AI prompt to research a market, carrier or topic

Email, data entry, reports and planning take up a large share of an agent's week. AI can draft, summarize and organize that work, and specialized tools can pull data from documents and keep client records tidy.

Below is a ready-to-copy prompt to research a market, carrier or topic, a detailed version that asks you clarifying questions first, and 2 specialized AI tools (Perplexity and Grok) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.

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The prompt

Summarize recent public news and trends about homeowners insurance availability in [State], with sources. Flag anything I should verify.

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 (your goal, the format you want and the tools you already use). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Summarize recent public news and trends about homeowners insurance availability in [State], with sources. Flag anything I should verify.

What a good result looks like

A good research summary pulls together recent public news and trends about homeowners insurance availability in your state, with sources and dates, and flags what to verify before you mention it to clients.

Common mistakes and watch-outs

News moves fast and AI tools can mix old and new information. Check every claim against the source and its date, and don't repeat rumors about specific insurers leaving a market. Perplexity and Grok show sources, but you still need to read them.

How to adapt the prompt

Change the topic (auto rates, flood program changes, wildfire areas) and ask for a version with talking points for clients. Ask for only sources from the last [Number] months.

EXAMPLE output (placeholder data, not a real client)

Homeowners insurance availability - [State] - research notes

Trends reported:
- [Trend 1, e.g. insurers tightening roof-age rules] (Source: [Link], [Date])
- [Trend 2] (Source: [Link], [Date])

To verify:
- Check the state insurance department's announcements.
- Confirm any insurer-specific news with your carrier rep.

Client talking point (after verifying):
"Some insurers are changing how they write homes in our area. Let's review your policy early."

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.
Fill in the placeholders. Replace [State] with your own details. Use placeholders or de-identified details; never paste client personal information.
Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Perplexity and Grok as described below.
Review before you use it. Verify facts, figures and sources yourself; AI research tools can be wrong or out of date. Check every fact, name and number yourself.
Take the next step. Next, see: Get carrier access and connectivity (independent agents).

Best AI tools for this task

Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.

Perplexity site ↗

AI answer engine with cited web sources, handy for market and carrier research.

How to use it

Ask Perplexity: 'Summarize recent news on homeowners insurance availability in [State] with sources.' Check the cited sources.

Grok site ↗

AI assistant with real-time answers from the web and X.

How to use it

Ask Grok for real-time web and X discussion about homeowners insurance availability in [State], then verify the sources.

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

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

Before you use it

Verify facts, figures and sources yourself; AI research tools can be wrong or out of date.
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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