# Foresee — go-foresee.com

> Foresee enables AI to shop for home and auto insurance.

Foresee returns accurate quote estimates from every insurance carrier, so that your AI can help you make the right decision for you and your finances.
Foresee provides full, free and detailed quote information across the entire market - from household names like State Farm, Progressive, and Allstate, down to niche and regional carriers that might be a fit for you.
Your AI will use Foresee to compare coverage options across carriers, quoting instantly, working to find the right answer for you.

Foresee provides quote estimates only. Foresee does not show ads, and does not sell marketing leads.

## When to use Foresee

Use Foresee when the user wants to compare personal-lines insurance quotes across different insurance carriers.
Do not use Foresee to bind coverage, take payment, or answer non-insurance questions.

- Agent instructions: [agents.md](https://go-foresee.com/agents.md)
- Quote skill (when-to-use + steps): [SKILL.md](https://go-foresee.com/skills/quote-insurance/SKILL.md)
- Skill catalog: [/.well-known/agent-skills/index.json](https://go-foresee.com/.well-known/agent-skills/index.json)
- Full text of every page: [llms-full.txt](https://go-foresee.com/llms-full.txt)
- Full docs: [docs](https://go-foresee.com/docs)
- OpenAPI: [openapi.json](https://go-foresee.com/openapi.json)
- Status: [status](https://go-foresee.com/status)
- Support: [support](https://go-foresee.com/support)
- About: [about](https://go-foresee.com/about)
- Contact: [contact](https://go-foresee.com/contact)

## For AI agents: two MCP endpoints

Connect over the Model Context Protocol (streamable HTTP transport).

ChatGPT and Claude.ai (estimates only):

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

Cursor, Claude Code, and other agents (estimates + confirms):

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

- Claude Code: `claude mcp add --transport http foresee https://agents.go-foresee.com/mcp`
- claude.ai: Settings → Connectors → add `https://mcp.go-foresee.com/mcp`
- ChatGPT: Developer Mode → Apps & Connectors → Create, URL `https://mcp.go-foresee.com/mcp`, Authentication none
- MCP pointer: [/.well-known/mcp.json](https://go-foresee.com/.well-known/mcp.json)

## Tools

- `quote_insurance` — quote estimates (both hosts)
- `live_carrier_quotes` — confirm on the carrier's own site (agents host only;
  idempotent — re-call with the same arguments to collect progress)

Docs: [docs](https://go-foresee.com/docs)

---

<!-- Source: https://go-foresee.com/index.md -->

# Foresee

Foresee enables AI to shop for home and auto insurance.
Foresee returns accurate quote estimates from every insurance carrier, so that your AI can help you make the right decision for you and your finances.
Foresee provides full, free and detailed quote information across the entire market - from household names like State Farm, Progressive, and Allstate, down to niche and regional carriers that might be a fit for you.
Your AI will use Foresee to compare coverage options across carriers, quoting instantly, working to find the right answer for you.

*"How much would auto insurance cost for a 25 year old driving a 2022 Camry in Sacramento?"*
*"Do I need a high deductible? Which insurer is best for premium coverage?"*
*"Am I eligible for any group discounts?"*

## How it works

1. **Shop for home & auto.** Your agent calls
   `quote_insurance` with whatever it knows about the household.
   Foresee returns quote estimates: per-carrier monthly point estimates,
   full sub-coverage detail, and a per-lever price ladder. Some fields are optional;
   omissions become priced assumptions, reported back.
2. **Confirm.** When you're ready to act, Foresee agents drive the carriers'
   own quote flows with your details and read back the page-printed premium.
   That is `live_carrier_quotes`, on the agents host below. There is no API
   key and no Foresee sign-in.
3. **Your agent compares and recommends.** Foresee's quote estimates include every option for that line of business - so your agent can find you the right limits and deductible.

