Premium Lock MCP

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

{
  "title": "Get the Premium Lock catalog",
  "readOnlyHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "required": [
    "email",
    "document_base64"
  ],
  "properties": {
    "email": {
      "type": "string",
      "description": "The consumer's email."
    },
    "filename": {
      "type": "string"
    },
    "document_base64": {
      "type": "string",
      "description": "The file's bytes, base64 encoded."
    }
  },
  "additionalProperties": false
}

{
  "title": "Read a declarations page",
  "readOnlyHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "$defs": {
    "CarrierName": {
      "enum": [
        "aaa",
        "aegis",
        "acuity",
        "agraria",
        "alfainsurance",
        "alliedtrust",
        "allstate",
        "americaneuropean",
        "americanguaranteeandliability",
        "americanintegrityinsurance",
        "americanmodern",
        "americannational",
        "americanrisk",
        "americanstrategic",
        "americantraditions",
        "amfam",
        "amica",
        "amshield",
        "amwins",
        "andover",
        "arbella",
        "arkansasfarmbureau",
        "assurant",
        "auros",
        "autoowners",
        "bamboo",
        "bearrivermutual",
        "benchmark",
        "bentoakmutual",
        "berkshirehathawayguardinsurancecompanies",
        "berkshirehathwayhomestate",
        "bloomfieldmutual",
        "branch",
        "brethrenmutual",
        "bristolwestinsurance",
        "burnswilcox",
        "cabrillocoastal",
        "cajununderwriters",
        "californiacasualty",
        "celina",
        "centralinsurancecompanies",
        "chubb",
        "cincinnatifinancialgroup",
        "coastal",
        "coloradofarmbureau",
        "connectbyamfam",
        "countryfinancial",
        "csaa",
        "cse",
        "cumberlandmutual",
        "cure",
        "cypress",
        "dairyland",
        "dbinsurance",
        "directauto",
        "donegalgroup",
        "edison",
        "elephant",
        "encompass",
        "enumclaw",
        "erie",
        "esurance",
        "evanston",
        "farmers",
        "farmersunion",
        "farmbureaufinancialservices",
        "fednatinsuranceflorida",
        "firstacceptance",
        "firstcapital",
        "floridafarmbureau",
        "floridapeninsulainsurance",
        "fmne",
        "foremost",
        "fortegra",
        "frankenmuth",
        "franklinmutual",
        "fredloya",
        "frontline",
        "gainsco",
        "geico",
        "georgiafarmbureau",
        "germania",
        "goodvillemutual",
        "goauto",
        "grange",
        "greaternewyorkmutualinsurancecompany",
        "greatnorthwest",
        "gulfstate",
        "hagerty",
        "hanover",
        "hcigroup",
        "henrycountymutual",
        "heritageinsurance",
        "hippo",
        "homeownersofamerica",
        "homesite",
        "homesteadmutual",
        "horacemann",
        "idahofarmbureau",
        "inclinecasualtycompany",
        "indianafarmbureau",
        "integritypc",
        "iowafarmbureau",
        "ironinsurancepartners",
        "kemperauto",
        "kemperpersonalinsurance",
        "kentuckyfarmbureau",
        "kingstone",
        "kininsurance",
        "lemonade",
        "libertymutual",
        "lilypad",
        "loggerhead",
        "louisianafarmbureau",
        "lumenselect",
        "mangrovepropertyinsurancecompany",
        "mapfre",
        "mcmillanwarner",
        "meemic",
        "mercury",
        "metlife",
        "metromile",
        "michiganfarmbureau",
        "midvaleinsuranceauto",
        "midvaleinsurancehome",
        "mississippifarmbureau",
        "missourifarmbureau",
        "mmg",
        "nationalfarmersunion",
        "nationalgeneral",
        "nationwide",
        "njm",
        "northernneck",
        "northcarolinafarmbureau",
        "northstar",
        "nycm",
        "oceanharbor",
        "oldrepublicunion",
        "olympusinsurance",
        "openly",
        "orion180",
        "oswegocountymutual",
        "other",
        "pacificspecialty",
        "patriot",
        "pekininsurance",
        "pemcomutual",
        "pennnational",
        "peoplestrust",
        "pioneer",
        "plymouthrock",
        "praetorian",
        "preferredmutual",
        "progressive",
        "propertyinsurancecompanyamerica",
        "providence",
        "pureinsurance",
