Fred for home & property insurance.
Answer homeowner questions, capture quote requests, and start claims around the clock. Configure guardrails for your business and reserve professional decisions for your team.
Every homeowner, captured and routed.
A storm hit or someone closing on a house needs coverage fast. Fred answers the general questions, captures the quote or starts the claim, and connects a licensed agent, while premiums, binding, and what’s actually covered stay with your team.
What Fred does
- Answers coverage types, process, and general questions
- Captures home, renters, and property quote requests
- Starts claim intake after damage or loss
- Connects homeowners with a licensed agent, 24/7
When Fred hands off to you
- A request for a premium or rate
- Anyone needing to bind, cancel, or change coverage
- A storm, fire, or property-loss claim
- A shopper ready to talk to an agent
What Fred won’t do
- Quote a premium or rate estimate
- Bind, cancel, or modify coverage
- Interpret what a policy covers or promise a claim
Pre-configured for home and property insurance: homeowners, renters, and dwelling quote intake and claims; quoting and binding handled by a licensed agent.
Storm just hit. Fred opens the claim.
Talk to Fred.
Server-side guardrails
Example rules to review and configure for your deployment.
Insurance is sold on trust and regulated on every promise, so a wrong answer about coverage is a claim waiting to be denied. The panel below illustrates industry rules, custom rules, and intended boundaries. Configured checks target recognized patterns; they can miss context or flag harmless content. Confirm the active rules and test them for your deployment. Example messages are illustrative and must be adapted to your services and escalation workflow.
Automated Guardrail Actions
Pack rules enforced in addition to baseline protections.industry.insurance
| Rule ID | Action | Severity | Phase | Message | Triggers |
|---|---|---|---|---|---|
| ins-emergency-escalate | ESCALATE | S4 | input | I’m sorry this is happening. Contact your agent directly to start a claim and discuss the help available. | contains: just had an accident, house is flooding, car was stolen +12 |
| ins-no-binding | ESCALATE | S4 | input | I can't bind, cancel, or modify coverage — that requires a licensed agent. Let me connect you with one right away. | contains: bind my policy, cancel my policy, add a driver +12 |
| ins-fraud-escalate | ESCALATE | S3 | input | Please contact the fraud team directly through the published support channel. | contains: insurance fraud, report fraud, someone filed a fake claim +11 |
| ins-no-policy-interpretation | DENY | S3 | input | I can't interpret specific policy coverage. Your policy language and endorsements determine what's covered. Let me connect you with an agent who can review your policy with you. | contains: am I covered for, does my policy cover, does my insurance cover +13 |
| ins-no-guarantees | DENY | S3 | output | Only underwriting can guarantee coverage or claim approvals. Let me connect you to an agent who can review your situation. | contains: guarantee approval, claim approved, will be covered +10 |
| ins-no-premium-generation | DENY | S3 | output | I can't generate premium quotes or rate estimates. A licensed agent can provide an accurate quote based on your specific situation. | contains: your premium would be, your rate would be, estimated premium +9 |
| ins-claims-escalate | ESCALATE | S3 | input | Let me connect you with an agent to start your claim. They'll walk you through what's needed and next steps. | contains: file a claim, start a claim, open a claim +10 |
| ins-identity-verification | ESCALATE | S3 | input | I can't access or verify policy records here. I'll connect you with a licensed agent right away. | contains: policy status, claim status, coverage details +8 |
| ins-complaint-escalate | ESCALATE | S2 | input | I understand your frustration. Let me connect you with a supervisor or compliance team member who can address your concerns directly. | contains: file a complaint, department of insurance complaint, bad faith +10 |
| ins-lapse-reinstatement-escalate | ESCALATE | S2 | input | Policy reinstatement has specific timing and underwriting requirements. Let me connect you with an agent who can review your options. | contains: policy lapsed, reinstate my policy, coverage lapsed +9 |
| ins-quote-request-escalate | ESCALATE | S2 | input | I'd love to help you find the right coverage. Let me connect you with a licensed agent who can put together an accurate quote based on your needs. | contains: get a quote, how much is insurance, how much for coverage +12 |
| ins-disclaimer | DISCLAIMER | S2 | output | contains: coverage, claim, premium +6 |
Hard limits
Intended boundaries for the configured rules. Detection and handoff are not guaranteed.
- Do not bind, cancel, or modify coverage
- Do not quote a premium or rate estimate
- Do not interpret specific policy coverage or guarantee a claim
- Configure routing for claims, fraud, and emergencies to a licensed agent. Check receipt and follow-up.
Your custom rules
Layered on top of the pack, unique to your agency. No developer required.
The pack is the starting line, not the ceiling. Every deployment can add its own rules in the admin, block, warn, or just log on any phrase you choose, in either phase, with your own response message. They run right alongside the pack.
- BLOCKoff-topic requests that have nothing to do with your agency
- WARNbefore anyone is given a number that looks like a quote
- LOGwhen a caller asks whether something specific is covered
These industry rules stack on top of the always-on baseline, your state’s insurance and licensing rules, and macro overlays. See how the guardrail layers work
Know which lead to call back first.
With an enabled integration, Fred can send lead scores and conversation summaries to your system. Delivery depends on your configuration and the receiving system.
Home & property insurance questions.
Why won’t Fred just give me a quote?
Quoting and binding are licensed, regulated activities. Fred captures the details a quote needs and connects a licensed agent who can give you an accurate, compliant number. Configure and test the relevant rules; checks can miss phrasing or context.
Can Fred start a property claim?
Yes. After damage or loss, Fred captures the details and routes the claim to an agent fast. It won’t decide coverage or promise an outcome.
Will Fred interpret my policy?
No. What’s covered depends on your policy and endorsements, so Fred routes coverage questions to a licensed agent rather than guessing.
Can it book time with an agent?
Fred captures inquiry details and sends them through your configured handoff. Delivery timing depends on the integration and receiving system. Direct calendar booking depends on the tools you already run. Our training videos show you how to connect them, or you can add a paid setup.
Answer every homeowner. Stay in your lane.
Choose a plan, configure Fred for your business, and test before launch. Or ask Fred a question in the corner of this page.