Save money with your agent
How to save money on home insurance with an AI agent
Your agent reads your homeowners renewal notice, then Tuvoz calls 3 local independent insurance agencies for prices on the same coverage and lays them next to what you pay now.
What you could save
Homeowners insurance premiums vary widely from company to company.
How to do it with your agent
Step 1
Let your agent read your email
Connect Gmail, or the inbox you use, to your agent so it can find your renewal notice or declarations page: your insurer, premium, dwelling and other coverage, and deductibles.
- claude.ai: connect Gmail under Customize > Connectors. Anthropic's help
- Claude Code: uses the connectors you added on claude.ai when you sign in with your Claude account, so connect Gmail there first. Claude Code docs
- ChatGPT and Codex: add the Gmail plugin under Settings > Plugins. Codex uses the same plugins, except in the IDE extension. OpenAI's help
- Meta Muse: go to Settings > Connectors, or ask it to connect your Gmail. You choose whether it can only read your mail. Meta's help
- OpenClaw: use the bundled gog skill, which needs your own Google OAuth setup. the skill's docs
No email access? Paste it or forward it into the chat instead.
Step 2
Set up Tuvoz
Paste this into your agent. Skip this step if it already has Tuvoz.
Set up Tuvoz: https://staging.tuvoz.io/agentsStep 3
Run this prompt
Paste it into the same chat. Change anything first, like how many places to call.
Find my homeowners insurance renewal notice or declarations page in my email. Then use Tuvoz to call 3 well-reviewed independent insurance agencies near me, at their local numbers, and ask what they'd charge for the same coverage and deductibles on my home. You can share my address and the home's year built, square footage, construction, roof type and age, updates, safety devices and any claims. Don't share dates of birth, policy numbers or card numbers. Don't agree to anything or start a policy; ask me first. Ask which insurers they quote and what they'd need for a firm quote. Show me the plan before you call, then put the prices side by side with what I pay now.
NAIC says homeowners premiums vary widely from company to company, and Consumer Reports suggests starting with multiple quotes from an independent agent. Your agent reads your renewal notice, so it knows what you have now. Tuvoz then calls 3 local independent agencies, asks what the same coverage would cost, and your agent lays the answers next to your current premium. You decide whether to switch.
Who Tuvoz calls
Independent insurance agencies near you, at the local numbers on their listings. An independent agent works with several insurers, so one call can cover more than one company. Tuvoz doesn’t call toll-free lines or mobile numbers.
What the agency hears
Every call opens the same way:
“Hi! I’m Jane Doe’s AI assistant, calling through Tuvoz about a home insurance quote.”
Then it asks whether it may record the call. If they say yes, it describes your home and coverage from your renewal notice: the address, year built, square footage, construction, roof, updates and safety devices, and the coverage amounts and deductibles. Travelers lists these as what an insurer needs for a quote. It asks what they’d charge, which insurers they’d quote, and what they need for a firm quote.
If the agency asks something your agent didn’t put in the brief, like whether you’d bundle car insurance, the voice agent asks your agent during the call. If your agent can’t answer, Tuvoz calls your phone and asks you. More on this in how the mid-call backchannel works.
What comes back
A short table: each agency, the price for the same coverage, which insurer it’s with, anything that differs from your current policy, and what they need for a firm quote, with your current premium in the last row.
What it won’t do
- Share dates of birth, policy numbers or card numbers.
- Agree to a policy, a payment or an inspection without asking you first.
- Change or cancel your current policy.
- Call toll-free numbers or someone’s mobile.
What it costs
Three calls of about 4 minutes each is 12 minutes, or $1.44 (720 seconds × $0.002). Tuvoz charges $0.12 a minute, billed per second with a 30-second minimum per answered call leg, including calls to your own phone. Calls nobody answers cost nothing. A new account starts with 15 minutes of free talk time.
FAQ
- Will an agency quote a home to an AI?
- Some will give a price from the address, the home's details and the coverage you want. Others will want to finish the quote with you directly. The summary says which answers are firm.
- Can Tuvoz switch or cancel my policy?
- No. It asks for prices and brings them back. Insurers check who you are before they change a policy, and Tuvoz doesn't answer those questions. If you switch, start the new policy before you cancel the old one, and tell your mortgage lender if they pay the premium from escrow.
- Why independent agencies?
- Consumer Reports suggests starting with multiple quotes from an independent agent, who can quote several insurers on one call. Most insurers' national sales lines are toll-free, which Tuvoz doesn't call.
- How many agencies can it call?
- A free account can call 3 new numbers a day, one call at a time. A paid account can call 10 new numbers a day, up to 3 at once.
Sources
More ways to save with your agent
- How to save money on car insurance with an AI agent
- How to save money on your phone bill with an AI agent
- How to save money on your internet bill with an AI agent
- How to save money on property tax with an AI agent
- How to save money on car repairs with an AI agent
- How to save money on home repairs with an AI agent
- How the mid-call backchannel works