{"id":"life-col-renters-insurance-compare","audience":"college","category":"everyday-life","track":"life","technique":"examples","title":"Compare renters insurance if your laptop were stolen","free":false,"task":"You're comparing two renters insurance policies. Work out what each would cost you in a year where your $1,200 laptop is stolen: premiums for 12 months plus what you'd pay before insurance covers the rest. Get exactly 3 numbered lines in plain text, under 70 words: one per policy with the math, then which costs less in that year and by how much. Use the updated premium. No advice. Write a prompt that gets you exactly that.","materialLabel":"The two quotes (attached to your prompt automatically)","material":"POLICY A - Hearthstone Renters (fictional)\nPremium: $12 per month\nPersonal property coverage: $15,000\nDeductible: $500\n\nPOLICY B - Keystone Renters (fictional)\nPremium: $9 per month\nPersonal property coverage: $10,000\nDeductible: $1,000\n\nHEARTHSTONE EMAIL (Nov 2): \"Your quoted premium has been updated to $14 per month because of your building's zip code.\"\n\nMY NOTES\n- Most valuable thing: laptop, $1,200 replacement.\n- Landlord requires renters insurance by Dec 1.\n- Roommate says always pick the lowest premium.\n- I also have a bike ($400) and a TV ($300), but I'm only comparing the laptop case.\n- Hearthstone pays claims by direct deposit, Keystone by check. Both say claims take about 2 weeks.\n- Both policies cover theft from a car or campus building, not just the apartment.","rules":[{"type":"numberedItems","count":3},{"type":"maxWords","max":70},{"type":"plainText"}],"mistakes":[{"title":"Using the old premium","why":"The AI uses $12 and misses the updated quote.","fix":"Add: \"Use Hearthstone's updated $14 premium.\"","checks":["r0"]},{"title":"Comparing premiums only","why":"The AI says Policy B is cheaper, like your roommate, and never counts the deductible.","fix":"Say: \"Add 12 months of premiums plus the deductible I'd pay on a $1,200 claim.\"","checks":["r0","r1"]},{"title":"No math shown","why":"The AI gives totals with no working, so you can't check them.","fix":"Show it: \"1. Policy A: $14 x 12 = $168 + $500 deductible = $668\".","checks":["r0","numberedItems"]},{"title":"Getting advice","why":"The AI weighs pros and cons and nudges you toward one option.","fix":"Add: \"The last line only says which costs less and by how much. No advice.\"","checks":["r2","plainText"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting. Ask for \"under 70 words\" and it often lands well over.","fix":"Cap each part: \"each line under 18 words.\"","checks":["maxWords"]}],"promptHints":[{"label":"Uses the updated premium","patterns":["\\$?14","updated","nov(ember)? 2"]},{"label":"Counts the deductible","patterns":["deductible","claim","stolen"]},{"label":"Shows the math","patterns":["show.{0,15}(math|work)","x\\s*12"]},{"label":"Sets the number of lines","patterns":["\\b(3|three)\\b.{0,20}(lines?|numbered|items?|steps?)"]},{"label":"Sets a word limit","patterns":["\\d+\\s*words","word (limit|count)"]}],"hint":"A cheap premium can cost more when something goes wrong. Tell the AI the scenario, which premium is current, and show it one line.","rubricLabels":["Line 1 gives Policy A as $668 for the year using the updated $14 premium ($14 x 12 = $168 + $500 deductible)","Line 2 gives Policy B as $1,108 ($9 x 12 = $108 + $1,000 deductible)","Line 3 says Policy A costs $440 less in that year, and the answer gives no advice beyond the numbers"]}