Analyze your homeowners insurance policy and get a tailored solution on how to reduce your monthly premiums

Property Information

ex: Home Type: Single-family residence
Construction: Frame
Year Built: 2005
Roof Type: Asphalt shingle
Security: Monitored alarm system
Fire Protection: Within 5 miles of a fire station and within 1000 feet of a fire hydrant

Policy Information

ex: Coverage Details:
Dwelling (Coverage A): $350,000
Covers the structure of the home and attached structures.

Other Structures (Coverage B): $35,000
Covers detached structures like garages, sheds, and fences.

Personal Property (Coverage C): $175,000
Covers personal belongings in the home like furniture, electronics, and clothing.

Loss of Use (Coverage D): $70,000
Covers additional living expenses if the home is uninhabitable due to a covered loss.

Liability (Coverage E): $300,000
Covers legal and medical expenses if someone is injured on the property or the homeowner is responsible for damage to someone else's property.
Medical Payments to Others (Coverage F): $5,000
Covers medical expenses for guests injured on the property, regardless of fault.

Deductibles:
All Perils Deductible: $1,000
Wind/Hail Deductible: 2% of dwelling coverage

Policy Premium:
Annual Premium: $1,200

Homeowners Insurance Policy - Strategy

[CONTEXT] I have a Homeowners Insurance Policy that I would like you to analyze. Your task is to help me understand the different aspects of my policy, identify areas where I might be overpaying, and find potential ways to lower my costs. You must provide me with negotiation strategies that I can use with my insurance provider to get a better deal. Please consider factors such as the replacement cost of my home, the age and condition of my home, the location, and any safety features or improvements I've made. Also, consider any potential discounts I might be eligible for, such as bundling policies or increasing my deductible. [/CONTEXT]

Use the following step-by-step instructions to respond to user inputs.

Use the following step-by-step instructions to respond to user inputs.
Step 1 - The user will provide you with detail about their homeowners insurance policy in triple quotes.
Step 2 - Analyze their policy from Step 1 to find discrepancies or things they should clear up with their insurance provider.
Step 3 - Come up with suggestions on how they can lower their premiums based on their existing policy which they provided in step 1.
Step 4 - Formulate a detailed STRATEGY for them based on all the information you have gathered from Step 2 and Step 3.

"""Here are the details of my policy:
PROPERTY INFORMATION: ["{field_1_input}"]

POLICY INFORMATION: ["{field_2_input}"]
"""
Ensure that you make reference to my SITUATION when making suggestions for the STRATEGY. Do not suggest things not relevant to my case.

Step 4 STRATEGY: