5 Claude Prompts for Insurance Policy Summaries

Why Use AI for Policy Summaries?

Writing a clear, client-friendly policy summary from scratch takes 30 to 60 minutes per policy. You are reading through carrier documents, translating insurance jargon into plain English, deciding what to highlight, and formatting it into something a client will actually read. Multiply that by every new policy, every renewal, and every mid-term change, and you are looking at 3 to 5 hours per week on summaries alone.

Claude can generate a structured, professional policy summary in under 5 minutes when you feed it the right coverage details. The key is giving Claude specific inputs — coverage amounts, deductibles, endorsements, exclusions, and client context. Vague prompts produce vague summaries. Detailed inputs produce summaries your clients will actually reference and appreciate.

These prompts are built around real insurance agency workflows. They use terminology and structure familiar to independent agents and produce output that is ready to send to clients after a quick review. You still need to verify every detail against the actual policy, but the heavy lifting of organizing and writing the summary is handled.

The Prompts

Prompt 1: Homeowners Policy Summary

Use this for residential homeowners (HO-3, HO-5) policy summaries for new or renewing clients.

You are an insurance documentation assistant helping an independent agent create a client-friendly policy summary. Write a clear, comprehensive homeowners policy summary using the details below.

<policy-details>
- Policy form: [e.g., HO-3 Special Form]
- Client: [e.g., First-time homebuyers, married couple in their 30s]
- Dwelling coverage (Coverage A): [e.g., $385,000 guaranteed replacement cost]
- Other structures (Coverage B): [e.g., $38,500 (10% of dwelling)]
- Personal property (Coverage C): [e.g., $192,500 replacement cost]
- Loss of use (Coverage D): [e.g., $77,000]
- Personal liability (Coverage E): [e.g., $300,000]
- Medical payments (Coverage F): [e.g., $5,000]
- Deductible: [e.g., $1,500 wind/hail, $1,000 all other perils]
- Endorsements: [e.g., Water backup $15,000, scheduled jewelry rider $12,000, identity theft $25,000, equipment breakdown]
- Notable exclusions: [e.g., Flood not covered (NFIP recommended), earthquake excluded, home business equipment limited to $2,500, trampoline exclusion]
</policy-details>

<instructions>
- Address the summary to the client in a warm, professional tone
- Organize by coverage section with clear headers
- Explain each coverage in one plain-English sentence — what it protects and why it matters
- Highlight the endorsements as added protections they specifically chose
- Clearly list what is NOT covered with a brief explanation of why it matters
- Include 4-5 specific action items: when to call their agent, what changes to report, how to file a claim
- End with a reassuring close
- Keep it under 600 words total
</instructions>

Example Output:

Your Homeowners Insurance Summary

Dear [Client Name],

Congratulations on your new home. Here is a plain-English overview of what your homeowners insurance covers, what it does not, and what you should know as a homeowner.

Your Home (Dwelling Coverage) — $385,000

This covers the cost to rebuild your home if it is damaged or destroyed by a covered event — fire, windstorm, hail, theft, vandalism, and more. Your policy includes guaranteed replacement cost, which means even if rebuilding costs exceed $385,000 due to inflation or material costs, your carrier will cover the full rebuild. This is one of the strongest protections available.

Your Belongings (Personal Property) — $192,500

This covers your furniture, clothing, electronics, and personal items if they are damaged, destroyed, or stolen — even if the loss happens away from home (like a laptop stolen while traveling). Your policy includes replacement cost coverage, meaning you receive enough to buy new items, not a depreciated value.

If You Cannot Live in Your Home (Loss of Use) — $77,000

If a covered event makes your home uninhabitable, this pays for temporary housing, meals, and additional living expenses while repairs are made.

Liability Protection — $300,000

If someone is injured on your property or you accidentally damage someone else's property, this covers legal defense and settlements up to $300,000. Medical payments coverage provides up to $5,000 for minor injuries to guests regardless of fault.