        "quincymutual",
        "root",
        "rvos",
        "safeco",
        "safepoint",
        "safetyinsurance",
        "safeway",
        "sagesure",
        "securityfirstflorida",
        "selective",
        "shelter",
        "slideinsurance",
        "southernfarmbureau",
        "southernoakins",
        "southcarolinafarmbureau",
        "stateauto",
        "statefarm",
        "sterling",
        "stillwater",
        "strathmoreinsurancecompany",
        "summitspecialtyinsurancecompany",
        "surechoice",
        "suttonnational",
        "swyfft",
        "tennesseefarmbureau",
        "tesla",
        "texasfarmbureau",
        "thegeneral",
        "thehartford",
        "towerhillinsurance",
        "travelers",
        "trexis",
        "21stcentury",
        "uaic",
        "unionmutual",
        "universalnorthamerica",
        "universalproperty",
        "upcinsurance",
        "usaa",
        "utica",
        "vault",
        "vermontmutual",
        "vyrd",
        "wawanesa",
        "wayne",
        "westchestersurpluslines",
        "westernnational",
        "westfield",
        "westbend",
        "americaninternationalgroup",
        "berkley",
        "brookfieldwealthsolutionsgrp",
        "clearblueinsurance",
        "encova",
        "iatreinsco",
        "kwspecialty",
        "lloyds",
        "mainstreetamerica",
        "markelinsurance",
        "munich",
        "philadelphia",
        "qbe",
        "sh1holdings",
        "tokiomarine",
        "wrightflood",
        "zurich",
        "aiua",
        "cpfa",
        "citizenspropertyinsurance",
        "guaa",
        "illinoisfairplan",
        "louisianacitizens",
        "mbpia",
        "missourifairplan",
        "mjia",
        "mpiua",
        "mrpiua",
        "nccoastalpool",
        "ncjua",
        "newjerseyfair",
        "nypiua",
        "ohiofairplan",
        "rijra",
        "texasfairplan",
        "vpia"
      ],
      "type": "string",
      "title": "CarrierName"
    },
    "AutoPolicyBlock": {
      "type": "object",
      "title": "AutoPolicyBlock",
      "required": [
        "carrier_name",
        "state",
        "policy_start_date",
        "policy_term_months",
        "vehicles"
      ],
      "properties": {
        "state": {
          "type": "string",
          "title": "State",
          "maxLength": 2,
          "minLength": 2
        },
        "vehicles": {
          "type": "array",
          "items": {
            "$ref": "#/$defs/AutoVehicleInput"
          },
          "title": "Vehicles",
          "maxItems": 10,
          "minItems": 1
        },
        "no_claims": {
          "anyOf": [
            {
              "type": "boolean"
            },
            {
              "type": "null"
            }
          ],
          "title": "No Claims",
          "default": null,
          "description": "True for no car insurance claim in the last 12 months. Unanswered prices as no claim."
        },
        "carrier_name": {
          "$ref": "#/$defs/CarrierName"
        },
        "garaging_address": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 255,
              "minLength": 1
            },
            {
              "type": "null"
            }
          ],
          "title": "Garaging Address",
          "default": null,
          "description": "Where the cars are kept. On a bundle, the home's address when omitted."
        },
        "policy_start_date": {
          "type": "string",
          "title": "Policy Start Date",
          "format": "date"
        },
        "policy_term_months": {
          "enum": [
            6,
            12
          ],
          "type": "integer",
          "title": "Policy Term Months"
        },
        "carrier_friendly_name": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 255
            },
            {
              "type": "null"
            }
          ],
          "title": "Carrier Friendly Name",
          "default": null
        },
        "business_use_confirmed": {
          "type": "boolean",
          "title": "Business Use Confirmed",
          "default": false,
          "description": "The consumer confirms their policy covers each car's business use. Required when any car's `usage` is `business`."
        },
        "claims_and_tickets_eligible": {
          "type": "boolean",
          "title": "Claims And Tickets Eligible",
          "default": true,
          "description": "The household's Claims & Tickets Eligibility choice, applied to every car."
