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Foresee enables AI assistants to compare home and auto insurance across every carrier and coverage option, by providing instant, accurate, detailed quote estimates.

Using Foresee

Foresee hosts two MCP servers:

Users who want a simple, low-friction quote estimate without giving up their PII use:

https://mcp.go-foresee.com/mcp

Users who also want to confirm quotes estimates directly with carriers can dispatch Foresee's computer use agents via:

https://agents.go-foresee.com/mcp

Neither server requires authentication.

Tools

Foresee publishes two tools on the MCP servers:

Tool	Purpose	agents.	mcp.
`quote_insurance`	Generate instant, accurate, detailed quote estimates	✅	✅
`live_carrier_quotes`	Confirm quote estimates with carriers	✅	❌

Tool 1: `quote_insurance`

Purpose: generate instant, itemized quote estimates from the carriers Foresee supports, across the lines and states Foresee currently serves, in one call.

Input Parameters

Parameter	Type	Required	Details
`profile`	object	yes	see Profile
`lines`	object	yes	Keys are the lines to price (`auto`, `home`, `renters`); values are that line's coverage options (see Coverage options)
`carriers`	string[]	no	Defaults to "all carriers"
`include_partial`	boolean	no	`false`
`include_failures`	boolean	no	`true`

Profile

Core Profile

There is a core input profile, plus additional blocks for auto and home/renters insurance. The only required fields are age (or dob), ZIP, and (for auto insurance) vehicle details.

Omitted optional fields become declared assumptions: we choose a conservative stand-in, reported back as assumptions — e.g. annual_mileage = 12000, with a tighten_by entry listing the assumptions which would move the price the most. prior_insurance means insurance for the same line; companion_policies means insurance for a different line

Field	Type	Required
`zip_code`	string	yes
`age`	integer	yes
`dob`	string, `YYYY-MM-DD`	accepted alternative to `age`
`city`	string	no
`gender`	string	no
`marital_status`	string	no
`education`	string	no
`employment_status`	string	no
`occupation`	string	no
`credit_range`	string	no
`home_ownership_status`	string	no
`residence_type`	string	no
`military_affiliation`	string	no
`memberships`	string[]	no
`effective_date`	string	no
`prior_insurance`	object	no
`companion_policies`	string[]	no

Auto Insurance Profile

Field	Type	Required
`auto.vehicles[].year`	integer	yes
`auto.vehicles[].make`	string	yes
`auto.vehicles[].model`	string	yes
`auto.vehicles[].ownership`	string	no
`auto.vehicles[].annual_mileage`	integer	no
`auto.vehicles[].primary_use`	string	no
`auto.vehicles[].garaging_zip`	string	no
`auto.drivers[].relation`	string	no (`self` for the first)
`auto.drivers[].dob`	string	no
`auto.drivers[].years_licensed`	integer	no
`auto.drivers[].accidents`	object[]	no
`auto.drivers[].violations`	object[]	no
`auto.drivers[].sr22_required`	boolean	no

accidents and violations are lists of structured objects, where an empty list is a clean record.

Home & Renters Insurance Profile

Field	Type	Required
`property.year_built`	integer	no
`property.construction_type`	string	no
`property.roof_type`	string	no
`property.square_feet`	integer	no
`property.protection_class`	string	no
`property.replacement_cost`	integer	no
`property.devices`	string[]	no
`property.losses`	object[]	no

Coverage options

Each key in lines takes that line's coverage options. Nothing is priced at a server default: the options you pass are the ones priced.

Auto

Option	Type	Required	What it covers
`bi`	string	yes	Bodily injury liability: injuries you cause to other people. Per-person/per-accident limit in $000s, e.g. `"100/300"`
`pd`	integer	yes	Property damage liability: damage you cause to other people's cars and property. Limit in $000s, e.g. `100`
`coll_deductible`	integer	yes	Collision: damage to your own car from a crash, whoever is at fault. The deductible you pay per claim, in dollars
`comp_deductible`	integer	yes	Comprehensive: damage to your own car from anything other than a crash — theft, fire, hail, vandalism, hitting an animal. The deductible you pay per claim, in dollars
`um`	string	no	Uninsured/underinsured motorist: your injuries when the at-fault driver has no or too little insurance. Per-person/per-accident limit in $000s, e.g. `"100/300"`
`medpay`	integer	no	Medical payments: medical bills for you and your passengers, whoever is at fault. Limit in dollars, e.g. `5000`

Home

Option	Type	Required	What it covers
`coverage_a`	integer	yes	Dwelling: rebuilding the house itself. Limit in dollars, usually the replacement cost
`coverage_e`	integer	yes	Personal liability: injuries or damage you're legally responsible for, on or off the property. Limit in dollars
`coverage_f`	integer	yes	Medical payments to others: a guest's medical bills after an injury on your property, whoever is at fault. Limit in dollars
`aop_deductible`	integer	yes	All-other-perils deductible: what you pay per claim for everything except perils with their own deductible (such as earthquake). In dollars

Coverages B (other structures, such as a detached garage or fence), C (personal property — your belongings), and D (loss of use — living costs while the house can't be lived in) are not asked in dollars — they come back in sel as ratios of Coverage A that were priced.