Your Added Protections

- Water backup coverage ($15,000) protects against sewer and drain backup damage

- Scheduled jewelry coverage ($12,000) provides full value protection for your engagement ring

- Identity theft coverage ($25,000) covers expenses if your identity is stolen

- Equipment breakdown covers mechanical failure of home systems

What Is NOT Covered

- Flood damage is not covered by homeowners insurance. If your home is in or near a flood zone, we strongly recommend a separate flood policy through the NFIP.

- Earthquake damage is excluded under standard policies.

- Home business equipment beyond $2,500 requires a separate business endorsement.

Your Action Items

1. Report changes — Call us if you renovate, add a structure, start a home business, or acquire valuable items over $5,000.

2. Keep an inventory — Photograph or video your belongings annually. Store it in the cloud.

3. Know your deductible — You pay $1,000 out of pocket for most claims, or $1,500 for wind/hail damage.

4. File claims promptly — Contact us immediately after any loss. We will walk you through the process.

5. Review annually — We recommend a yearly coverage check to make sure your policy keeps up with your life.

Prompt 2: Auto Policy Summary

For personal auto policy summaries covering liability, collision, comprehensive, and add-ons.

Write a client-friendly auto insurance policy summary using the details below. The summary should help the client understand exactly what they are paying for and what to do if they need to use their coverage.

<policy-details>
- Vehicles: [e.g., 2024 Toyota RAV4, 2021 Honda Accord]
- Drivers: [e.g., Two adult drivers, clean records, one teen driver with driver's ed discount]
- Bodily injury liability: [e.g., $100,000/$300,000]
- Property damage liability: [e.g., $100,000]
- Uninsured/underinsured motorist: [e.g., $100,000/$300,000]
- Medical payments: [e.g., $10,000]
- Collision deductible: [e.g., $500 on both vehicles]
- Comprehensive deductible: [e.g., $250 on both vehicles]
- Endorsements: [e.g., Roadside assistance, rental reimbursement $50/day for 30 days, new car replacement on RAV4]
- Discounts applied: [e.g., Multi-policy, good driver, teen driver's ed, anti-theft, paperless]
</policy-details>

<instructions>
- Write in plain English — explain what each coverage actually does with a real-world example
- Group coverages logically: "If you cause an accident," "If someone hits you," "If your car is damaged," "Extra protections"
- List discounts they are receiving — clients like to see they are getting a good deal
- Include what to do after an accident: step-by-step
- Mention the teen driver situation naturally — parents want to know their kid is covered
- Keep it under 500 words
</instructions>

Prompt 3: Commercial BOP Summary

For small business owners with a Business Owners Policy.

Write a clear, professional policy summary for a small business owner who has a Business Owners Policy (BOP). The client is not an insurance expert — explain everything in business terms they understand.

<policy-details>
- Business: [e.g., Local coffee shop with 8 employees, one retail location]
- Building coverage: [e.g., $500,000 replacement cost (leased space — tenant improvements)]
- Business personal property: [e.g., $150,000 (equipment, fixtures, inventory)]
- Business income: [e.g., $100,000 with 72-hour waiting period]
- General liability: [e.g., $1,000,000 per occurrence / $2,000,000 aggregate]
- Medical payments: [e.g., $10,000]
- Deductible: [e.g., $1,000]
- Endorsements: [e.g., Equipment breakdown, hired/non-owned auto, employee dishonesty $25,000, spoilage $10,000]
- Notable exclusions: [e.g., Workers compensation required separately, liquor liability excluded (no alcohol sales), professional liability not included, cyber coverage not included]
</policy-details>

<instructions>
- Use business scenarios to explain each coverage: "If a customer slips and falls..." "If a kitchen fire damages your equipment..."
- Explain business income coverage clearly — most business owners do not understand it until they need it
- Highlight the 72-hour waiting period and what it means practically
- List endorsements as "added protections for your specific business"
- Clearly call out what requires separate coverage (workers comp, cyber, etc.)
- Include 5 action items specific to a business owner
- Keep it conversational but professional — the client should feel informed, not sold to
</instructions>

Prompt 4: Life Insurance Policy Summary

For individual or family life insurance policy summaries.

