Eligibility Rules
Who can buy this product — no-code business rules engine
Personal Auto — Standard · Eligibility Conditions
Evaluated in order; a failed hard rule blocks the quote, a soft rule refers to underwriting
Primary driver must be 18 or older
Hard rule · Blocks quote · Applies to all jurisdictions
Hard
Vehicle garaged in a licensed territory (CA, NV, AZ, OR)
Hard rule · Blocks quote · Geography
Hard
No more than 2 at-fault claims in the last 36 months
Soft rule · Refers to underwriter · Risk class
Soft
No DUI conviction in the last 5 years
Soft rule · Refers to underwriter · Applies a surcharge if approved
Soft
Vehicle value under $150,000
Soft rule · Refers to specialty product · Risk class
Soft
Continuous prior coverage (no lapse > 30 days)
Soft rule · Applies lapse surcharge · Currently disabled
Soft
Validation Rules · Data Completeness & Field Format
Structural checks applied at intake — distinct from eligibility/underwriting rules; a failed validation blocks submission until the field is corrected
Personal Auto
Homeowners
Health
VIN must be exactly 17 alphanumeric characters
Field format · Regex ^[A-HJ-NPR-Z0-9]{17}$ · Excludes I, O, Q
Driver Date of Birth within valid age range (16-99)
Data completeness + range · Required · Must resolve to age 16 or older
Garaging ZIP is 5 digits and resolves to a licensed state
Field format · Numeric ^\d{5}$ · Cross-checked against state territory table
Annual mileage is numeric and greater than 0
Field format · Warns if over 30,000 mi/yr
Property address required and USPS-standardized
Data completeness · Street, city, state, ZIP all required · Verified against address service
Year built between 1850 and current year
Field format + range · 4-digit numeric
Construction type and roof age must be provided
Data completeness · Roof age numeric 0-100 years
Dwelling coverage amount is numeric and greater than $0
Field format · Warns if below estimated replacement cost
Applicant DOB within valid age range (18-64 for this product)
Data completeness + range · Required
Height and weight provided (BMI computable)
Data completeness · Numeric, non-zero
Every health questionnaire item answered
Data completeness · No blank Yes/No responses permitted
SSN format valid when provided (###-##-####)
Field format · Optional field, format-checked if present
Business users can add, reorder, and toggle rules here without a deployment. Changes are versioned and take effect on the product's next effective date.