Quotor

Update quote details

update_quote

Idempotent

Adds or changes details on a quote: people, drivers, vehicles, the property, coverages, discounts, prior insurance, and policy terms. The patch schema lists every field Libertas accepts. Safe to call repeatedly; the latest value for a field wins, and lists replace earlier lists. Returns which fields were applied, which were rejected and why, and whether the quote has enough to run.

Credit scores, driving and claims records, and decoded vehicle or public-record property details come straight from data providers, so they aren't accepted here, and carrier choice is made by the rating engine.

If the customer changes a coverage after prices come back, apply it here and call get_quote_options again; re-quoting is free and takes about a minute. Coverage choices are the customer's, and a licensed Libertas agent can advise on what limits make sense.

Input Schema

TableJSON Schema

Name	Required	Description
`patch`	Yes	Quote details to add or change. Branches: pni (main applicant), drivers[], vehicles[], property, coverages, discounts, policy_terms, prior_insurance, mortgage fields (has_mortgagee, mortgage_billed_by_lender, mortgagee), is_new_purchase with current_address (where the customer lives today when buying a new home), current premiums/carriers, and follow_ups[] (notes for the licensed team, such as scheduled valuables; never added to the quote itself). Only the listed fields are accepted.
`quote_id`	Yes	The quote session id returned by start_quote.
`meta_codes`	No	Optional internal meta codes; ignored unless recognized.

Output Schema

TableJSON Schema

Name	Required	Description	Default
`applied`	No
`quote_id`	No
`rejected`	No
`completeness`	No
`ready_to_quote`	No
`not_applied_warning`	No

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedOct 4, 2026
- addedInput schema / properties / patch / properties / property / properties / roof_year
```
Added value: +{}
```
- addedOutput schema / properties / not_applied_warning
```
Added value: +{
+  "type": "string"
+}
```

Changed3 schema fields changedOct 1, 2026

changedInput schema / properties / patch / additionalProperties
```
Previous value: -trueNew value: +false
```

changedInput schema / properties / patch / description

Previous value: -"Free-form patch onto the quote. Top-level branches: pni, drivers[], vehicles[], property, coverages, discounts, policy_terms, prior_insurance, has_mortgagee, mortgage_billed_by_lender, mortgagee, is_new_purchase, current_address (only when is_new_purchase=true — customer's address TODAY; property.address remains the home being insured), follow_ups[] (post-bind follow-up flags: {interest, note} — scheduled valuables like jewelry/art, umbrella interest, etc.; recorded for the licensed team, NEVER added to the in-flight quote). See the override matrix in the Libertas MCP docs for the full overridable field list."New value: +"Quote details to add or change. Branches: pni (main applicant), drivers[], vehicles[], property, coverages, discounts, policy_terms, prior_insurance, mortgage fields (has_mortgagee, mortgage_billed_by_lender, mortgagee), is_new_purchase with current_address (where the customer lives today when buying a new home), current premiums/carriers, and follow_ups[] (notes for the licensed team, such as scheduled valuables; never added to the quote itself). Only the listed fields are accepted."

