How to Set Coverages for a Quote

Coverages along with the profile comprise the two core pieces of data Root needs in order to generate a quote that can provide premium information. There are a few options, all of which presume the state the customer lives in is known.

1. You can request a suggested coverage package from Root. Root will provide a selection of coverage packages which can be separately attached to the quote in a different API request.
2. Your Root API key can be configured such that valid coverages are automatically generated and attached to your quote. You might consider this option if you are only looking to generate an estimated quote for marketing purposes or only want to use Root's recommended coverage selections.
3. If you want full control over which coverages are selected or want to have a user-driven quote customization flow, you can request all available coverages in a given market.

Some of these steps are also detailed in the Fully Embedded Experience for additional context.

[Strongly Recommended ✅] Solution 1: Request Suggested Coverages

This solution allows you to dynamically set coverages based on the suggested coverage options. When coverage updates are made in the future, no code updates would be needed.

To either provide a few options to your user or dynamically pick a coverage package based on some logic without the desire for full customization, you may lean on the Get Suggested Coverages endpoint to meet this need.

Solution 2: Automatically Assigned Coverages

Let our team know this is your desired option and we can enable this for your API key. We have a set of potential coverage packages we could assign to your quotes by default. We can discuss what is best for your integration.

Example Implementation

Here your dev team will only need to provide valid profile information. Here is an example request payload to our Create Quote endpoint:

curl --request POST \
     --url https://{environment}/bind_api/v3/quoting/quote \
     --header 'accept: application/json' \
     --header 'authorization: Bearer {api_key}' \
     --header 'content-type: application/json' \
     --data '
{
  "profile": {
    "address1": "80 E Rich St",
    "city": "Columbus",
    "customerConsentTimestamp": "2023-02-21T09:46:33.000-05:00",
    "eDelivery": true,
    "email": "{some_email_address}",
    "homeownerStatus": "own",
    "phoneNumber": "555-555-5555",
    "policyholderDriverId": "db782c0d-0d7c-4675-af8d-28610f47d9d8",
    "state": "OH",
    "zip": "43215",
    "drivers": [
      {
        "id": "db782c0d-0d7c-4675-af8d-28610f47d9d8",
        "dob": "1990-01-01",
        "firstName": "John",
        "lastName": "Doe",
        "licenseNumber": "SS415532",
        "licenseState": "OH",
        "status": "Covered",
        "collegeGraduate": true,
        "gender": "M",
        "maritalStatus": "Married"
      }
    ],
    "vehicles": [
      {
        "status": "Covered",
        "vin": "JTHBW1GG8E2042488",
        "garagingAddress1": "80 E Rich St",
        "garagingCity": "Columbus",
        "garagingState": "OH",
        "garagingZip": "43215",
        "make": "Honda",
        "model": "Civic",
        "year": 2020
      }
    ]
  }
}
'

You should see the automatically assigned coverages returned in the response body. Then, after polling our Get Quote endpoint, you will be able to eventually receive a quoted response with a premium.

Solution 3: Dynamic Coverage Customization

See this guide for details on how to implement a client that can dynamically handle coverage customization using Root's API.