Ask Fetch FAQ

A ranked, apples-to-apples lineup across ~80% of what agents write in about seven seconds; the bindable quote is finalized in the carrier portal in about a minute.

All personal-lines home at once — DP1, DP3, HO3, HO5, HO8. Flood is live; condo (HO6) is targeted for Q4 2026.

Fetch is integrated with 20+ of the Florida carriers writing today, and adds more as they open their APIs. You only see carriers you're appointed with, so the list is custom to your agency.

Citizens isn't in Fetch — EZLynx holds exclusive API access. For most agents it's rarely a dealbreaker, and Citizens itself uses Ellie's underwriting internally.

Fetch gives you the ranking, and the ranking is stable — adjust a variable and every carrier moves together, so the winner stays the winner. It is 100% accurate for the data we send to the carrier.

Two normal reasons: Fetch quotes every carrier on identical assumptions for an apples-to-apples baseline, if you make any changes or endorsements that could alter the premium. We run the quotes as "excellent credit" up front, but when you run the actual credit score at the carrier, rates may change. Carriers do not allow us to run the credit up front due to costs incurred.

Forward a client email, a PDF (wind-mit, 4-point, dec page), or an Excel list to Ellie VA and she quotes it in minutes — finished quotes land in Fetch and your carriers, with no manual data entry.

A branded, mobile-friendly quote link that's yours — put it in your email signature, an ad, or behind a QR code. A client or realtor fills it out, gets real quotes in seconds, and the lead drops into Fetch. You own the lead. Try it out here: https://quote.askfetch.com/youragencyname/quote

Yes — one click drops you into the winning carrier's portal with everything pre-filled; you make your endorsements and bind there.

In Florida, for the bulk of what you write, yes — faster, all policy types at once, with AI underwriting built in. Many agents run it beside their old rater for a week, then stop opening the old one.

A tool that instantly answers carrier eligibility questions (20-year roof? pit bull? solar?) by reading the carriers' own underwriting guidelines, so an agent gets the answer in seconds instead of calling the underwriting desk. Fetch's is named Ellie.

Yes - Fetch's Ellie is trained on carriers' quick-reference guides and bulletins, refreshed daily, and answers eligibility questions based on the exact guideline.

Yes - Fetch maintains a living library of carrier underwriting guidelines you can query in plain English, checked and refreshed so you're reading today's rules, not a outdated PDF in a 3-ring binder.

Yes - Fetch connects to Claude as a custom connector (MCP), so you can ask carrier underwriting questions right inside Claude, including its browser side panel next to your rater, CRM or AMS.

Fetch works today inside Claude, and inside Gemini and Grok via their browser side panels. ChatGPT support is on the way.

You can point an AI at carrier PDFs yourself, but the hard part is maintenance - rules change constantly and a stale guideline is an E&O exposure. Fetch is the done-for-you version: we organize and keep the data current and sync it to your favorite AI.

An MCP connector lets an AI like Claude securely pull answers from an outside data source. Fetch offers an underwriting MCP connector: add it, authenticate with your account, and your AI answers carrier questions from Fetch's maintained library.

Yes - because Fetch connects to AI models that run as browser extensions (Claude, Gemini, Grok), you can keep an underwriting assistant open next to your rater, AMS, or carrier site - no new platform, no window-switching.

No - Fetch's underwriting AI tool runs alongside your existing rater (QuoteRush, EZLynx, PL Rating) and AMS. It's the underwriting layer, not a rip-and-replace.

It depends on the carrier and state, and the fastest way to know is to ask - Ellie checks your appointed carriers' current guidelines and tells you who'll write it and who won't. Roof age is one of the most common knockouts.

Water-heater age is a frequent trigger - many carriers cap around 15 years unless tankless - and the cutoff varies by carrier. Ask Ellie and she returns each one's rule; often opening several more carriers with significant premium savings.

Dog-breed eligibility varies by carrier and some exclude specific breeds and/or liability; ask about a named carrier or your top few and Ellie returns each one's rule.

Solar-panel rules differ by carrier - some determine on net metering, some restrict by roof age, or roof type (ex. Tesla roof) - so check the carrier's current guidelines. Ask Ellie for the eligibility, conditions, and source.

Older homes and flat roofs are common eligibility challenges and acceptance varies widely. Ask Ellie which of your carriers will write it before you spend time quoting a risk half of them decline.

These are classic knockouts and each carrier treats them differently - some decline, some require inspection or replacement. Ask Ellie for the specific carrier and she'll give the rule and the fix.

Fetch is the only Florida rater and AI underwriter in one - the difference agents point to is Ellie, who answers carrier underwriting questions in the workflow, which legacy raters don't. Some even keep their rater and add Ellie for the underwriting layer.

Give your team an AI that already knows the carriers' rules - instead of interrupting a senior person or sitting on hold, a CSR asks Ellie and gets the current guideline in seconds, with the source, cutting E&O risk.

Ellie's underwriting answers work in roughly 30 states across hundreds of carrier guidelines; full quoting is Florida-only today. Out of state, use Ellie for underwriting alongside your existing rater. If not currently available in your state, shoot us a message. We may be able to help!

It's updated daily - a team checks each carrier for new guidelines and bulletins and retrains the AI. Curated content libraries available to enterprise customers.

Ellie answers up to five carriers at a time, mirroring how agents actually work - most have three to five in mind for a given risk. Ask a named carrier or your top few for the cleanest answer. Through the MCP, you can open up more simultaneous answers from carriers.

Yes - each carrier's guidelines live in their own silo; carriers can't see each other's data through Fetch.

Most teams and carriers to quote take less than an hour to get started. Add users, enter your producer code or login for each carrier you're already appointed with, and you're live. You only see carriers you're appointed with.

Fetch offers a plan for Ellie (AI underwriting) and a full plan that adds quoting; both are month-to-month with no contract. See the pricing page for current tiers.

Fetch uses industry-standard security - encryption in transit and at rest, role-based access.