AI prompt to explain earthquake coverage

Clients rarely read their policies, and confusing terms lead to surprises at claim time. Plain-English explanations build trust and help prevent misunderstandings. AI turns policy language into short, clear explanations you can edit.

Below is a ready-to-copy prompt to explain earthquake coverage, a detailed version that asks you clarifying questions first, and tips for using it. It works in any AI assistant: ChatGPT, Claude, Gemini or Copilot.

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The prompt

Explain earthquake coverage in plain English: why it is often separate from homeowners, how percentage deductibles typically work, and questions to ask. Note availability varies by state and carrier. Under 180 words.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the type of policy, who the explanation is for, and whether you want an email, handout or script). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Explain earthquake coverage in plain English: why it is often separate from homeowners, how percentage deductibles typically work, and questions to ask. Note availability varies by state and carrier. Under 180 words.

What a good result looks like

A good explanation tells the homeowner plainly that earthquake damage is usually excluded from a standard homeowners policy and may need separate coverage. It explains how a percentage deductible works with a placeholder example and lists a few questions to ask before buying.

Common mistakes and watch-outs

Don't assume earthquake coverage is available or works the same everywhere; availability, deductibles and terms vary by state and insurer. Avoid scare tactics and don't predict quakes. Check deductible math in the example so the client understands it's a percentage of the dwelling limit, not of the damage.

How to adapt the prompt

For condo owners, ask the AI to cover loss assessment and the unit-owner side. For renters, focus on personal property. You can also ask for a one-page handout with the questions section as a checklist.

EXAMPLE output (placeholder data, not a real client)

Earthquake coverage in plain English

Most homeowners policies don't cover earthquake damage. You may be able to buy earthquake coverage separately or as an endorsement, depending on where you live.

Percentage deductibles: if your dwelling limit is [Amount] and your deductible is [Percent], you'd pay the first [Amount] of a covered loss.

Questions to ask:
- What does it cover: dwelling, belongings, extra living costs?
- What is the deductible?
- Does it cover masonry or chimneys?

Availability and terms vary. Call [Agent Name].

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; never paste client personal information.
Run it in the right tool. Paste it into any AI assistant: ChatGPT, Claude, Gemini or Copilot.
Review before you use it. Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy. Check every fact, name and number yourself.
Take the next step. Next, see: Explain a coverage or policy term to a client.

Which AI tool to use

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

Paste the prompt above (short or detailed) into any of these.

Before you use it

Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy.
Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
Review every AI output for accuracy and compliance before you use it.

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