Write a warm, clear life insurance policy summary that helps a client understand their coverage without feeling overwhelmed. Life insurance is an emotional topic — the tone should be reassuring and straightforward.

<policy-details>
- Policy type: [e.g., 20-year level term]
- Insured: [e.g., Primary breadwinner, age 35, married with two children]
- Death benefit: [e.g., $750,000]
- Annual premium: [e.g., $685 ($57.08/month)]
- Riders: [e.g., Accelerated death benefit (included), waiver of premium (disability), child term rider $10,000 per child]
- Beneficiary: [e.g., Spouse as primary, children's trust as contingent]
- Conversion privilege: [e.g., Convertible to permanent policy until age 55 without medical underwriting]
- Term period: [e.g., Level premium through age 55, renewable annually after at increased rates]
</policy-details>

<instructions>
- Open with a warm, simple statement about what this policy does for their family
- Explain the death benefit in practical terms — what it would cover (mortgage payoff, income replacement, college funding)
- Explain each rider simply and why it matters
- Highlight the conversion privilege as a valuable option for the future
- Explain what happens at the end of the term in clear terms
- Note the beneficiary structure and why it matters
- Include 3-4 action items: when to update beneficiaries, how to file a claim, when to consider converting
- Keep the tone warm and professional — this is about protecting their family, not a financial product
</instructions>

Prompt 5: Umbrella Policy Summary

For personal umbrella policy summaries that explain excess liability in plain English.

Write a policy summary for a personal umbrella policy that makes a client feel good about their purchase. Most people buy umbrella coverage because their agent recommended it but do not fully understand what it does. Fix that.

<policy-details>
- Umbrella limit: [e.g., $1,000,000]
- Underlying requirements met: [e.g., Home liability $300,000, auto liability $250/$500/$100]
- Self-insured retention: [e.g., $10,000 for claims not covered by underlying policies]
- What it covers: [e.g., Excess liability over home and auto, personal injury (libel, slander), worldwide coverage, defense costs in addition to limits]
- What it does NOT cover: [e.g., Business activities, intentional acts, professional liability, contractual liability, punts aircraft/watercraft over 26ft]
- Annual premium: [e.g., $280]
</policy-details>

<instructions>
- Start by explaining the umbrella concept simply: "Think of it as a safety net above your other policies"
- Use 2-3 real-world scenarios that would trigger umbrella coverage (serious car accident, pool party injury, dog bite lawsuit, social media defamation claim)
- Explain the self-insured retention simply — when it applies and when it does not
- Highlight the value proposition: $1M in protection for what amounts to less than $1/day
- Note that it covers defense costs in addition to the policy limit — a major benefit most clients do not realize
- Include the key exclusions in plain language
- Action items: maintain underlying limits, report any potential claims early, review annually
- Keep it under 400 words
</instructions>

Tips for Better Results

Never paste real client data into Claude. Use de-identified descriptions and round numbers. Once Claude generates the draft, populate real details in your agency management system. Client confidentiality is not optional.

Include the client's context. A first-time homebuyer needs a different summary than a real estate investor on their fifth property. Tell Claude who the client is and what they care about, and the summary will be dramatically more useful.

Always verify coverage details. Claude generates summaries from the information you provide. If you give it incorrect coverage amounts, deductibles, or endorsements, the summary will be wrong. Always cross-check the output against the actual policy declarations page.

Save your best prompts as templates. Once you dial in a prompt that produces summaries matching your agency's style, save it. Swap in the details for each client and your 45-minute task becomes a 5-minute one.

Use summaries as a relationship tool. A clear, professional policy summary is one of the most appreciated things an agent can provide. It differentiates you from agents who just send a declarations page. Use Claude to make this your standard practice for every client.

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