---
name: insurepulse.vercel.app
description: insurepulse.vercel.app provides informational renters insurance guidance by analyzing a renter's profile and returning coverage recommendations, identified policy gaps, carrier comparisons, and benchmark premium ranges. It does not bind coverage or issue policies. Output is educational and comparative, not a licensed insurance recommendation.
host: insurepulse.vercel.app
---

# insurepulse.vercel.app

InsurePulse is a single-purpose informational tool for renters insurance analysis. It serves agents and applications that need to help renters understand appropriate coverage levels, spot common gaps (e.g., jewelry sublimits, identity theft riders), and compare carrier options based on inputs like ZIP code, property value, dog ownership, and net worth. It is distinct from insurance marketplaces or licensed brokers in that it provides structured guidance data rather than binding quotes or policy issuance.

## When to use this host

Use this host when an agent needs to estimate renters insurance coverage needs, surface common policy gaps, or compare carrier options for a given renter profile defined by ZIP code, property value, dog ownership, and net worth. Do not use it for homeowners, auto, or commercial insurance — no skills exist for those lines. Do not use it to bind or issue actual coverage; it is informational only. For licensed quoting or policy binding, route to a licensed insurance marketplace or carrier API instead. For non-renters personal lines (auto, home), use a host that explicitly supports those product types.

## Capabilities

### Renters Insurance Analysis

Accepts a renter profile and returns a full coverage recommendation package including gap identification, umbrella suggestions, carrier comparisons, benchmark pricing, and an action plan.

- **`fetch-renters-insurance-quote`** — Returns recommended renters insurance coverage amounts, identified coverage gaps, carrier comparisons, and benchmark pricing for a given renter profile.

## Skill reference

### `fetch-renters-insurance-quote`

**Renters Insurance Quote** — Returns recommended renters insurance coverage amounts, identified coverage gaps, carrier comparisons, and benchmark pricing for a given renter profile.

*Use when:* Use when an agent needs to estimate renters insurance coverage needs, identify common policy gaps (e.g., jewelry sublimits, identity theft), compare carriers, or get benchmark premium ranges based on property value, ZIP code, dog ownership, or net worth.

*Not for:* Do not use for homeowners, auto, or commercial insurance quotes. Not suitable for binding actual coverage — this is informational guidance only, not a licensed insurance recommendation.

**Inputs:**

- `zip` (string) — ZIP code for geographic rate context.
- `value` (number) — Estimated personal property value in USD.
- `dog` (boolean) — Whether the tenant has a dog, which affects liability recommendations.
- `net_worth` (number) — Estimated net worth in USD, used to determine whether an umbrella policy is recommended.
- `lang` (string) — Language for the response output.

**Returns:** Returns a coverage recommendation object, list of coverage gaps with fixes and costs, umbrella policy recommendation, carrier options with pricing, benchmark premium data, and a step-by-step action plan.

**Example:** `GET https://insurepulse.vercel.app/api/insure/renters?zip=90210&value=30000&dog=false&net_worth=80000`

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