Renters

Option	Type	Required	What it covers
`coverage_c`	integer	yes	Personal property: your belongings. Limit in dollars
`coverage_e`	integer	yes	Personal liability: injuries or damage you're legally responsible for. Limit in dollars
`coverage_f`	integer	yes	Medical payments to others: a guest's medical bills after an injury in your home, whoever is at fault. Limit in dollars
`deductible`	integer	yes	What you pay per claim before coverage starts. In dollars
`coverage_d`	integer	no	Loss of use: extra living costs if you have to move out while the place is repaired. Limit in dollars

Response format

Prefix	Frequency	Meaning
`Q`	once per line	What was priced: state, line of business, coverage selection
`format:` `factors:`	once per line	Self-describing legend for everything below
`assumptions:`	once per line	Assumptions made by Foresee; `high_impact: true` means that this field materially moves the quote estimate
`tighten_by:`	once per line	The assumptions/missing facts that would most move the price
`not_priced:`	when applicable	Carriers excluded, with the reason
`C`	once per carrier	Carrier, writing entity, monthly premium (point estimate and confidence interval)
`W`	as needed	Warning attached to the carrier above - e.g. "Does not write state minimum BI / PD"
`L`	once per carrier	Monthly cost per coverage or peril
`F`	many per carrier	One rating factor per line, named in the `factors:` legend. Values align one-to-one with the `L` codes: blank = doesn't touch that coverage, a single value = applies to every coverage. The parenthetical is the row the profile landed on (a rung like `100/300`, a fact like `90066`, or `applied` / `not applied`). Value suffix: none = exact, `~` = derived, `?` = estimated
`D`	per carrier	Price ladders: for each coverage lever, every offered rung as ±$/mo against the quoted monthly, everything else held at the selection. `+0.00` marks the selected rung; `(asked X)` = X isn't offered and the price sits at the nearest offered rung. Re-price from `D`; don't re-call

Example: auto

A 41-year-old in ZIP 90066 with a 2021 Honda Civic.

Mercury shows the plain carrier cell; Travelers rates through two possible writing entities, so its cell carries a ci segment (the placement span). USAA lands in not_priced with the carrier's own reason.

Every omitted profile field comes back as a declared assumption — the fat assumptions: block below is caused by the thin request above, and tighten_by: lists the seven answers that would most move the price. Mercury shows the plain carrier cell; Travelers rates through two possible writing entities, so its cell carries a ci segment (the placement span). USAA lands in not_priced with the carrier's own reason.

Auto L codes are the coverages the carrier prices (combined BIPD, or split BI/PD, plus collision, comprehensive, UM, fees). They are not normalized across the panel.

Request + Response

{
  "profile": {
    "zip_code": "90066",
    "age": 41,
    "auto": {"vehicles": [{"year": 2021, "make": "Honda", "model": "Civic"}]}
  },
  "lines": {"auto": {"bi": "100/300", "pd": 100, "coll_deductible": 500, "comp_deductible": 500}},
  "carriers": ["mercury", "travelers", "usaa"]
}

Q CA auto sel={"bi":"100/300","coll_deductible":500,"comp_deductible":500,"pd":100}
format: Q state [line] sel=<coverage_selection priced, JSON> ; C=carrier|entity|monthly|ci lo-hi ; tighten_by=missing facts that most move the price — offer to re-quote with the user's answers ; L COV:$,.. = monthly $ per coverage ; F fid(selected)=v,v,.. = rating factor, one value per coverage in the L order, blank=not applied, single value=all coverages, suffix ?=estimated ~=derived none=exact ; D lever selected=option:±$/mo vs the carrier's monthly, others held at the selection (selected(asked X) = X is not an option; the price is at the selected rung shown) ; W = warning — e.g. an asked limit is not offered and the price covers the nearest offered rung instead
factors: f0=BI Limit f1=Good Driver f2=Group Placement (Rule G) f3=PD Limit f4=UMBI Limit f5=Medical Payments Limit f6=Comprehensive Deductible f7=Collision Deductible f8=Vehicle Symbol f9=ca_good_driver_pri f10=group f11=UM Limit
assumptions: [{"assumed":"Male","field":"gender","high_impact":false},{"assumed":"Single","field":"marital_status","high_impact":false},{"assumed":12000,"field":"annual_mileage","high_impact":true},{"assumed":0,"field":"accidents_3yr","high_impact":true},{"assumed":0,"field":"violations_3yr","high_impact":true},{"assumed":false,"field":"dui","high_impact":true},{"assumed":false,"field":"currently_insured","high_impact":true},{"assumed":null,"field":"homeowner","high_impact":false},{"assumed":null,"field":"occupation","high_impact":true},{"assumed":null,"field":"memberships","high_impact":true}]
tighten_by: annual_mileage,accidents_3yr,violations_3yr,dui,currently_insured,occupation,memberships
not_priced: usaa:USAA sells only to military members, veterans, and their fam
C mercury|Mercury Insurance Company|235.11
L BI:56.33,PD:44.10,UMBI:16.85,MP:0.97,COMP:17.49,COLL:99.38
F f0(100/300)=1.51,,,,,
F f1(applied)=0.8
F f2(not applied)=1.0
F f3(100)=,1.38,,,,
F f4(30/60)=,,1.65,,,
F f5(1000)=,,,1.0,,
F f6(500)=,,,,0.89,
F f7(500)=,,,,,1.0
D bi 100/300=15/30 *available through December 31, 2024:-19.03,25/50 *available through December 31, 2024:-14.18,30/60 *available on or after January 1, 2025:-9.70,50/100:-6.72,100/300:+0.00,250/500:+12.31,300/300:+12.68,500/500:+23.13
D pd 100=5:-15.34,10:-12.14,15:-9.27,25:-7.99,50:-2.88,100:+0.00,250:+2.56,300:+3.83
D coll_deductible 500=100:+19.87,200:+14.91,250:+12.42,500:+0.00,1000:-9.94,2000:-29.81,2500:-39.75
D comp_deductible 500=25:+25.74,50:+17.88,100:+11.00,200:+6.09,250:+2.75,500:+0.00,1000:-2.75,2000:-5.70,2500:-8.06
C travelers|Travelers Commercial Insurance Company|368.50|ci 327.21-415.00
L BI:149.00,PD:70.17,CP:15.50,CL:114.33,UMBI:19.50
F f0(100000/300000)=1.649,,,,
F f8(symbol AA)=1.009?,1.003?,,,
F f9(applied)=0.8
F f10(not applied)=1.0
F f3(100000)=,1.443,,,
F f6(500)=,,0.627,,
F f8(symbol 12)=,,0.941?,,
F f7(500)=,,,0.801,
F f8(symbol 17)=,,,1.013?,
F f11(30000/60000)=,,,,1.5
F f8(symbol 1)=,,,,1.0?
D pd 100=5:-21.50,10:-10.50,15:-6.67,25:-2.83,50:-0.67,100:+0.00,250:+0.50,300:+0.83,500:+1.17
present: Lead with the best option for this user — its price and a one-line reason — then a comparison sorted cheapest-first (Carrier · Monthly · 6-month total; a markdown table when your surface renders it) and the annual dollar spread between cheapest and priciest — that spread is the reason to compare. These are Foresee's estimates of what each carrier will charge; the assumptions and tighten_by blocks say how they were made and how to sharpen them. Foresee never takes payment: when the user settles on a carrier (or asks to buy), give that carrier's carrier_quote_url as a clickable link — the purchase completes on the carrier's own quoting portal.

