IP
Insurance Policy Decoder
🔵 Stable🕐 updated 2026-07-18
🔷 SkillSpec L3
pm-decoders
Decode a home, renters, or auto insurance policy into what's actually covered, what's excluded, and what the payout math really looks like before you need it. Use when someone asks 'what does my insurance actually cover', 'decode my policy', 'is this deductible normal', or 'actual cash value vs replacement cost'. Produces a coverage decode with real payout scenarios, ranked exclusion red flags, the ACV-vs-replacement-cost math, and the questions to ask your agent before renewal.
What to give it
▸The policy documents — declarations page at minimum; exclusions/definitions sections if available. With only a declarations page, decode what's visible and list the sections still needed — the exclusions are where the reading matters.
▸What's being protected — home value and contents ballpark, or vehicle + how it's used; anything unusual (home business, expensive equipment, a finished basement in a rain-prone area).
▸Their worry list — the losses they actually fear; the decode ranks against those.
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓Every coverage line gets a concrete payout scenario, not a restatement of the limit
✓ACV vs. replacement cost is computed on the user's numbers, not explained abstractly
✓Percentage deductibles are converted to dollars
✓Exclusions are quoted, and defined terms use the policy's definition
✓Sections not provided (exclusions, definitions) are named as gaps, not assumed standard
✓The disclaimer line appears verbatim in the artifact
⚠️ What it refuses to do
Do not invent coverage terms or limits that aren't in the documents
Do not soften a red flag to seem balanced — an ACV roof on a 15-year-old roof is a small payout, say so
Do not present jurisdiction-dependent rules (claim deadlines, bad-faith standards) as universal
Do not rank by section order — rank by the user's stated worries and the dollar gaps
Do not recommend carriers or price coverage — decode this policy; shopping is the user's move
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="insurance-policy-decoder"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Insurance Policy Decoder is one of 599 open-source professional AI agent skills — all SkillSpec L3.
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