addedInput schema / properties / patch / properties

Added value: +{
+  "coverages": {
+    "additionalProperties": false,
+    "properties": {
+      "all_perils_deductible": {},
+      "bi_per_accident": {},
+      "bi_per_person": {},
+      "coll_deductible": {},
+      "comp_deductible": {},
+      "csl_limit": {},
+      "custom_equipment_coverage": {},
+      "dwelling_a": {},
+      "earthquake_endorsement": {},
+      "equipment_breakdown": {},
+      "extended_replacement_cost_pct": {},
+      "flood_through_carrier": {},
+      "foundation_water_damage": {},
+      "gap_coverage": {},
+      "glass_full": {},
+      "hidden_water_damage": {},
+      "liability_e": {},
+      "loss_of_use_d": {},
+      "medical_f": {},
+      "medpay_limit": {},
+      "mold_limit": {},
+      "named_storm_deductible": {},
+      "new_car_replacement": {},
+      "oem_parts": {},
+      "ordinance_or_law_pct": {},
+      "other_structures_b": {},
+      "pd_limit": {},
+      "personal_property_c": {},
+      "pip_limit": {},
+      "rental_days_max": {},
+      "rental_reimbursement_limit": {},
+      "replacement_cost_contents": {},
+      "scheduled_personal_property": {},
+      "service_line": {},
+      "service_line_limit": {},
+      "sewer_water_backup": {},
+      "towing_labor_limit": {},
+      "uim_stacking": {},
+      "umbi_per_accident": {},
+      "umbi_per_person": {},
+      "umpd_limit": {},
+      "water_backup_limit": {},
+      "water_seepage_leakage": {},
+      "wind_hail_deductible": {}
+    },
+    "type": "object"
+  },
+  "current_address": {
+    "additionalProperties": false,
+    "properties": {
+      "city": {},
+      "state": {},
+      "street": {},
+      "zip": {}
+    },
+    "type": "object"
+  },
+  "current_carrier_auto": {},
+  "current_carrier_home": {},
+  "current_premium_auto": {},
+  "current_premium_home": {},
+  "discounts": {
+    "additionalProperties": false,
+    "properties": {
+      "advance_quote": {},
+      "autopay": {},
+      "autopay_card": {},
+      "autopay_eft": {},
+      "bundle": {},
+      "central_station_alarm": {},
+      "claims_free_years": {},
+      "early_signing": {},
+      "gated_community": {},
+      "group_affinity_code": {},
+      "hoa": {},
+      "homeowner": {},
+      "loyalty": {},
+      "military": {},
+      "monitored_burglar_alarm": {},
+      "monitored_fire_alarm": {},
+      "multi_policy_bundle": {},
+      "multi_vehicle": {},
+      "new_home": {},
+      "non_smoker_household": {},
+      "paperless": {},
+      "paperless_billing": {},
+      "prior_insurance_carrier": {},
+      "prior_insurance_continuous": {},
+      "prior_insurance_years": {},
+      "recently_renovated": {},
+      "smart_home_devices": {},
+      "telematics_opt_in": {}
+    },
+    "type": "object"
+  },
+  "drivers": {
+    "items": {
+      "additionalProperties": false,
+      "properties": {
+        "accident_prevention_course": {},
+        "assigned_vehicle_id": {},
+        "date_of_birth": {},
+        "defensive_driving_completed": {},
+        "dob": {},
+        "education_level": {},
+        "first_name": {},
+        "gender_on_license": {},
+        "good_student": {},
+        "last_name": {},
+        "license_state": {},
+        "marital_status": {},
+        "military_status": {},
+        "occupation": {},
+        "relationship_to_pni": {},
+        "self_reported_accidents": {},
+        "self_reported_violations": {},
+        "student_away_from_home": {},
+        "years_licensed": {}
+      },
+      "type": "object"
+    },
+    "type": "array"
+  },
+  "follow_ups": {
+    "items": {
+      "additionalProperties": false,
+      "properties": {
+        "interest": {},
+        "note": {}
+      },
+      "type": "object"
+    },
+    "type": "array"
+  },
+  "has_mortgagee": {},
+  "is_new_purchase": {},
+  "mortgage_billed_by_lender": {},
+  "mortgagee": {
+    "additionalProperties": false,
+    "properties": {
+      "clause_address": {},
+      "company": {},
+      "loan_number": {}
+    },
+    "type": "object"
+  },
+  "pni": {
+    "additionalProperties": false,
+    "properties": {
+      "dob": {},
+      "email": {},
+      "first_name": {},
+      "gender_on_license": {},
+      "last_name": {},
+      "marital_status": {},
+      "phone": {},
+      "preferred_language": {}
+    },
+    "type": "object"
+  },
+  "policy_terms": {
+    "additionalProperties": false,
+    "properties": {
+      "effective_date": {},
+      "paperless_documents": {},
+      "pay_plan": {},
+      "term_length": {}
+    },
+    "type": "object"
+  },
+  "prior_insurance": {
+    "additionalProperties": false,
+    "properties": {
+      "carrier": {},
+      "expiration_date": {},
+      "policy_limits": {},
+      "years_continuous": {}
+    },
+    "type": "object"
+  },
+  "property": {
+    "additionalProperties": false,
+    "properties": {
+      "address": {},
+      "attached_garage": {},
+      "basement_type": {},
+      "business_on_premises": {},
+      "business_type": {},
+      "claim_details": {},
+      "claims_in_last_5_years": {},
+      "construction_type": {},
+      "distance_to_fire_station": {},
+      "distance_to_hydrant": {},
+      "dog_bite_history": {},
+      "dog_breed": {},
+      "foundation_type": {},
+      "garage_type": {},
+      "hail_resistant_roof": {},
+      "number_bathrooms": {},
+      "number_bedrooms": {},
+      "number_kitchens": {},
+      "number_stories": {},
+      "occupancy": {},
+      "pool_diving_board": {},
+      "pool_fenced": {},
+      "pool_slide": {},
+      "pool_type": {},
+      "protection_class": {},
+      "recent_renovations": {},
+      "roof_age_years": {},
+      "roof_material": {},
+      "roof_shape": {},
+      "square_footage": {},
+      "trampoline": {},
+      "trampoline_safety_net": {},
+      "ul_impact_type": {},
+      "year_built": {}
+    },
+    "type": "object"
+  },
+  "vehicles": {
+    "items": {
+      "additionalProperties": false,
+      "properties": {
+        "abs": {},
+        "airbags": {},
+        "annual_mileage": {},
+        "anti_theft_device": {},
+        "commute_miles_one_way": {},
+        "custom_equipment_value": {},
+        "daytime_running_lights": {},
+        "garaging_address": {},
+        "garaging_zip": {},
+        "lienholder": {},
+        "make": {},
+        "model": {},
+        "ownership_status": {},
+        "primary_use": {},
+        "purchase_date": {},
+        "trim": {},
+        "vin": {},
+        "year": {}
+      },
+      "type": "object"
+    },
+    "type": "array"
+  }
+}