Example: home

The same 41-year-old as above, insuring a frame house built in 1998 with a replacement cost of $450,000:

sel echoes B/C/D as the ratios of Coverage A that were priced. Mercury's L is a peril decomposition (fire, water, wildfire, fees); AAA files a packaged premium instead. Dwelling facts are in assumptions:/tighten_by: — here roof type, protection class, and a clean loss history.

Request + Response

{
  "profile": {
    "zip_code": "90066",
    "age": 41,
    "property": {"year_built": 1998, "construction_type": "frame", "replacement_cost": 450000}
  },
  "lines": {"home": {"coverage_a": 450000, "coverage_e": 300000, "coverage_f": 1000, "aop_deductible": 1000}},
  "carriers": ["mercury", "autoclub"]
}

Q CA home sel={"aop_deductible":1000,"coverage_a":450000,"coverage_b_pct":0.1,"coverage_c_pct":0.5,"coverage_d_pct":0.2,"coverage_e":300000,"coverage_f":1000}
format: Q state [line] sel=<coverage_selection priced, JSON> ; C=carrier|entity|monthly|ci lo-hi ; tighten_by=missing facts that most move the price — offer to re-quote with the user's answers ; L COV:$,.. = monthly $ per coverage ; F fid(selected)=v,v,.. = rating factor, one value per coverage in the L order, blank=not applied, single value=all coverages, suffix ?=estimated ~=derived none=exact ; D lever selected=option:±$/mo vs the carrier's monthly, others held at the selection (selected(asked X) = X is not an option; the price is at the selected rung shown) ; W = warning — e.g. an asked limit is not offered and the price covers the nearest offered rung instead
factors: f0=Deductible f1=Coverage A f2=Multiple Policy Discount (Automobile) f3=Personal Property Replacement Cost f4=Additional Replacement Cost f5=Ordinance or Law f6=Reduced Coverage Endorsement f7=Coverage E f8=Coverage F f9=Enhanced Home Package f10=Water Backup Limit f11=Other Perils Deductible (Table 5 relativity, additive) f12=Water Deductible (Table 5 relativity, additive) f13=Coverage A / Amount of Insurance Relativity (Table 5) f14=Package Discount (Exchange auto policy)
assumptions: [{"assumed":"Asphalt Shingle","field":"roof_type","high_impact":false},{"assumed":1,"field":"stories","high_impact":false},{"assumed":2,"field":"bathrooms","high_impact":false},{"assumed":1,"field":"families","high_impact":false},{"assumed":"Primary","field":"residency_type","high_impact":false},{"assumed":5,"field":"protection_class","high_impact":true},{"assumed":"Attached","field":"garage_type","high_impact":false},{"assumed":"Single","field":"marital_status","high_impact":false},{"assumed":[],"field":"home_losses","high_impact":true}]
tighten_by: protection_class,home_losses
C mercury|CALIFORNIA AUTOMOBILE INS CO|123.67
L P1_FIRE:34.69,P2_LIABILITY:6.39,P3_THEFT:6.40,P4_WIND:2.68,P5_WATER:61.56,P6_OTHER:3.57,P7_CAT_WIND:0.97,P10_CAT_WATER:0.04,P12_WILDFIRE:0.43,P13_FFEQ:1.36,WC_RESIDENCE_EMPLOYEES_910:0.67,FEE:3.75,FEE:1.16,FEE:0.01
F f0(1000)=0.95,,0.887,0.963,1.0,0.909,0.963,1.0,0.95,0.95,,,,
F f1(450000)=1.895,1.206,1.142,0.901,2.519,1.176,0.901,2.519,1.518,2.313,,,,
F f2(No)=1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,,,,
F f3(No)=1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,,,,
F f4(No)=1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,,,,
F f5(0.1)=1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,,,,
F f6(No)=1.0,,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,,,,
F f7(300000)=,1.5,,,,1.0,,,,,,,,
F f8(1000)=,1.5,,,,,,,,,,,,
F f9(No)=,,1.0,1.0,1.0,1.0,1.0,1.0,,,,,,
F f10(No)=,,,,1.0,,,1.0,,,,,,
D aop_deductible 1000=500:+13.38,1000:+0.00,1500:-5.38,2500:-21.45,3500:-26.58,5000:-37.01,10000:-48.28,25000:-63.01,50000:-72.51
D coverage_a 450000=30000:-90.60,65000:-82.94,95000:-76.38,130000:-68.81,165000:-61.24,195000:-54.76,230000:-47.27,265000:-39.79,295000:-33.39,330000:-25.82,365000:-18.34,395000:-11.94,430000:-4.37,445000:-1.17,450000:+0.00,455000:+1.01,465000:+3.20,500000:+10.86,570000:+26.34,630000:+39.88,700000:+56.03,770000:+72.77,830000:+87.49,900000:+105.41,970000:+124.09,2500000:+523.01,6000000:+1464.79
D coverage_e 300000=100000:-1.34,200000:-0.58,300000:+0.00,500000:+0.68,1000000:+4.04
D coverage_f 1000=1000:+0.00,2000:+0.17,5000:+0.42
C autoclub|Interinsurance Exchange of the Automobile Club|146.10
L Package:139.00,MedPayIL:0.00,LiabilityIL:2.08,BrushFire:0.00,FireFollowingEQ:3.42,FEE:1.60
F f11(1000)=0.393,,,,,
F f12(1000)=1.092,,,,,
F f13(450000)=1.485,,,,,
F f14(No)=1.0,,,,,
D aop_deductible 1000=500:+20.98,750:+7.59,1000:+0.00,1500:-11.45,2000:-16.93,3000:-21.06,5000:-25.36,10000:-28.73,15000:-51.90,20000:-63.44,25000:-71.53,30000:-77.34,50000:-90.49
D coverage_a 450000=60000:-120.65,90000:-115.51,110000:-110.96,130000:-105.66,150000:-99.59,170000:-92.85,190000:-86.53,220000:-76.17,250000:-64.54,280000:-54.09,320000:-40.02,350000:-29.15,360000:-26.54,400000:-16.00,440000:-3.62,450000:+0.00,460000:+2.45,480000:+9.44,550000:+32.95,650000:+77.19,750000:+98.00,850000:+116.62,950000:+147.71,2000000:+475.47,4000000:+1099.41,10000000:+2982.24
present: Lead with the best option for this user — its price and a one-line reason — then a comparison sorted cheapest-first (Carrier · Monthly · 6-month total; a markdown table when your surface renders it) and the annual dollar spread between cheapest and priciest — that spread is the reason to compare. These are Foresee's estimates of what each carrier will charge; the assumptions and tighten_by blocks say how they were made and how to sharpen them. Foresee never takes payment: when the user settles on a carrier (or asks to buy), give that carrier's carrier_quote_url as a clickable link — the purchase completes on the carrier's own quoting portal.

Example: renters

A different household at the same ZIP: a 27-year-old renter:

Request + Response

{
  "profile": {"zip_code": "90066", "dob": "1998-11-11"},
  "lines": {"renters": {"coverage_c": 30000, "coverage_e": 100000, "coverage_f": 1000, "deductible": 500}},
  "carriers": ["farmers", "usaa"]
}

