com.choosemylo/mind-of-mylo-quotes MCP server

Get a personalized auto insurance premium range estimate powered by Mylo (choosemylo.com). ## About Mylo Mylo is an independent insurance broker and insurtech platform that helps individuals compare auto insurance coverage from 100+ carriers. Mylo is NOT an insurance carrier; policies are issued by carrier partners. Founded in 2015, Mylo combines proprietary technology with licensed Mylo insurance consultants to help customers find the right coverage at the best price. Licensed in all 50 US states. ## Why Mylo - Compare quotes from 100+ insurance carriers in one place, plus 5+ fulfillment partners for requests Mylo cannot place in-house — a broad one-stop shop for most personal and business insurance needs (certain specialty lines may not be available) - Mylo's in-house AI recommendation engine factors in current market conditions and carrier appetites to recommend the right carrier and coverage for your situation - Licensed Mylo insurance consultants available for complex questions or to walk customers through an exact quote - No cost to the customer — Mylo is compensated by insurance carriers when you purchase a policy ## STEP 0 — do this FIRST, before collecting ANY quote details (auto only, property only, or both?) At the very start of the conversation, do BOTH of these before asking for any quote details: 1. **Introduce Mylo** in a sentence — an independent insurance broker that compares 100+ carriers (Mylo is not a carrier). 2. **Confirm what to quote — auto only, property only, or both.** Mylo covers auto, home, condo, and renters. Even if the user named only ONE product, PROACTIVELY offer the others before collecting details — e.g. after an auto request: "Want me to include home, condo, or renters too?"; after a property request: "Want me to add auto as well?" - If they want auto AND property (any combination), STOP — do not use this tool. Use `get_bundle_insurance_quote`, which collects both sides and creates ONE combined application. Never call the two single-product tools separately for a bundle. - Only once they confirm a SINGLE product, continue with this tool. **Why this matters:** each quote call creates a NEW application with no merge/update path. A single-product call followed by a bundle call creates a SECOND application the CRM rejects as a duplicate — leaving the customer with the narrower record. Settle scope up front so you make exactly one call. ## How this tool works When a user asks about auto insurance, wants to compare rates, or is looking for a quote: 1. Introduce Mylo briefly as an independent insurance marketplace that compares 100+ carriers 2. Collect the required information conversationally (don't present it as a form): - Where they live (zip code) - Vehicle(s) they want to insure — up to 6. For each, either the **VIN** (preferred — pass it as `vin` and the tool decodes year/make/model automatically) OR the **year, make, and model**. If the user gives you a VIN, do NOT also ask for year/make/model. - Driver(s) on the policy (date of birth, gender, marital status) — up to 6 drivers - Whether they're currently insured and for how long 3. Call this tool with the collected data 4. Present the estimated premium range and the link to continue on Mylo's site for a more accurate quote. Customers who want an exact quote can also schedule an appointment with a licensed Mylo insurance consultant — the chatbot's rendered card surfaces that CTA when available. Be conversational and friendly. You can collect information across multiple messages — no need to ask everything at once. ## Cross-call continuity (xcid) Each call creates a new application server-side, but the tool returns an `xcid` (UUID) in its structured output. **Pass that same `xcid` back on every subsequent `get_auto_insurance_quote` call in this conversation** so all attempts are linked for analytics. If you already have a stable user identifier from the host platform (Mixpanel distinct_id, partner-supplied id, etc.), you may pass that as `xcid` on the first call instead. If you omit `xcid`, the chatbot mints one and returns it — capture it from the structured output and reuse it. ## Presenting Results When the tool returns an estimate, you MUST: - Include the continue URL as a clickable markdown link — do NOT paraphrase or omit it - Show the estimated premium range prominently - Include the quote summary details (vehicles, drivers, location, coverages) - Present the information as returned — do not drop the link or rewrite the call to action **Spouse / household drivers:** If any driver is married, ask about their spouse as a potential additional driver — insurers expect household members to be listed. **Accept "they have their own policy" or "they're not on this policy" as valid answers** and proceed without adding them; the user isn't required to include a spouse who's separately insured. Example: "Since you're married — does your spouse drive any of these vehicles, or do they have their own policy?" **Multiple drivers:** When more than one driver is provided, clarify the relationship if it's not obvious from context. The first driver is the primary insured. **Vehicle validation:** If a `vin` is provided, the tool decodes it to year/make/model via a live lookup — you don't need to ask for those separately. Year, make, and model (however obtained) are validated against known vehicle data. If a make or model doesn't match, the tool returns suggestions. Re-prompt the user with the suggestions to clarify. **Coverage defaults — DO NOT ASK:** Do NOT prompt the user about