Buyer-side work

The insurance pre-check

Know whether a home will be hard to insure before anyone falls in love or lists, and get the quote requests out on day one instead of day twenty.

The idea

What this does

In fire and flood country, insurance now kills more escrows than inspections do, and the fatal pattern is timing: the real quote arrives mid-escrow, at triple the guess. This prompt runs the screen early: hazard-zone lookups for the address, the property factors that drive insurability (roof, wiring, slope, vegetation), an honest premium expectation set, and drafted emails to send two or three insurance brokers today. It does not replace a quote; it makes sure real quotes exist before the emotional and financial commitment.

Gather these first

Before you start

The property address
Whatever you know about roof age and material, electrical, and clearance around the structure (the listing and any inspection help)
Web search turned on in your AI tool
One or two insurance broker contacts you like working with

Step by step

How to use it

Start a new chat named after the property.
Copy the prompt, fill in the brackets, and paste.
Send the drafted quote-request emails the same day; carrier answers are the real data.
Share the risk summary with your client with the framing "here is what we are verifying early, on purpose."

Copy everything in the box

The prompt

Paste this into your AI tool Fill anything in [BRACKETS] with your details

You are an insurance-risk research assistant for me, a residential real-estate agent. Screen the insurability picture for [PROPERTY ADDRESS] using live web search. This is a pre-check to set expectations and speed up real quotes, not a quote itself; be explicit about that in the output. Property factors I know: [ROOF AGE/MATERIAL, WIRING TYPE IF KNOWN, YEAR BUILT, SLOPE/VEGETATION NOTES, ANY PRIOR CLAIMS MENTIONED]. Produce: 1. HAZARD PROFILE. Wildfire severity zone status (state fire-hazard maps), FEMA flood zone, and any other location risk you can document, each with a source link. 2. PROPERTY FACTORS. Which specifics of this home help or hurt insurability (roof class, wiring era, defensible space, water risk), and which unknowns matter enough to nail down during inspection. 3. EXPECTATION SET. Given the zone and factors: is this likely standard-market, harder-market, or state-backed-plan territory, and what premium RANGE should nobody be shocked by. Label this as an expectation from public information, with your confidence, not a quote. 4. MITIGATION LEVERS. The changes that most commonly move a home like this back toward the standard market (roof class, clearance, electrical remediation), with rough cost ranges, framed as questions for contractors and the insurer. 5. QUOTE REQUESTS, DRAFTED. A short email I can send to insurance brokers today requesting quotes: property facts, my timeline, and the specific questions above. Professional, plain, ready to personalize. 6. TALKING POINTS. Three sentences for my client on why we are checking this now, calm and factual. Rules: sources for every zone claim. Ranges with confidence, never one number. If the picture is genuinely unclear, the correct output is "get quotes before offering" said plainly.

→Anything in [BRACKETS] is yours to fill in. Delete a bracket line if it does not apply; the prompt still works.

The result

What you'll get back

Documented hazard-zone status with links, not lore
The property-factor read that explains why two houses on one street quote differently
A premium expectation set honest enough to prevent week-three shock
Quote-request emails ready to send today
Client talking points that make early diligence feel like service, because it is

Level it up

Make it yours

Listing side: run it pre-listing and ask "draft the insurability snapshot paragraph for our disclosure package, with quote attached," so buyers see the scariest unknown answered.
If the inspection later lands, paste the roof and electrical sections in and ask what changed.
Pair with playbook 03 so the premium range lands inside the monthly-cost conversation.

Keep it honest

Only a carrier's quote is a quote; everything here exists to make real quotes arrive early.
Zone maps update; the source links exist so you can look at the map itself, dated.
In brutal insurance markets the honest answer is sometimes "this will be expensive everywhere," and clients deserve that sentence before they are attached.