Q CA renters sel={"coverage_c":30000,"coverage_e":100000,"coverage_f":1000,"deductible":500}
format: Q state [line] sel=<coverage_selection priced, JSON> ; C=carrier|entity|monthly|ci lo-hi ; tighten_by=missing facts that most move the price — offer to re-quote with the user's answers ; L COV:$,.. = monthly $ per coverage ; F fid(selected)=v,v,.. = rating factor, one value per coverage in the L order, blank=not applied, single value=all coverages, suffix ?=estimated ~=derived none=exact ; D lever selected=option:±$/mo vs the carrier's monthly, others held at the selection (selected(asked X) = X is not an option; the price is at the selected rung shown) ; W = warning — e.g. an asked limit is not offered and the price covers the nearest offered rung instead
factors: f0=Coverage C - Personal Property f1=Deductible f2=Coverage D - Loss of Use (% of C) f3=Additional Living Expense Term (months) f4=Contents Loss Settlement (ACV) f5=Enhanced Personal Property Coverage f6=Claims Free Discount f7=Multi-Policy Discount - Renter/auto f8=Multi-Policy Discount - Renter/life f9=Multi-Policy Discount - Renter/umbrella f10=Multi-Policy Discount - Renter/business f11=Multi-Policy Discount - Renter/boat f12=Multi-Policy Discount - Renter/motorhome f13=Multi-Policy Discount - Renter/recreational_vehicle f14=Multi-Policy Discount - Renter/cea f15=ZIP Code f16=Fireline Score f17=Experience Rating (points) f18=Coverage E - Personal Liability f19=Premises Rented to Others Solely Used as a Private Residence
assumptions: [{"assumed":2000,"field":"year_built","high_impact":false},{"assumed":5,"field":"protection_class","high_impact":false},{"assumed":"Single","field":"marital_status","high_impact":false},{"assumed":[],"field":"home_losses","high_impact":true}]
tighten_by: home_losses
not_priced: usaa:USAA sells only to military members, veterans, and their fam
C farmers|Fire Insurance Exchange|29.88
L PC1_PROPERTY:21.00,PC2_LIABILITY:8.17,FEE:0.42,FEE:0.30
F f0(30000)=1.087,,,
F f1(500)=1.0,,,
F f2(20)=1.0,,,
F f3(12)=1.0,,,
F f4(N)=1.0,,,
F f5(N)=1.0,,,
F f6(Y)=0.9,,,
F f7(N)=1.0,1.0,,
F f8(N)=1.0,1.0,,
F f9(N)=1.0,1.0,,
F f10(N)=1.0,1.0,,
F f11(N)=1.0,1.0,,
F f12(N)=1.0,1.0,,
F f13(N)=1.0,1.0,,
F f14(N)=1.0,1.0,,
F f15(90066)=1.423,,,
F f16(0)=1.0,,,
F f17(0)=1.0,,,
F f18(100000)=,1.0,,
F f19({})=,1.0,,
D deductible 500=100:+5.89,250:+1.85,500:+0.00,1000:-2.61,1500:-4.29,2500:-6.73
D coverage_c 30000=4000:-16.33,10000:-11.95,17000:-7.15,23000:-3.87,29000:-0.59,30000:+0.00,31000:+0.51,37000:+3.79,43000:+7.07,49000:+10.36,55000:+13.64,62000:+17.43,68000:+20.71,74000:+23.99,81000:+27.78,87000:+31.06,93000:+34.35,100000:+38.14,106000:+41.42,112000:+44.70,118000:+47.99,125000:+51.77,131000:+55.06,137000:+58.34,144000:+62.13,150000:+65.41
D coverage_e 100000=100000:+0.00,300000:+3.28,500000:+5.56,1000000:+10.69
present: Lead with the best option for this user — its price and a one-line reason — then a comparison sorted cheapest-first (Carrier · Monthly · 6-month total; a markdown table when your surface renders it) and the annual dollar spread between cheapest and priciest — that spread is the reason to compare. These are Foresee's estimates of what each carrier will charge; the assumptions and tighten_by blocks say how they were made and how to sharpen them. Foresee never takes payment: when the user settles on a carrier (or asks to buy), give that carrier's carrier_quote_url as a clickable link — the purchase completes on the carrier's own quoting portal.

Example: bundled auto + renters

The same 27-year-old renter, now with a car. "incidents": [] means a clean record, so the driving-record questions leave assumptions: entirely.

Since we now provide record, mileage, and insurance history,the auto assumptions: shrink to five entries and its tighten_by: to two. However, the renters section declares its own dwelling stand-ins; Mercury prices auto only — standalone, no bundle. Farmers prices both, providing a 20% discount, documented in the B. The same summary rides structuredContent as bundle: {farmers: {lines, bundle_total, standalone_total, savings}}.

Request + Response

{
  "profile": {
    "zip_code": "90066",
    "age": 27,
    "incidents": [],
    "prior_insurance": {"insured": true, "carrier": "GEICO", "since": "2019"},
    "auto": {"vehicles": [{"year": 2021, "make": "Honda", "model": "Civic", "annual_mileage": 9000}]},
    "property": {"year_built": 1978, "square_feet": 850}
  },
  "lines": {
    "auto": {"bi": "100/300", "pd": 100, "coll_deductible": 500, "comp_deductible": 500},
    "renters": {"coverage_c": 30000, "coverage_e": 100000, "coverage_f": 1000, "deductible": 500}
  },
  "carriers": ["farmers", "mercury"]
}