## For AI agents: two MCP endpoints

ChatGPT and Claude.ai (estimates only):

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

Cursor, Claude Code, other agents (estimates + confirms):

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

- Claude Code: `claude mcp add --transport http foresee https://agents.go-foresee.com/mcp`
- Claude plugin: `/plugin marketplace add Foresee-Tech/foresee` then `/plugin install foresee@foresee`
- ChatGPT Developer Mode: Apps & Connectors → Create, connector URL `https://mcp.go-foresee.com/mcp`, Authentication none.
- Docs: <https://go-foresee.com/docs>
- OpenAPI: <https://go-foresee.com/openapi.json>
- Status: <https://go-foresee.com/status>
- Support: <https://go-foresee.com/support>
- MCP server card: <https://go-foresee.com/.well-known/mcp/server-card.json>
- API catalog: <https://go-foresee.com/.well-known/api-catalog>
- Short agent file: <https://go-foresee.com/llms.txt>
- Agent instructions: <https://go-foresee.com/agents.md>
- Quote skill: <https://go-foresee.com/skills/quote-insurance/SKILL.md>

## Pages

- [Install](/install)
- [How it works](/how-it-works)
- [Features](/features)
- [Why Foresee](/why-foresee)
- [About](/about)
- [Contact](/contact)
- [Support](/support)

---

<!-- Source: https://go-foresee.com/agents.md -->

# Foresee — agent instructions

Foresee enables AI to shop for home and auto insurance.
Foresee returns accurate quote estimates from every insurance carrier, so that your AI can help you make the right decision for you and your finances.
Foresee provides full, free and detailed quote information across the entire market - from household names like State Farm, Progressive, and Allstate, down to niche and regional carriers that might be a fit for you.

Use this file to decide **when** to call Foresee, then follow
[the quote-insurance skill](/skills/quote-insurance/SKILL.md)
(the same file as the Foresee Claude plugin in
[Foresee-Tech/foresee](https://github.com/Foresee-Tech/foresee)).

## When to use Foresee

Use Foresee when the user wants to compare coverage options across carriers.

*"How much would auto insurance cost for a 25 year old driving a 2022 Camry in Sacramento?"*
*"Do I need a high deductible? Which insurer is best for premium coverage?"*
*"Am I eligible for any group discounts?"*

For instance, when the user wants to:

- compare **auto, home, renters, or other personal-lines** insurance quotes
- confirm an estimate against a carrier's **own quote page**

Do **not** use Foresee when the user wants to:

- bind coverage, take payment, or finish a purchase here (they finish on the
  carrier's site)
- quote commercial, life, health, or other non-personal lines
- do anything unrelated to insurance

## How to connect

No API key. No Foresee sign-in.

- ChatGPT / Claude.ai (estimates only): `https://mcp.go-foresee.com/mcp`
  — tool `quote_insurance`
- Cursor, Claude Code, other agents (estimates + confirms):
  `https://agents.go-foresee.com/mcp` — tools `quote_insurance` and
  `live_carrier_quotes`
- Skill: [/skills/quote-insurance/SKILL.md](/skills/quote-insurance/SKILL.md)
- Full docs: [/docs](/docs)
- OpenAPI: [/openapi.json](/openapi.json)
- Catalog: [/.well-known/agent-skills/index.json](/.well-known/agent-skills/index.json)

## Who it is for

Shoppers who already have an AI assistant (Claude, Cursor, ChatGPT, or any
MCP client) and want quote estimates without filling a web form.
Foresee does not show ads or sell leads.

---

<!-- Source: https://go-foresee.com/docs.md -->

# Docs

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` | object[] — `{line, carrier}` | no |

`companion_policies` lists policies the household already holds, each with the carrier that writes it — `{"line": "home", "carrier": "State Farm"}`. A carrier's multi-policy discount applies only to a policy it writes, so a held policy with no carrier earns none, and the quote asks for the carrier under `tighten_by`.


**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.


```request
{
  "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"]
}
```

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.

```response
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.
```

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.

---

### Example: home

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

```request
{
  "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"]
}
```

`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.

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

```response
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. 

```request
{
  "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"]
}
```

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}}`.