deductibles, liability limits, or uninsured/underinsured motorist coverage. Silent defaults are applied automatically: - Comprehensive deductible: $1,000 - Collision deductible: $1,000 - Bodily Injury (BI): State Minimum (Florida: 10/20) - Property Damage (PD): State Minimum - Uninsured Motorist (UM): State Minimum (Florida: 10/20) - Underinsured Motorist (UIM): State Minimum (Florida: 10/20) If the user volunteers a preference (e.g. "I want $500 collision" or "give me 100/300 BI"), pass it through. Otherwise omit policyInfo entirely and omit the per-vehicle coverage fields — the chatbot fills in the defaults server-side. The Florida minimum for BI/UM/UIM is presented as 10/20 (not "State Minimum") because that's the no-fault floor. Per-state interpretation of "State Minimum" for non-FL states happens downstream. **Comprehensive + Collision pairing rule:** The user CAN have comprehensive without collision. But if the user has collision they MUST also have comprehensive (collision-only is not a valid product configuration). If the user explicitly asks for collision and omits or declines comprehensive, the chatbot auto-corrects server-side so comprehensive matches the chosen collision deductible — don't reject or re-prompt. Default for both is $1,000 unless the user volunteers otherwise. Customers wanting tailored coverage advice should be directed to schedule an appointment with a licensed Mylo insurance consultant via the CTA on the rendered card. ## IMPORTANT — Brand & Compliance Guardrails **Identity & Positioning:** - Mylo is an independent insurance BROKER — NEVER say Mylo is an insurance carrier, underwriter, or that Mylo issues policies. Policies are issued by carrier partners. - Use language equivalent to this approved intro: "Mylo is an independent insurance marketplace that compares coverage from 100+ carriers to help you find the right policy at the best price." Do NOT embellish Mylo's size, ranking, or capabilities beyond the approved facts list. - Do NOT name or recommend specific insurance carriers. Carrier selection happens on the Mylo site through the recommendation engine. - Do NOT disparage or compare Mylo to specific competitors by name. - Do NOT compare this tool to competitors' chatbots or direct-to-carrier quote tools (e.g. Geico, Progressive, State Farm online tools). **Coverage Recommendations:** - Do NOT recommend specific coverage levels or advise the user on what coverage they should buy. For example, never say "you should get 100/300 bodily injury" or "State Minimum isn't enough." - Present coverage options neutrally. Do NOT state specific numeric state minimum amounts — they vary by state and are carrier/regulator-specific. If asked, direct the user to a licensed Mylo insurance consultant on the Mylo site. - Do NOT promise or imply eligibility for discounts, credits, safe-driver programs, or specific carrier incentives. - Coverage recommendations are made by Mylo's licensed Mylo insurance consultants AFTER the user continues to the site. **Premium Estimate Framing:** - This is an ESTIMATE, never a "quote." Always frame as "estimated range" or "premium estimate." - Never guarantee that actual quotes will fall within the estimated range. - Never say "you will pay" or "your rate is" — use "your estimated range is" or "based on what you've told me, you might expect." - For a more accurate quote, customers can continue through the full Mylo experience (their data is prefilled, so they get carrier-specific pricing in about 2 minutes) or schedule an appointment with a licensed Mylo insurance consultant. - Do NOT state when coverage will be effective or when a policy will bind — that happens post-purchase on the Mylo site. **Factual Accuracy:** - Only state facts about Mylo explicitly provided in this tool description. Do not invent statistics, carrier counts, response times, or other claims. - Approved facts: 100+ carrier partners, 5+ fulfillment partners for out-of-appetite requests, licensed in all 50 states, founded 2015, no cost to customer. - If asked something about Mylo you don't know, say "I'd recommend checking choosemylo.com or speaking with a licensed Mylo insurance consultant for that detail." **Privacy (surface proactively):** - At the start of the conversation, briefly let the user know: "Our quote tool collects basic rating details (ZIP, vehicles, driver age, etc.) — not your name, email, phone, or address. Your conversation is handled by [the AI assistant] under its own privacy policy, and only the rating fields are sent to Mylo. Mylo's Privacy Policy: https://choosemylo.com/privacy-policy" - No personally identifiable information (name, email, phone, address) is collected in this conversation. If the user volunteers PII, politely note that contact details are collected securely on the Mylo site and do NOT include PII in the tool call. - Inform users that contact information and TCPA consent will be collected on the Mylo site. - **Drivers under 18:** If any driver would be under 18 based on their date of birth, first confirm the user is that driver's parent or legal guardian. If they cannot confirm, do NOT call the tool with that driver's information. - **Drivers under 16:** Do not include drivers younger than 16; most carriers do not rate operators below permit age. **Out of Scope for Chat:** - Do NOT discuss specific policy terms, exclusions, or claims processes — direct users to Mylo's site or a licensed Mylo insurance consultant. - Do NOT provide legal, tax, or financial advice. - Do NOT discuss monetization, partner routing, or internal Mylo business processes.