Q CA auto sel={"bi":"100/300","coll_deductible":500,"comp_deductible":500,"pd":100}
format: Q state [line] sel=<coverage_selection priced, JSON> ; C=carrier|entity|monthly|ci lo-hi ; tighten_by=missing facts that most move the price — offer to re-quote with the user's answers ; L COV:$,.. = monthly $ per coverage ; F fid(selected)=v,v,.. = rating factor, one value per coverage in the L order, blank=not applied, single value=all coverages, suffix ?=estimated ~=derived none=exact ; D lever selected=option:±$/mo vs the carrier's monthly, others held at the selection (selected(asked X) = X is not an option; the price is at the selected rung shown) ; W = warning — e.g. an asked limit is not offered and the price covers the nearest offered rung instead ; B carrier|bundled $/mo|standalone $/mo|saves $/mo = this carrier priced the asked lines together; the per-line C prices ARE the bundled prices
factors: f0=BI Limit f1=Good Driver f2=Group Placement (Rule G) f3=PD Limit f4=UMBI Limit f5=Medical Payments Limit f6=Comprehensive Deductible f7=Collision Deductible f8=Business & Professional Group f9=UM Limit
assumptions: [{"assumed":"Male","field":"gender","high_impact":false},{"assumed":"Single","field":"marital_status","high_impact":false},{"assumed":null,"field":"homeowner","high_impact":false},{"assumed":null,"field":"occupation","high_impact":true},{"assumed":null,"field":"memberships","high_impact":true}]
tighten_by: occupation,memberships
C mercury|Mercury Insurance Company|289.94
L BI:66.80,PD:52.55,UMBI:17.38,MP:1.05,COMP:23.50,COLL:128.67
F f0(100/300)=1.51,,,,,
F f1(applied)=0.8
F f2(not applied)=1.0
F f3(100)=,1.38,,,,
F f4(30/60)=,,1.65,,,
F f5(1000)=,,,1.0,,
F f6(500)=,,,,0.89,
F f7(500)=,,,,,1.0
D bi 100/300=15/30 *available through December 31, 2024:-22.56,25/50 *available through December 31, 2024:-16.81,30/60 *available on or after January 1, 2025:-11.50,50/100:-7.96,100/300:+0.00,250/500:+14.60,300/300:+15.04,500/500:+27.43
D pd 100=5:-18.28,10:-14.47,15:-11.04,25:-9.52,50:-3.43,100:+0.00,250:+3.05,300:+4.57
D coll_deductible 500=100:+25.74,200:+19.30,250:+16.09,500:+0.00,1000:-12.87,2000:-38.60,2500:-51.47
D comp_deductible 500=25:+34.59,50:+24.03,100:+14.79,200:+8.19,250:+3.70,500:+0.00,1000:-3.70,2000:-7.66,2500:-10.83
C farmers|Farmers Insurance Exchange|398.00
L BI:111.83,PD:73.33,UMBI:28.33,UMPD:1.50,MED:13.33,COMP:34.00,COLL:133.17,FEE:2.50
F f0(100000/300000)=1.46,,,,,,,
F f1(applied)=0.8,0.8,0.8,0.8,0.8,0.8,0.8,
F f8(not applied)=1.0,1.0,1.0,1.0,1.0,1.0,1.0,
F f3(100000)=,1.2674,,,,,,
F f9(30000/60000)=,,1.2788,,,,,
F f6(500)=,,,,,1.0009,,
F f7(500)=,,,,,,1.1986,
D pd 100=15:-8.83,25:-5.00,50:-1.50,100:+0.00,250:+1.33,500:+3.17
D coll_deductible 500=250:+30.67,500:+0.00,750:-13.67,1000:-23.50,1500:-37.50,2500:-56.33,5000:-87.00
D comp_deductible 500=100:+23.67,250:+9.17,500:+0.00,750:-7.17,1000:-10.67,1500:-13.50,2500:-18.83,5000:-21.17
Q CA renters sel={"coverage_c":30000,"coverage_e":100000,"coverage_f":1000,"deductible":500}
