Quotor — Home & Auto Insurance Quotes

Confirm whether Libertas can quote and bind insurance for the customer in their state. Call this first — before collecting any personal details — when the customer asks about insurance prices, switching carriers, or shopping for coverage. State is supplied automatically from the request context (the

Begin a new home, auto, or bundled insurance quote. Returns a quote ID to use on every following call. Call this when the customer wants to get an insurance price. INTAKE ORDER (Kyle 2026-06-11 — collect in this order, ONE coherent chunk per turn): 1. HOME/BUNDLE: full name + date of birth for EV

Set or refine any quote parameter except regulated enrichment fields (credit score, MVR, CLUE, VIN-decoded vehicle attributes, public-record property attributes). Idempotent — call as many times as needed; the most recent value wins. Returns which fields were applied, which were rejected (with reaso

Fire all eligible A-rated carriers in parallel AND kick off live rate-finishing. RETURNS IMMEDIATELY — does NOT wait. TWO STAGES follow: 1. First numbers land in 30–90 seconds. Options surface as honest price RANGES — the low end is the carrier's indicative, so the final verified rate usually lan

Check rating + live-finishing progress. Call between wait-phase questions (every customer turn or two after get_quote_options). Returns one of: - 'running' — indicatives still landing; continue the wait-phase conversation, call again next turn. - 'quoted' — options[] is populated. CHECK THE 'fin

Pull the full coverage breakdown, deductibles, applied discounts, and payment plan options for a single masked option (Home Carrier A, Auto Carrier B, etc.). Use when the customer wants to dig into a specific quote before deciding. Carrier name remains masked.

Generate a single-use secure link, valid for 7 days, that the customer can follow to a Libertas bind-request page. The chat widget will usually render an inline 'Request Bind' card directly — prefer request_bind_inline for the in-chat flow. Use get_bind_link when the customer wants to leave the chat

Submit the customer's bind request from the chat. Triggers an internal task for our licensed team to follow up. THIS IS NOT INSTANT BIND — no payment is collected and no coverage starts from this call; a licensed agent completes underwriting verification, payment, and carrier confirmation afterward,

Save-the-sale tool — call when the customer signals dissatisfaction with the current options ("too expensive", "let me think", "what else do you have", "is this the best you can do", "I'll check elsewhere", "can you do better"). Some carriers (Foremost STAR, etc.) run slower than the initial set and

Capture a lead for an insurance product Libertas doesn't quote inline (renters, life, commercial, motorcycle, boat, RV, umbrella, condo, landlord, etc.) — OR any home/auto customer who asks to be contacted later instead of finishing the quote in chat. Creates a row in the CRM Leads bucket so a licen

Pick up an existing quote that was started in a previous session or on a different platform. The customer supplies a quote ID. Verification: if the same authenticated user (OAuth user_id matches across sessions), no extra verification is needed; otherwise the customer needs to provide an email code