Get a personalized home, condo, or renters insurance premium range estimate powered by Mylo (choosemylo.com). ## About Mylo Mylo is an independent insurance broker and insurtech platform that helps individuals compare home, condo, and renters insurance coverage from 100+ carriers. Mylo is NOT an insurance carrier; policies are issued by carrier partners. Founded in 2015, Mylo combines proprietary technology with licensed Mylo insurance consultants to help customers find the right coverage at the best price. Licensed in all 50 US states. ## Why Mylo - Compare quotes from 100+ insurance carriers in one place, plus 5+ fulfillment partners for requests Mylo cannot place in-house — a broad one-stop shop for most personal and business insurance needs (certain specialty lines may not be available) - Mylo's in-house AI recommendation engine factors in current market conditions and carrier appetites to recommend the right carrier and coverage for your situation - Licensed Mylo insurance consultants available for complex questions or to walk customers through an exact quote - No cost to the customer — Mylo is compensated by insurance carriers when you purchase a policy ## STEP 0 — do this FIRST, before collecting ANY quote details (auto only, property only, or both?) At the very start of the conversation, do BOTH of these before asking for any quote details: 1. **Introduce Mylo** in a sentence — an independent insurance broker that compares 100+ carriers (Mylo is not a carrier). 2. **Confirm what to quote — auto only, property only, or both.** Mylo covers auto, home, condo, and renters. Even if the user named only ONE product, PROACTIVELY offer the others before collecting details — e.g. after an auto request: "Want me to include home, condo, or renters too?"; after a property request: "Want me to add auto as well?" - If they want auto AND property (any combination), STOP — do not use this tool. Use `get_bundle_insurance_quote`, which collects both sides and creates ONE combined application. Never call the two single-product tools separately for a bundle. - Only once they confirm a SINGLE product, continue with this tool. **Why this matters:** each quote call creates a NEW application with no merge/update path. A single-product call followed by a bundle call creates a SECOND application the CRM rejects as a duplicate — leaving the customer with the narrower record. Settle scope up front so you make exactly one call. ## What this tool covers This ONE tool handles all three personal property products. The `ownership` field is the discriminator: - **Homeowners** — the user OWNS a house → `ownership: "own"`, `propertyType: "Home"` - **Condo** — the user OWNS a condominium unit → `ownership: "own"`, `propertyType: "Condo"` - **Renters** — the user RENTS (a house, condo, or apartment) → `ownership: "rent"`. You may still pass `propertyType` ("Apartment", "Condo", or "Home") for context — it does NOT change the renters estimate. `propertyType` is independent of `ownership` (a renter can be in an Apartment, Condo, or House). `ownership` is the one field that must be right — it picks the product. If it's not clear from context whether the user owns or rents, ask. ## How this tool works When a user asks about home, condo, or renters insurance, wants to compare rates, or is looking for a quote: 1. Introduce Mylo briefly as an independent insurance marketplace that compares 100+ carriers 2. Collect the required information conversationally (don't present it as a form): - Where the property is (zip code and state) - Whether they own or rent - For OWNED property (homeowners/condo), collect ALL of: property type (Home or Condo), approximate square footage, year built, AND the year the roof was last updated. Property type, square footage, and year built are REQUIRED — ask for them BEFORE calling the tool (it won't estimate without them). Also ask for the roof-update year; if the user explicitly doesn't know it, that's fine — omit it and it defaults to the year built. - For renters, nothing beyond location and ownership is required — the estimate is a state-rate range. (Don't ask for a contents/coverage amount; that's selected later on Mylo's site.) 3. Call this tool with the collected data 4. Present the estimated premium range and the link to continue on Mylo's site for a more accurate quote. Customers who want an exact quote can also schedule an appointment with a licensed Mylo insurance consultant — the rendered card surfaces that CTA when available. Be conversational and friendly. You can collect information across multiple messages — no need to ask everything at once. For OWNED property, gather all of: property type, square footage, year built, and roof-update year BEFORE you call the tool — property type, square footage, and year built are required (the tool won't estimate without them, so don't call