This repository contains the SKILL.md file for automating the processing of personal lines insurance applications. It is designed to consolidate data for underwriting across three property types: Home Package, Condo Package, and Renters Package.
When provided with personal lines application information, this skill:
- Parses Dec Pages — Automatically extracts data from uploaded current insurance Declaration Pages (Home, Auto, Condo, Renters, Umbrella) and maps it into the application fields.
- Validates required fields — Checks the submitted application against the required field list for the specific property type (Home, Condo, or Renters) and clearly flags all missing or incomplete information at the very top of the output.
- Researches property data — Uses Google Search grounding to extract property details from accessible public sources (e.g., county assessor records, Realtor.com) and includes Zillow/Redfin links if available.
- Researches vehicle data — Uses the NHTSA VIN decoder to verify Year/Make/Model, and uses Google Search grounding to estimate current market value via KBB/CarMax based on mileage.
- Produces a client profile — Identifies coverage gaps, underinsurance risks, and recommends additional coverages based on client circumstances.
- Outputs a complete application summary — Formatted for direct copy/paste into online forms or email, including a ready-to-use email subject line.
This skill is compatible with any AI tool or agent that supports custom instructions or skill files, and is optimized for use in Gemini.
To use it, paste the contents of SKILL.md into your Gemini system prompt or custom instructions, then provide the raw application data submitted by the client (and upload any current insurance Dec Pages). The AI will parse the Dec Pages, validate the application, flag missing information at the top, research property and vehicle data, and produce a complete, underwriter-ready application summary.
| Version | Date | Notes |
|---|---|---|
| 2.4 | April 12, 2026 | Added vehicle valuation logic (KBB/CarMax via Google Search) based on Year, Make, Model, and Mileage |
| 2.3 | April 12, 2026 | Replaced mandatory Zillow/Redfin fetching with reliable Google Search grounding for public property records |
| 2.2 | April 12, 2026 | Updated Missing Information logic to be concise and categorical (Dwelling, Auto, Umbrella, Personal Articles); tied DL# requirement to auto intent |
| 2.1 | April 12, 2026 | Added support for parsing uploaded Declaration (Dec) Pages and mapping extracted data directly into application fields |
| 2.0 | April 12, 2026 | Added required-field validation logic with missing information flagged at top of output; Gemini-optimized workflow; consolidated all three property type templates into unified master template |
| 1.0 | April 3, 2026 | Initial release |