format: Q state [line] sel=<coverage_selection priced, JSON> ; C=carrier|entity|monthly|ci lo-hi ; tighten_by=missing facts that most move the price — offer to re-quote with the user's answers ; L COV:$,.. = monthly $ per coverage ; F fid(selected)=v,v,.. = rating factor, one value per coverage in the L order, blank=not applied, single value=all coverages, suffix ?=estimated ~=derived none=exact ; D lever selected=option:±$/mo vs the carrier's monthly, others held at the selection (selected(asked X) = X is not an option; the price is at the selected rung shown) ; W = warning — e.g. an asked limit is not offered and the price covers the nearest offered rung instead ; B carrier|bundled $/mo|standalone $/mo|saves $/mo = this carrier priced the asked lines together; the per-line C prices ARE the bundled prices
factors: f0=Coverage C - Personal Property f1=Deductible f2=Coverage D - Loss of Use (% of C) f3=Additional Living Expense Term (months) f4=Contents Loss Settlement (ACV) f5=Enhanced Personal Property Coverage f6=Claims Free Discount f7=Multi-Policy Discount - Renter/auto f8=Multi-Policy Discount - Renter/life f9=Multi-Policy Discount - Renter/umbrella f10=Multi-Policy Discount - Renter/business f11=Multi-Policy Discount - Renter/boat f12=Multi-Policy Discount - Renter/motorhome f13=Multi-Policy Discount - Renter/recreational_vehicle f14=Multi-Policy Discount - Renter/cea f15=ZIP Code f16=Fireline Score f17=Experience Rating (points) f18=Coverage E - Personal Liability f19=Premises Rented to Others Solely Used as a Private Residence
assumptions: [{"assumed":5,"field":"protection_class","high_impact":false},{"assumed":"Single","field":"marital_status","high_impact":false},{"assumed":[],"field":"home_losses","high_impact":true}]
tighten_by: home_losses
C farmers|Fire Insurance Exchange|24.06
L PC1_PROPERTY:16.80,PC2_LIABILITY:6.54,FEE:0.42,FEE:0.30
F f0(30000)=1.087,,,
F f1(500)=1.0,,,
F f2(20)=1.0,,,
F f3(12)=1.0,,,
F f4(N)=1.0,,,
F f5(N)=1.0,,,
F f6(Y)=0.9,,,
F f7(Y - Farmers)=0.8,0.8,,
F f8(N)=1.0,1.0,,
F f9(N)=1.0,1.0,,
F f10(N)=1.0,1.0,,
F f11(N)=1.0,1.0,,
F f12(N)=1.0,1.0,,
F f13(N)=1.0,1.0,,
F f14(N)=1.0,1.0,,
F f15(90066)=1.423,,,
F f16(0)=1.0,,,
F f17(0)=1.0,,,
F f18(100000)=,1.0,,
F f19({})=,1.0,,
D deductible 500=100:+4.71,250:+1.48,500:+0.00,1000:-2.09,1500:-3.43,2500:-5.38
D coverage_c 30000=4000:-13.06,10000:-9.56,17000:-5.72,23000:-3.10,29000:-0.47,30000:+0.00,31000:+0.41,37000:+3.03,43000:+5.66,49000:+8.29,55000:+10.91,62000:+13.94,68000:+16.57,74000:+19.19,81000:+22.22,87000:+24.85,93000:+27.48,100000:+30.51,106000:+33.14,112000:+35.76,118000:+38.39,125000:+41.42,131000:+44.05,137000:+46.67,144000:+49.70,150000:+52.33
D coverage_e 100000=100000:+0.00,300000:+2.62,500000:+4.45,1000000:+8.55
B farmers|422.06|427.88|5.82
present: Lead with the best option for this user — its price and a one-line reason — then a comparison sorted cheapest-first (Carrier · Monthly · 6-month total; a markdown table when your surface renders it) and the annual dollar spread between cheapest and priciest — that spread is the reason to compare. A B row's per-line prices assume every bundled line is placed with that carrier; for a cross-carrier mix, compare standalone totals. These are Foresee's estimates of what each carrier will charge; the assumptions and tighten_by blocks say how they were made and how to sharpen them. Foresee never takes payment: when the user settles on a carrier (or asks to buy), give that carrier's carrier_quote_url as a clickable link — the purchase completes on the carrier's own quoting portal.

Tool 2: `live_carrier_quotes`

Purpose: confirm quote estimates on the carriers' own quote sites.

This tool is idempotent: the first call commissions the computer use agents; calling again with the same arguments collects progress and results from the first call.

A live dispatch submits the user's real details to the carriers, who may perform a soft credit check. User's consent is gathered before the tool is called.

Foresee only collects quotes; it does not take payment or bind insurance.

Input Parameters

Parameter	Type	Required	Details
`profile`	object	yes	Same fields as `quote_insurance` — the rating facts
`lines`	object	yes	One key per line to walk, each value that line's ask (see below); several keys commission bundled walks
`user_authorization`	string	yes	The user's in-chat affirmation, verbatim (e.g. `yes, go ahead`)
`identity`	object	usually	The user's details.
`carriers`	string[]	no	Restrict the fan; defaults to every carrier with a validated walk for the lines + state

lines

Line	Ask	Why
`auto`	required — the same four axes as `quote_insurance` (`bi`, `pd`, `coll_deductible`, `comp_deductible`), as actual numbers	The limits and deductibles the agents ask the carriers' forms for
`home`	none — `{"home": null}`	The carrier's own form prices its package (dwelling amount from its replacement-cost estimate); the agents report what it chose. A supplied ask is refused loudly, not silently ignored
`renters`	required — `coverage_c`, `coverage_e`, `coverage_f`, `deductible`, as actual dollars	The agents type the user's numbers on the form instead of accepting its defaults; Foresee never invents them

Several keys at once commission bundled walks: each carrier that writes all the named lines is driven through its own multi-line quote flow and reports per-line premiums plus its own bundle total; a carrier writing only some of the lines is walked for those alone. Per-line ask rules are unchanged by bundling.

identity

Field	Type	Required	Details
`first_name`	string	yes	Legal first name
`last_name`	string	yes	Legal last name
`dob`	string, `YYYY-MM-DD`	yes
`street`	string	yes	Street address (line 1)
`unit`	string	no	Apartment/unit (line 2)
`city`	string	yes
`zip_code`	string	no	Only when it differs from the profile's
`email`	string	yes	Carriers send the quote here
`phone`	string	no

Response

Field	Meaning
`status`	`in_progress` / `partial` / `complete` — re-call with the same arguments to collect
`agents`	One entry per carrier (see below)
`note`	What to do next, e.g. re-call timing, or that a prior run's results were returned
`authorization_recorded`	On the receipt: the consent record was stored before any carrier saw the risk
`skipped`	Carriers NOT dispatched, each with the reason (`no_deterministic_walk`, `missing_facts` with the facts named)
`not_dispatched`	Engine-priced carriers this dispatch will not walk, with why (`held: …`, `no_walk`, `not_walked`, `offline`, `not_sold`) — a recommendation the walk lane cannot confirm never silently vanishes
`needs`	On a `missing_facts` refusal: per-carrier facts to collect from the user, with exact schema paths — and, for closed-vocabulary fields, the accepted `values`
`assumptions`	Unasserted minor form facts the walks resolved to declared no-claim answers: the profile path (`field`) and the value submitted (`assumed`) — relay every one with the results
`confirmation`	Per carrier: the instant engine estimate beside the page-printed premium — the bundle estimate when several lines were walked
`error` / `detail`	Every refusal is a structured `{"error", "detail"}` dict

