The Intelligent Agent
The Intelligent Agent
Built for Personal Lines

Personal lines clients deserve a plain-English answer.

HO-3 vs HO-5, named perils vs open perils, personal umbrella drop-down - answer the client's question in their language and reading level. Spanish, Vietnamese, Mandarin, and 17 more.

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Does the named insured's umbrella drop down for an auto liability claim if the personal auto policy is exhausted?

Yes, on this insured's policy. Your Personal Umbrella endorsement [1] follows form to the underlying Personal Auto liability limits of $250k/$500k/$100k. Once those are exhausted, the umbrella responds up to the $1M aggregate limit.

Coverage is subject to the SIR of $250 for non-underlying claims [2].

[1] Smith_PUP_2024.pdf p.4[2] PAL_Endorsement_22.pdf p.2

The pain we take off your plate.

'Why isn't my flood damage covered?'

Explain the standard HO exclusion in 30 seconds, in the language the client speaks, with the form citation if they ask.

Umbrella drop-down questions

Does the personal umbrella respond when underlying auto is exhausted? It depends on the form. We'll cite which one.

Renewal review at scale

Run 200 renewals through coverage gaps in an afternoon, not a quarter.

What's in the brain.

Stacked across Personal Lines - plus your own house knowledge once you upload it.

  • ISO HO-3 / HO-5 / HO-4 / HO-6 forms
  • Personal Auto Policy (PAP) form
  • Personal Umbrella forms (drop-down vs follow-form)
  • State-by-state PIP and UM/UIM rules
  • Flood (NFIP) and Earthquake fundamentals
  • Inland marine schedules and valuables

Try a question.

A client's pipe burst while they were on vacation 3 weeks. Is the resulting water damage covered under HO-3?
On a standard ISO HO 00 03 05 11, water damage from a burst pipe is generally covered, BUT exclusion 1.f.6 voids coverage if the dwelling has been vacant for 60+ consecutive days OR if the loss is from freezing while heat was not maintained. Three weeks ≠ vacant by the form, but you should check whether the heat was on - some endorsements tighten this further. [1] HO 00 03 p.10 §A.1.f.6.

"Our Spanish-speaking clients now get the same quality of coverage explanation our English-speaking clients do. That alone justified it."

- CSR lead, multi-location agency

Ready to see it on your book?

Auto, home, and umbrella - explained at a 6th-grade reading level if you need it.