        }
      },
      "description": "The auto policy on a key-less auto or bundle quote (plan §4B, PRD R2.3).\n\nMoney in DOLLARS. The policy start date is when the policy term the lock\nstarts on begins, and is held to the same 90-day window as a home renewal."
    },
    "AutoVehicleInput": {
      "type": "object",
      "title": "AutoVehicleInput",
      "required": [
        "vin",
        "allocated_premium"
      ],
      "properties": {
        "vin": {
          "type": "string",
          "title": "Vin",
          "maxLength": 17,
          "minLength": 11
        },
        "usage": {
          "anyOf": [
            {
              "$ref": "#/$defs/AutoVehicleUsage"
            },
            {
              "type": "null"
            }
          ],
          "default": null,
          "description": "How the car is used. A `business` car needs `business_use_confirmed`."
        },
        "vehicle_make": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 64
            },
            {
              "type": "null"
            }
          ],
          "title": "Vehicle Make",
          "default": null
        },
        "vehicle_year": {
          "anyOf": [
            {
              "type": "integer",
              "maximum": 2100,
              "minimum": 1900
            },
            {
              "type": "null"
            }
          ],
          "title": "Vehicle Year",
          "default": null
        },
        "vehicle_model": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 64
            },
            {
              "type": "null"
            }
          ],
          "title": "Vehicle Model",
          "default": null
        },
        "allocated_premium": {
          "anyOf": [
            {
              "type": "number",
              "exclusiveMinimum": 0
            },
            {
              "type": "string",
              "pattern": "^(?!^[-+.]*$)[+-]?0*\\d*\\.?\\d*$"
            }
          ],
          "title": "Allocated Premium",
          "description": "This car's share of the premium for one policy term, in dollars: the per-vehicle premium the declarations page prints."
        }
      },
      "description": "One car on a key-less auto quote (premium-lock-agentic plan §4B).\n\nOne car is one Premium Lock, priced from its own share of the policy-term\npremium, as an agent's auto quote is."
    },
    "AutoVehicleUsage": {
      "enum": [
        "commute",
        "pleasure",
        "business",
        "farm",
        "other"
      ],
      "type": "string",
      "title": "AutoVehicleUsage",
      "description": "How a vehicle is used, as a declarations page classifies it.\n\nNot a pricer input today — ``AutoPricingRequest`` carries no usage field —\nbut it is a rating variable on every real auto filing, so it is stored\nrather than dropped. ``OTHER`` is the escape hatch for a classification\nthis list does not name; a printed usage is never silently discarded.\n\nTyped here rather than beside ``AutoVehicle`` because this module is the\none auto vocabulary file: ``marketplace/models.py`` imports the enums, and\nan import in the other direction would close a cycle (EVN-3318)."
    },
    "PartnerPolicyBlock": {
      "type": "object",
      "title": "PartnerPolicyBlock",
      "required": [
        "full_address",
        "carrier_name",
        "total_premium",
        "per_incident_limit",
        "deductible",
        "expiry_date",
        "renewal_date"
      ],
      "properties": {
        "no_claims": {
          "anyOf": [
            {
              "type": "boolean"
            },
            {
              "type": "null"
            }
          ],
          "title": "No Claims",
          "default": null
        },
        "deductible": {
          "anyOf": [
            {
              "type": "number",
              "minimum": 0
            },
            {
              "type": "string",
              "pattern": "^(?!^[-+.]*$)[+-]?0*\\d*\\.?\\d*$"
            }
          ],
          "title": "Deductible",
          "description": "Deductible in dollars"
        },
        "expiry_date": {
          "type": "string",
          "title": "Expiry Date",
          "format": "date"
        },
        "carrier_name": {
          "$ref": "#/$defs/CarrierName"
        },
        "full_address": {
          "type": "string",
          "title": "Full Address",
          "maxLength": 255,
          "minLength": 1
        },
        "renewal_date": {
          "type": "string",
