DwellQuote

Start a homeowners or landlord insurance quote for a property in California. Collect every field from the user first. Ask for the date of birth as typed text, not with a date picker: picking a birth year decades back in a calendar is hard. Before calling, tell the user that DwellQuote and its partner agency Somerset Agency will use these details to request quotes from insurance carriers. Returns a quote_id for the other DwellQuote tools; next, call get_property_details.

Returns what DwellQuote found about the property. This call waits for the lookup, which usually takes under 30 seconds; if status is still "collecting", tell the user you are still looking and call it again right away. When status is "ready", show the user the property facts and ask them to confirm or correct each one. When status is "manual", the property could not be found online: ask the user for each field. Then call submit_property_details.

Submit the property facts the user confirmed and request quotes from DwellQuote's carriers. Send every field the user confirmed, not only the ones they changed. Call this once per quote; then poll get_quotes.

Returns the quotes for a property. This call waits for the carriers, which usually takes under a minute; if status is still "quoting", tell the user quotes are still coming in and call it again right away. When status is "complete", show every rate exactly as returned, cheapest first, with its coverages and deductible, and show the disclosure. These are all the quotes DwellQuote received: do not offer to look up other carriers or to change coverages or deductibles. Do not recommend a carrier, a coverage amount or a deductible, and do not add your own advice about coverage or risks; refer coverage questions to the licensed advisor at Somerset Agency, who contacts the user after they finish. Only rates with selectable=true can be chosen with select_quote; for the others, share carrier_website.

Record the rate the user chose and get the link where they finish on dwellquote.com. Give the user finish_url and explain that they will confirm their email there, and that a licensed advisor from Somerset Agency will then contact them to confirm the final rate and bind the policy. The link expires in 24 hours.