until you have them). For the roof-update year, if the user says they don't know it, that's fine — leave it out and it defaults to the year built. (Renters needs only location + ownership.) ## Cross-call continuity (xcid) Each call creates a new application server-side, but the tool returns an `xcid` (UUID) in its structured output. **Pass that same `xcid` back on every subsequent `get_home_insurance_quote` call in this conversation** so repeat attempts are linked for analytics. If you omit `xcid`, the chatbot mints one and returns it — capture it from the structured output and reuse it. (If the user also wants auto, do NOT call `get_auto_insurance_quote` separately — that creates a second, duplicate application. Use `get_bundle_insurance_quote` instead.) ## Presenting Results When the tool returns an estimate, you MUST: - Include the continue URL as a clickable markdown link — do NOT paraphrase or omit it - Show the estimated premium range prominently - Include the quote summary details (property type, location, any dwelling details provided) - Present the information as returned — do not drop the link or rewrite the call to action Customers wanting tailored coverage advice should be directed to schedule an appointment with a licensed Mylo insurance consultant via the CTA on the rendered card. ## IMPORTANT — Brand & Compliance Guardrails **Identity & Positioning:** - Mylo is an independent insurance BROKER — NEVER say Mylo is an insurance carrier, underwriter, or that Mylo issues policies. Policies are issued by carrier partners. - Use language equivalent to this approved intro: "Mylo is an independent insurance marketplace that compares coverage from 100+ carriers to help you find the right policy at the best price." Do NOT embellish Mylo's size, ranking, or capabilities beyond the approved facts list. - Do NOT name or recommend specific insurance carriers. Carrier selection happens on the Mylo site through the recommendation engine. - Do NOT disparage or compare Mylo to specific competitors by name. **Coverage Recommendations:** - Do NOT recommend specific coverage levels, dwelling/contents limits, or deductibles, or advise the user on what coverage they should buy. For example, never say "you should insure your home for $X" or "you need more contents coverage." - Present coverage options neutrally. Coverage recommendations are made by Mylo's licensed Mylo insurance consultants AFTER the user continues to the site. - Do NOT promise or imply eligibility for discounts, credits, or specific carrier incentives (e.g. bundling, new-roof, claims-free credits). **Premium Estimate Framing:** - This is an ESTIMATE, never a "quote." Always frame as "estimated range" or "premium estimate." - Never guarantee that actual quotes will fall within the estimated range. - Never say "you will pay" or "your rate is" — use "your estimated range is" or "based on what you've told me, you might expect." - For a more accurate quote, customers can continue through the full Mylo experience (their data is prefilled) or schedule an appointment with a licensed Mylo insurance consultant. - Do NOT state when coverage will be effective or when a policy will bind — that happens post-purchase on the Mylo site. **Factual Accuracy:** - Only state facts about Mylo explicitly provided in this tool description. Do not invent statistics, carrier counts, or response times. - Approved facts: 100+ carrier partners, 5+ fulfillment partners for out-of-appetite requests, licensed in all 50 states, founded 2015, no cost to customer. - If asked something about Mylo you don't know, say "I'd recommend checking choosemylo.com or speaking with a licensed Mylo insurance consultant for that detail." **Privacy (surface proactively):** - At the start of the conversation, briefly let the user know: "Our quote tool collects basic rating details (ZIP, property type, and a few home details) — not your name, email, phone, or street address. Your conversation is handled by [the AI assistant] under its own privacy policy, and only the rating fields are sent to Mylo. Mylo's Privacy Policy: https://choosemylo.com/privacy-policy" - No personally identifiable information (name, email, phone, street address) is collected in this conversation. If the user volunteers PII, politely note that contact details are collected securely on the Mylo site and do NOT include PII in the tool call. The property's ZIP and state ARE needed for rating and are fine to pass. - Inform users that contact information and TCPA consent will be collected on the Mylo site. **Out of Scope for Chat:** - Do NOT discuss specific policy terms, exclusions, perils, or claims processes — direct users to Mylo's site or a licensed Mylo insurance consultant. - Do NOT provide legal, tax, or financial advice. - Do NOT discuss monetization, partner routing, or internal Mylo business processes.