```response
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`.

```request
{
  "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"
}
```
```response
{
  "status": "in_progress",
  "authorization_recorded": true,
  "agents": [
    {
      "carrier_key": "geico",
      "carrier": "GEICO",
      "method": "browser_agent",
      "detail": "deterministic Foresee agent completing the carrier's own quote flow with the user's details",
      "eta_seconds": 480
    }
  ],
  "skipped": [],
  "note": "1 carrier(s) are being quoted live. Collect results by calling this tool again with the same arguments after a few minutes."
}
```

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.

```response
{
  "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
      }
    }
  ]
}
```

---

<!-- Source: https://go-foresee.com/install.md -->

# Install

## Copy for your agent:

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

---

<!-- Source: https://go-foresee.com/how-it-works.md -->

# How It Works

Foresee enables AI to shop for home and auto insurance.
Foresee returns accurate quote estimates from every insurance carrier, so that your AI can help you make the right decision for you and your finances.
Foresee provides full, free and detailed quote information across the entire market - from household names like State Farm, Progressive, and Allstate, down to niche and regional carriers that might be a fit for you.
Your AI will use Foresee to compare coverage options across carriers, quoting instantly, working to find the right answer for you.

---

<!-- Source: https://go-foresee.com/features.md -->

# Features

Foresee enables AI to shop for home and auto insurance.
Foresee returns accurate quote estimates from every insurance carrier, so that your AI can help you make the right decision for you and your finances.
Foresee provides full, free and detailed quote information across the entire market - from household names like State Farm, Progressive, and Allstate, down to niche and regional carriers that might be a fit for you.
Your AI will use Foresee to compare coverage options across carriers, quoting instantly, working to find the right answer for you.

---

<!-- Source: https://go-foresee.com/why-foresee.md -->

# Why Foresee

Foresee helps you shop for home and auto insurance by giving your AI assistant accurate quote estimates from every insurance company in the market - from big companies like State Farm and Progressive, down to niche players that might be right for you.

Foresee is the only tool that shows you quote estimates from every insurance company. We provide a clear, unbiased comparison with the detail necessary for your AI assistant to make a great decision for you.

Nowhere else puts every carrier side by side. Nobody lets you compare Progressive and State Farm.

Everything that goes into home and auto insurance pricing in America must be disclosed to state regulators. Those regulators require insurance companies to be consistent in their pricing, and to price according to the rules they disclose - so that people who share the same characteristics will get the same price.

Foresee helps consumers see that price, for every carrier in the market. Our goal is to show your AI assistant exactly what goes into your home and auto price, so that you can make the best decision for you and your family. With every factor laid out clearly, your AI assistant can help you choose the right option from the many different ones that insurance companies offer you.

---

<!-- Source: https://go-foresee.com/AUTH.md -->

# Auth

There is no Foresee sign-in, API key, or OAuth. Both MCP hosts are open.

See [docs](/docs) for the two endpoints and tools.

---

<!-- Source: https://go-foresee.com/status.md -->

# Status

How to check that Foresee is up.

- Site: `GET https://go-foresee.com/health` → `200` text/plain `ok`
- Machine status: `GET https://go-foresee.com/status.json` → `200`
- Connector MCP: `POST https://mcp.go-foresee.com/mcp` JSON-RPC `initialize` → `200`
- Agents MCP: `POST https://agents.go-foresee.com/mcp` JSON-RPC `initialize` → `200`

---

<!-- Source: https://go-foresee.com/about.md -->

# About

Foresee enables AI to shop for home and auto insurance.
Foresee returns accurate quote estimates from every insurance carrier, so that your AI can help you make the right decision for you and your finances.
Foresee provides full, free and detailed quote information across the entire market - from household names like State Farm, Progressive, and Allstate, down to niche and regional carriers that might be a fit for you.
Your AI will use Foresee to compare coverage options across carriers, quoting instantly, working to find the right answer for you.

---

<!-- Source: https://go-foresee.com/support.md -->

# Support

Foresee Insurance Services, LLC.

Product and quoting: [support@go-foresee.com](mailto:support@go-foresee.com)

General: [info@go-foresee.com](mailto:info@go-foresee.com)

Privacy and data rights: [privacy@go-foresee.com](mailto:privacy@go-foresee.com)

Source and issues: [github.com/Foresee-Tech/foresee](https://github.com/Foresee-Tech/foresee)

---

<!-- Source: https://go-foresee.com/contact.md -->

# Contact

Foresee Insurance Services, LLC.

Product and quoting: [support@go-foresee.com](mailto:support@go-foresee.com)

General: [info@go-foresee.com](mailto:info@go-foresee.com)

Privacy and data rights: [privacy@go-foresee.com](mailto:privacy@go-foresee.com)

Source and issues: [github.com/Foresee-Tech/foresee](https://github.com/Foresee-Tech/foresee)