          "title": "Renewal Date",
          "format": "date"
        },
        "total_premium": {
          "anyOf": [
            {
              "type": "number",
              "exclusiveMinimum": 0
            },
            {
              "type": "string",
              "pattern": "^(?!^[-+.]*$)[+-]?0*\\d*\\.?\\d*$"
            }
          ],
          "title": "Total Premium",
          "description": "Annual premium in dollars. A new quote above $10,000 is refused with 422 `home_premium_above_maximum`."
        },
        "per_incident_limit": {
          "anyOf": [
            {
              "type": "number",
              "exclusiveMinimum": 0
            },
            {
              "type": "string",
              "pattern": "^(?!^[-+.]*$)[+-]?0*\\d*\\.?\\d*$"
            }
          ],
          "title": "Per Incident Limit",
          "description": "Dwelling / per-incident coverage limit in dollars"
        },
        "carrier_friendly_name": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 255
            },
            {
              "type": "null"
            }
          ],
          "title": "Carrier Friendly Name",
          "default": null
        }
      },
      "description": "The home-insurance policy being quoted. Money in DOLLARS; dates as\nISO-8601 calendar dates (a policy expires on a day, not at an instant)."
    },
    "PartnerInsuredBlock": {
      "type": "object",
      "title": "PartnerInsuredBlock",
      "properties": {
        "email": {
          "anyOf": [
            {
              "type": "string",
              "format": "email"
            },
            {
              "type": "null"
            }
          ],
          "title": "Email",
          "default": null
        },
        "phone": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 255
            },
            {
              "type": "null"
            }
          ],
          "title": "Phone",
          "default": null
        },
        "last_name": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 255
            },
            {
              "type": "null"
            }
          ],
          "title": "Last Name",
          "default": null
        },
        "first_name": {
          "anyOf": [
            {
              "type": "string",
              "maxLength": 255
            },
            {
              "type": "null"
            }
          ],
          "title": "First Name",
          "default": null
        }
      },
      "description": "The named insured (the partner's client). All optional: the checkout\nflow collects whatever is missing."
    }
  },
  "title": "ConsumerQuoteCreate",
  "properties": {
    "auto": {
      "anyOf": [
        {
          "$ref": "#/$defs/AutoPolicyBlock"
        },
        {
          "type": "null"
        }
      ],
      "default": null
    },
    "policy": {
      "anyOf": [
        {
          "$ref": "#/$defs/PartnerPolicyBlock"
        },
        {
          "type": "null"
        }
      ],
      "default": null
    },
    "insured": {
      "$ref": "#/$defs/PartnerInsuredBlock"
    },
    "partner_ref": {
      "anyOf": [
        {
          "type": "string",
          "maxLength": 255
        },
        {
          "type": "null"
        }
      ],
      "title": "Partner Ref",
      "default": null,
      "description": "The partner's own policy/quote identifier, echoed back on every response and webhook."
    },
    "product_line": {
      "enum": [
        "home",
        "auto",
        "bundle"
      ],
      "type": "string",
      "title": "Product Line",
      "default": "home"
    },
    "referral_token": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "title": "Referral Token",
      "default": null,
      "description": "A referral partner's signed token, when one sent the consumer. Recorded as that referrer's claim on the quote; a token that does not verify is ignored and the quote is made anyway."
    },
    "idempotency_key": {
      "type": "string",
      "maxLength": 255,
      "description": "Optional. Defaults to a hash of the body, so a repeated call returns the first quote instead of creating another."
    }
  },
  "description": "`POST /quotes` body from a key-less caller (premium-lock-agentic plan §4B).\n\nDirect-to-consumer only: there is no agent, and `insured.email` is the\nconsumer the quote is for. `home` sends `policy`, `auto` sends `auto`, and\n`bundle` sends both. A line whose launch flag is off for the consumer is\n409 `line_not_available`."
}