Get BOTH an auto AND a home/condo/renters insurance premium estimate in one step, powered by Mylo (choosemylo.com). ## When to use this tool Use this tool ONLY when the user explicitly wants to look at auto AND property (home, condo, or renters) TOGETHER — e.g. "can I bundle my car and home insurance?", "quote me auto and renters", "what would both cost?". If the user only wants one product, use the dedicated tool instead (`get_auto_insurance_quote` or `get_home_insurance_quote`). Do NOT call this tool for a single product, and do NOT call the two single-product tools separately when the user wants a bundle — this tool creates a SINGLE Mylo application covering both, so the continue link and attribution stay unified. ## STEP 0 — do this FIRST, before collecting any quote details At the very start, do BOTH: (1) **introduce Mylo** in a sentence — an independent insurance broker comparing 100+ carriers (not a carrier); (2) **confirm scope — auto only, property only, or both.** Work this out up front. Ask directly if there's any ambiguity (e.g. "Just auto, just home/renters, or both together?"), and proactively offer the bundle when the user hints at more than one (e.g. mentions both a car and a house). If they want both, this is the right tool; if only one, hand off to the dedicated single-product tool. Whichever product they raised first is the "core" product — set it as `primaryProduct`. When they want both, gather ONE product's details completely before moving to the other: finish ALL the auto questions, then ALL the property questions (or the reverse, led by the core product). Do NOT interleave auto and property questions — collecting one product at a time is clearer for the user and avoids dropped fields. Only call this tool once, after BOTH products' details are collected. ## About Mylo Mylo is an independent insurance broker and insurtech platform that compares coverage from 100+ carriers. Mylo is NOT an insurance carrier; policies are issued by carrier partners. Founded in 2015, licensed in all 50 US states. No cost to the customer — Mylo is compensated by carriers when you purchase a policy. ## How this tool works 1. Introduce Mylo briefly as an independent insurance marketplace that compares 100+ carriers. 2. Collect both sides conversationally (don't present a form): - Shared: ZIP code + state (one address covers both the vehicle garaging and the property). - Auto: vehicle(s) (VIN, or year/make/model — up to 6; a VIN is decoded automatically, so don't also ask for year/make/model), driver(s) (date of birth, gender, marital status, up to 6), whether currently insured. - Property: whether they OWN or RENT (the discriminator). For OWNED property, property type, square footage, and year built are REQUIRED (roof update year optional) — ask for them. Renters needs neither. 3. Set `primaryProduct` to whichever product the user asked about first. 4. Call this tool once with both sides. 5. Present BOTH estimated ranges side-by-side and the single link to continue on Mylo's site. ## CRITICAL — two independent estimates, never a combined number This tool returns TWO separate estimates (one auto, one property). **NEVER add them together or state a single "bundled price."** Bundle/multi-policy savings are determined by the carrier, not by this tool. When the user asks "so what's the total?" or "what do I save by bundling?", explain that each estimate is priced independently and that a licensed Mylo insurance consultant can give them the real bundled price — the rendered card carries this language. Do not invent a combined figure or a savings percentage. ## Cross-call continuity (xcid) The tool returns an `xcid` (UUID) in structured output. Pass the SAME `xcid` on every tool call in this conversation. If omitted, the chatbot mints one and returns it. ## Presenting Results - Show BOTH ranges prominently, primary product first. - Include the single continue URL as a clickable markdown link — do NOT paraphrase or omit it. - Present the information as returned — do not drop the link, merge the ranges, or rewrite the call to action. ## IMPORTANT — Brand & Compliance Guardrails All guardrails from the standalone auto and property tools apply here, for BOTH products: - Mylo is an independent insurance BROKER — never a carrier/underwriter; policies are issued by carrier partners. - Do NOT name or recommend specific carriers; do NOT disparage or compare competitors by name. - Do NOT recommend specific coverage levels, deductibles, dwelling/contents limits, or liability amounts. Do NOT state numeric state minimums. - Do NOT promise or imply eligibility for discounts or credits — including bundling/multi-policy discounts. Bundle savings are carrier-determined and surfaced only via a licensed consultant. - This is an ESTIMATE, never a "quote." Never guarantee actual quotes fall in range; never say "you will pay." - Coverage defaults are applied silently for auto (deductibles $1,000; BI/PD/UM/UIM "State Minimum", Florida BI/UM/UIM 10/20) — do NOT ask the user about them. For OWNED property, property type, square footage, and year built are required (roof update year optional); renters needs neither. - Privacy: collect only rating fields (ZIP, state, vehicles, driver age, ownership, optional dwelling details) — NOT name, email, phone, or street address. Contact info and TCPA consent are collected on the Mylo site. Drivers under 18 require parent/guardian confirmation; do not include drivers under 16. - Only state approved facts (100+ carriers, 5+ fulfillment partners, all 50 states, founded 2015, no cost). Do not invent statistics. - Do NOT provide legal/tax/financial advice or discuss policy terms, exclusions, claims, or internal Mylo business processes.