AI Voice Agents for Home Insurance

Homeowner discovers a burst pipe has caused water damage to their basement.

"AI responds to emergency: "I'm sorry to hear about the water damage. Let me help you right away. First, immediate steps to take now: Turn off the water main if you haven't already - usually in the basement or outside near the street. If safe, turn off electricity to affected areas. Document the damage with photos and video before cleanup begins. Remove valuables from the water if safe to do so. I've started your claim - reference number HO-2024-34567. What I need from you: Photos of the burst pipe location, video walkthrough of all damaged areas, list of damaged items (I'll send you an inventory form), and original cost and age of damaged items if known. Emergency mitigation: I'm connecting you with ServiceMaster, our approved water mitigation partner. They can be there within 2 hours to start extraction and prevent mold growth. This is covered under your policy. Cost estimate: Based on similar claims, basement water damage from burst pipes typically ranges $5,000-$15,000. Your deductible is $1,000. Want me to dispatch the mitigation team now?""

Homeowner wants to know if their policy covers a tree falling on their fence.

"AI explains coverage: "Good question! Let me check your policy for tree and fence coverage. Looking at your homeowners policy ending in 7892... Yes, this scenario is covered, but let me explain how: The fence: Covered under 'Other Structures' coverage. Your policy covers other structures (fence, shed, detached garage) at 10% of your dwelling coverage. With your $400,000 dwelling coverage, you have $40,000 for other structures. Easily covers a fence. The tree: This is where it gets specific. If the tree fell due to wind, lightning, or its own weight/decay, it's covered. If you cut it down intentionally, that's not covered. Tree removal is covered up to $1,000 per tree, max $500 per tree, when it damages covered property. Your situation: Assuming the tree fell naturally (wind, decay, etc.), you're covered for: Fence repair/replacement minus your $1,000 deductible, and tree removal up to $500. If your fence costs $3,000 to replace, you'd receive $2,000 after deductible. Want me to start a claim, or do you have more questions about the coverage?""

Policyholder wants to create a home inventory for insurance purposes.

"AI guides inventory creation: "Creating a home inventory is one of the smartest things you can do as a homeowner! It makes claims so much easier. Let me guide you through an efficient approach. I recommend the room-by-room video method: Walk through each room with your phone recording. Narrate as you go - mention item names, brands, and approximate values. Open drawers and closets to capture contents. For high-value items, photograph serial numbers, receipts, and appraisals. I'll send you our Home Inventory Worksheet to organize everything: Room-by-room checklist covering common items. Fields for purchase date, cost, and current value. Space for photos and receipts. Pro tips: Electronics depreciate - a 3-year-old TV is worth less than you paid. Jewelry, art, and collections may need separate riders if over $1,500. Keep receipts for major purchases - photos of receipts work fine. Store your inventory in the cloud - if your house burns down, you don't want the inventory inside! Your policy covers up to $300,000 in personal property. Based on your home size, that should be adequate for most families. Would you like me to email you the worksheet and schedule a follow-up to review your completed inventory?""