{
  "title": "Create a Premium Lock quote",
  "readOnlyHint": false,
  "destructiveHint": true
}

{
  "type": "object",
  "required": [
    "quote_id"
  ],
  "properties": {
    "quote_id": {
      "type": "string",
      "format": "uuid",
      "description": "The quote_id create_quote returned."
    }
  },
  "additionalProperties": false
}

{
  "title": "Get a Premium Lock quote",
  "readOnlyHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "required": [
    "quote_id"
  ],
  "properties": {
    "quote_id": {
      "type": "string",
      "format": "uuid",
      "description": "The quote to send."
    }
  },
  "additionalProperties": false
}

{
  "title": "Email the checkout link",
  "readOnlyHint": false,
  "destructiveHint": true
}

{
  "type": "object",
  "$defs": {
    "PurchaseConsentInput": {
      "type": "object",
      "title": "PurchaseConsentInput",
      "required": [
        "terms_versions",
        "disclosure_set_id",
        "disclosure_text_sha256",
        "affirmations"
      ],
      "properties": {
        "affirmations": {
          "type": "object",
          "title": "Affirmations",
          "description": "`admitted_carrier`, `subscription_36_months` and `not_insurance`, each true, and the consumer's `no_claims` answer.",
          "additionalProperties": {
            "type": "boolean"
          }
        },
        "terms_versions": {
          "type": "object",
          "title": "Terms Versions",
          "description": "The Terms of Service version shown for each line bought, e.g. `{\"home\": \"home-2026-07-30\"}`.",
          "additionalProperties": {
            "type": "string"
          }
        },
        "disclosure_set_id": {
          "type": "string",
          "title": "Disclosure Set Id",
          "maxLength": 64,
          "description": "The quote's `disclosure_set_id`, echoed."
        },
        "disclosure_text_sha256": {
          "type": "string",
          "title": "Disclosure Text Sha256",
          "pattern": "^[0-9a-f]{64}$",
          "description": "The quote's `disclosure_text_sha256`, echoed."
        }
      },
      "description": "What the agent showed the consumer and what they affirmed (plan §4B, PRD R6.1)."
    },
    "ProtectionContractBillingInterval": {
      "enum": [
        "monthly",
        "yearly"
      ],
      "type": "string",
      "title": "ProtectionContractBillingInterval"
    }
  },
  "required": [
    "quote_id"
  ],
  "properties": {
    "consent": {
      "anyOf": [
        {
          "$ref": "#/$defs/PurchaseConsentInput"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Required to start. When finishing, optional, and it must be the consent given at the start."
    },
    "quote_id": {
      "type": "string",
      "format": "uuid",
      "description": "The quote to buy."
    },
    "billing_interval": {
      "anyOf": [
        {
          "$ref": "#/$defs/ProtectionContractBillingInterval"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "When starting, the interval the consumer chose from the quote's `pricing`. Omitted, the quote's own."
    }
  },
  "additionalProperties": false
}

{
  "title": "Buy a Premium Lock quote",
  "readOnlyHint": false,
  "destructiveHint": true
}

{
  "type": "object",
  "$defs": {
    "PurchaseConsentInput": {
      "type": "object",
      "title": "PurchaseConsentInput",
      "required": [
        "terms_versions",
        "disclosure_set_id",
        "disclosure_text_sha256",
        "affirmations"
      ],
      "properties": {
        "affirmations": {
          "type": "object",
          "title": "Affirmations",
          "description": "`admitted_carrier`, `subscription_36_months` and `not_insurance`, each true, and the consumer's `no_claims` answer.",
          "additionalProperties": {
            "type": "boolean"
          }
        },
        "terms_versions": {
          "type": "object",
          "title": "Terms Versions",
          "description": "The Terms of Service version shown for each line bought, e.g. `{\"home\": \"home-2026-07-30\"}`.",
          "additionalProperties": {
            "type": "string"
          }
        },
        "disclosure_set_id": {
          "type": "string",
          "title": "Disclosure Set Id",
          "maxLength": 64,
          "description": "The quote's `disclosure_set_id`, echoed."
        },
        "disclosure_text_sha256": {
          "type": "string",
          "title": "Disclosure Text Sha256",
          "pattern": "^[0-9a-f]{64}$",
          "description": "The quote's `disclosure_text_sha256`, echoed."
        }
      },
      "description": "What the agent showed the consumer and what they affirmed (plan §4B, PRD R6.1)."
    },
    "ProtectionContractBillingInterval": {
      "enum": [
        "monthly",
        "yearly"
      ],
      "type": "string",
      "title": "ProtectionContractBillingInterval"
    }
  },
  "required": [
    "quote_id",
    "payment_session_id"
  ],
  "properties": {
    "consent": {
      "anyOf": [
        {
          "$ref": "#/$defs/PurchaseConsentInput"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Required to start. When finishing, optional, and it must be the consent given at the start."
    },
    "quote_id": {
      "type": "string",
      "format": "uuid",
      "description": "The quote to buy."
    },
    "payment_session_id": {
      "anyOf": [
        {
          "type": "string",
          "pattern": "^sub_[A-Za-z0-9]+$",
          "maxLength": 255
        },
        {
          "type": "null"
        }
      ],
      "title": "Payment Session Id",
      "default": null,
      "description": "The `session_id` the embedded checkout posted back."
    }
  },
  "additionalProperties": false
}

{
  "title": "Finish a Premium Lock purchase",
  "readOnlyHint": false,
  "destructiveHint": true
}

premium-lock://catalog

ui://premium-lock/checkout