insurance-policy-decoder
Decode a home, renters, or auto insurance policy into what's actually covered, what's excluded, and what the payout math really looks like before you need it. Use when someone asks 'what does my insurance actually cover', 'decode my policy', 'is this deductible normal', or 'actual cash value vs replacement cost'. Produces a coverage decode with real payout scenarios, ranked exclusion red flags, the ACV-vs-replacement-cost math, and the questions to ask your agent before renewal.
npx skills add mohitagw15856/pm-claude-skills --skill insurance-policy-decoder --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Insurance Policy Decoder Skill Insurance policies are read twice: at signing (by no one) and after the loss (too late). This skill does the first reading properly — what each coverage line pays in a real scenario, which exclusions swallow which promises, and whether "covered" means replaced-new or depreciated-to-pennies. The declarations page is marketing; the exclusions and definitions sections are the policy. ## What This Skill Produces - A coverage-by-coverage decode with a concrete payout scenario for each ("kitchen fire, $40k damage → policy pays X because…") - Ranked red flags: exclusions that gut headline coverage, sublimits, ACV traps, coinsurance penalties - The ACV vs. replacement-cost math, shown on the user's actual property - Questions for the agent — gaps found, endorsements worth pricing, and what to get in writing ## Required Inputs Ask for these only if they aren't already provided: - **The policy documents** — declarations page at minimum; exclusions/definitions sections if available. With only a declarations page, decode what's visible and list the sections still needed — the exclusions are where the reading matters. - **What's being protected** — home value an
- What This Skill Produces
- Required Inputs
- Framework: Severity Scale
- Output Format
- Policy Decode: [type — carrier, policy period]
- Quality Checks
- Anti-Patterns
- Based On
What does the insurance-policy-decoder skill do?
Decode a home, renters, or auto insurance policy into what's actually covered, what's excluded, and what the payout math really looks like before you need it. Use when someone asks 'what does my insurance actually cover', 'decode my policy', 'is this deductible normal', or 'actual cash value vs replacement cost'. Produces a coverage decode with real payout scenarios, ranked exclusion red flags, the ACV-vs-replacement-cost math, and the questions to ask your agent before renewal.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill insurance-policy-decoder --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.