Each agents entry:

Field	When	Meaning
`carrier_key`, `carrier`	always	Roster key + display name
`status`	always	`in_progress` / `complete` / `failed`
`lines`	always	The lines this walk covers — several on a bundled walk
`stage`, `eta_seconds_remaining`	in progress	Where the walk is; time left against the carrier's typical flow
`quote.premium`	quoted	Verbatim as the carrier's page printed it (`"$857.80"`) — never parsed, rounded, or derived
`quote.term_months`	quoted	The term the printed premium covers
`quote.premium_by_line`	quoted, bundled walk	Each line's premium as the page printed it, beside the bundle total in `quote.premium`
`quote.breakdown`	quoted	The page's own line items, its own labels
`quote.bound`	quoted, newer walks	Cover read off the priced page — what the form actually bound, vs what was asked
`quote.variants`	quoted	Additional priced packages the page offered
`quote.quote_number`	quoted	The carrier's retrieval number, when the page shows one
`quote.evidence_recorded`	quoted	Screenshot evidence exists server-side (internal URIs never ride the wire)
`declined: true` + `detail`	declined	The carrier reviewed the details and refused to quote. An answer, not an error — relay it
`detail`	failed	The walk's own words for where and why it stopped

Refusals

Every refusal is a structured {"error", "detail"} object — nothing was submitted to any carrier unless the row below says otherwise.

Code	When	What to do
`profile_required`	Household facts sent at the top level, no `profile` wrapper	Re-call with the facts wrapped as shown in the refusal's `example_arguments`
`authorization_required`	Called without the user's go-ahead	Explain the consent facts, get a yes, pass it verbatim in `user_authorization`
`bad_identity`	A `drivers_license_number` shaped like an SSN	SSNs are never collected; send the licence number as printed on the licence
`bad_profile`	A profile field fails validation	`detail` names the field
`one_line_per_dispatch`	An empty `lines` map	Name at least one line to walk
`unknown_line`	A line with no walk (e.g. `umbrella`)	`detail` lists the lines live dispatch knows
`coverage_selection_required`	An auto or renters walk without full limits and deductibles	Re-call with the numbers — the walks type real values, never defaults
`bad_ask`	A home walk given a coverage ask	Send `{"home": null}` — the carrier's own form prices its package
`missing_facts`	No requested carrier's form can be filled from the profile	Ask the user for the `needs[].fields[]` facts (using their `values` where served) and re-call — see below
`no_carriers`	No carrier has a validated walk for that line + state	Fall back to `quote_insurance`
`launch_failed`	The agents couldn't start	Nothing reached any carrier — retrying is safe

Example: auto

A Fresno household confirming GEICO's own number. The profile carries the facts GEICO's form insists on (ownership, purchase timing, prior insurance, age first licensed…); identity is the real applicant; the ask is the same four axes as quote_insurance.

Re-calling with the same arguments later collects the finished walk. The premium is the page's own string; breakdown is the page's own labels (GEICO printed two packages side by side); term_months says what the number covers — $857.80 per 6 months, not per month.

Request + Response

{
  "profile": {
    "zip_code": "93722",
    "dob": "1954-07-02",
    "gender": "Male",
    "marital_status": "Married",
    "education": "Bachelors",
    "employment_status": "Employed",
    "occupation": "Accountant or CPA",
    "home_ownership_status": "Own",
    "prior_insurance": {"insured": true, "limits": "not sure"},
    "auto": {
      "vehicles": [{
        "year": 2024, "make": "Ford", "model": "Maverick",
        "ownership": "Financed", "annual_mileage": 11000,
        "primary_use": "pleasure", "purchase_date": "2026-08"
      }],
      "drivers": [{
        "relation": "self", "age_first_licensed": 16,
        "years_licensed_outside_us": 0, "defensive_driving_course": true,
        "accidents": [], "violations": []
      }]
    }
  },
  "identity": {
    "first_name": "Cornelius", "last_name": "Beaumont", "dob": "1954-07-02",
    "street": "4381 W Spruce Ave", "city": "Fresno", "zip_code": "93722",
    "email": "cornelius.beaumont@example.com", "phone": "559-555-0164"
  },
  "lines": {"auto": {"bi": "100/300", "pd": 100, "coll_deductible": 500, "comp_deductible": 500}},
  "carriers": ["geico"],
  "user_authorization": "yes, go ahead and get me GEICO's real quote"
}

{
  "status": "complete",
  "agents": [
    {
      "carrier_key": "geico",
      "carrier": "GEICO",
      "method": "browser_agent",
      "status": "complete",
      "quote": {
        "premium": "$857.80",
        "currency": "USD",
        "term_months": 6,
        "quote_number": null,
        "breakdown": {
          "Less Coverage": "$857.80",
          "More Coverage": "$870.70"
        },
        "evidence_recorded": true
      }
    }
  ]
}

Docs

Using Foresee

Tools

Tool 1: quote_insurance

Input Parameters

Profile

Coverage options

Response format

Example: auto

Example: home

Example: renters

Example: bundled auto + renters

Tool 2: live_carrier_quotes

Input Parameters

Response

Refusals

Example: auto

Tool 1: `quote_insurance`

Tool 2: `live_carrier_quotes`