Generating insurance quotes

An insurance rate server apparatus comprising:

• an insurance rate processor;
• and
• memory storing historical insurance information and a rate model, and further storing computer readable instructions that, when executed, cause the insurance rate server apparatus to perform:
• generating, one or more interactive user interfaces;
• receiving, from a first device, a request for a quote for home insurance by a user;
• receiving user information, wherein the user information comprises risk tolerance data for the user and zip code data for a home for which the home insurance is to cover;
• responsive to receiving the user information, transmitting, via an established network connection, the one or more interactive user interfaces;
• requesting liquid asset data, via the one or more interactive user interfaces;
• determining, by the server and based on the zip code data, claim information for an area associated with the zip code;
• mapping the risk tolerance of the user and the liquid asset data to a deductible matrix in order to determine a customized deductible for the home insurance;
• determining a premium;
• generating the quote based on the customized deductible and the premium;
• outputting, via the network connection, the quote along with at least one of:
• common claim information indicating at least one of the common claims, costly claim information indicating at least one of the costly claims, or deductible information providing an explanation for the deductible for display via the one or more interactive user interfaces, the one or more interactive user interfaces including a plurality of buttons representing links to execute one or more interactive tools for use by the user;
• receiving selection of a button representing a link to a first interactive tool;
• and
• responsive to receiving selection of the button, executing the first interactive tool and causing display of a second interactive user interface including functionality of the first interactive tool.

One or more tangible computer readable media storing computer readable instructions that, when executed, cause a computer system to perform:

• generating, one or more interactive user interfaces;
• receiving, from a first device, a request for a quote for home insurance by a user;
• receiving user information, wherein the user information comprises risk tolerance data for the user and zip code data for a home for which the home insurance is to cover;
• responsive to receiving the user information, transmitting, via an established network connection, the one or more interactive user interfaces;
• requesting liquid asset data, via the one or more interactive user interfaces;
• determining, based on the zip code data, claim information for an area associated with the zip code;
• mapping the risk tolerance of the user and the liquid asset data to a deductible matrix in order to determine a customized deductible for the home insurance;
• determining a premium;
• generating the quote based on the customized deductible and the premium;
• outputting, via the network connection, the quote along with at least one of:
• common claim information indicating at least one of the common claims, costly claim information indicating at least one of the costly claims, or deductible information providing an explanation for the deductible for display via the one or more interactive user interfaces, the one or more interactive user interfaces including a plurality of buttons representing links to execute one or more interactive tools for use by the user;
• receiving selection of a button representing a link to a first interactive tool;
• and
• responsive to receiving selection of the button, executing the first interactive tool and causing display of a second interactive user interface including functionality of the first interactive tool.