First observedJun 26, 2026

TDQS

A4.4/5.0

Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare idempotentHint=true and destructiveHint=false, but the description adds real merge semantics beyond them: 'the latest value for a field wins, and lists replace earlier lists,' plus rejection diagnostics and an adequacy signal in the response. It also discloses that certain data (credit scores, provider records, carrier choice) is not writable here, which is behavior an agent cannot infer from the schema.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Front-loaded with purpose and field scope, then idempotency, then the re-quote workflow, then a compliance note. The final sentence about coverage choices being the customer's and a licensed agent advising is boilerplate that does not help invocation, but the rest is tight and well-ordered.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a complex, deeply nested patch tool this covers the essentials: writable branches, merge/idempotency semantics, excluded provider data, response shape, and the re-quote workflow. An output schema exists, so return details need not be expanded further, and nothing an agent needs to call it correctly appears missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100% and the patch schema already enumerates every branch and states 'Only the listed fields are accepted,' so the description largely restates the schema's branch list. It adds little parameter-level detail beyond the schema (e.g., no format examples for dob, vin, or limit values), so the baseline 3 is appropriate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a precise verb+resource ('Adds or changes details on a quote') and enumerates exactly which branches are writable (people, drivers, vehicles, property, coverages, discounts, prior insurance, policy terms). An agent can immediately distinguish this from start_quote or resume_quote without opening a schema.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Gives a concrete when-to-use and the follow-on call: 'If the customer changes a coverage after prices come back, apply it here and call get_quote_options again.' It also scopes what is not accepted (provider-sourced credit, claims, decoded vehicle/property data). It does not explicitly contrast with sibling tools like start_quote or resume_quote, so it stops short of a 5.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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