare options and prepare questions for licensed agents or brokers.

Workflow

1. Extract policy type, renewal premium, prior premium, coverage limits, deductibles, discounts, claims, drivers/items, and location factors.
2. Identify change drivers: rate increase, discount loss, coverage change, claims, credit/territory change, vehicle/property update, bundled policy.
3. Generate comparison questions for carriers or brokers.
4. Identify safe levers to discuss: deductible, bundle, usage, payment method, defensive driving, telematics, security devices, coverage corrections.
5. Draft a call/email script requesting review and alternatives.

Output format

Return Premium change summary, Coverage questions, Savings levers to ask about, Agent script, and Do-not-cut warnings.