Request a renters quote

To get renters quotes, send a POST /v1/quote-requests request with line set to renters. Prefill what you already know about the applicant, such as their name or the address they rent, and ask them for the rest. If you don’t know an optional value, omit the field instead of guessing.

Get the applicant’s agreement

Before you request quotes, the applicant must agree to Truvo’s quote disclosure. GET /v1/capabilities returns it as quote_disclosure. Show the applicant its text as written, and ask whether they agree. If they agree, send its version as quote_disclosure_version, with quote_disclosure_accepted set to true. If the version isn’t the current one, the request fails with 422. The quote disclosure lists each rule and its error.

Minimal request

Generate one Idempotency-Key for each new quote request, and reuse it when you retry. To retry, rerun the curl command without regenerating KEY. Over MCP, pass the key as request_key.

Set TRUVO_API_KEY to your sandbox key and replace quote_disclosure_version with the version the applicant agreed to:

KEY=$(uuidgen)
curl -X POST https://api.truvo.com/v1/quote-requests \
  -H "Authorization: Bearer $TRUVO_API_KEY" \
  -H "Truvo-Version: 2026-09-26" \
  -H "Idempotency-Key: $KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "line": "renters",
    "quote_disclosure_version": "2026-10-06.1",
    "quote_disclosure_accepted": true,
    "application": {
      "applicant": {
        "name": {
          "first_name": "Test",
          "last_name": "Applicant One"
        },
        "date_of_birth": "1990-04-12",
        "email": "alex@example.com",
        "phone": "512-555-0123"
      },
      "rented_address": {
        "line1": "100 Example Way",
        "city": "Austin",
        "state": "TX",
        "postal_code": "78701"
      }
    }
  }'

Truvo returns 202 with a quote request. Poll the quote request to get its quotes.

Request fields

Top-level fields · application · applicant · rented_address · dwelling · current_insurance · protection · facts

Top-level fields

application

application.applicant

application.rented_address

application.dwelling

application.current_insurance

application.protection

application.facts

Responses

A request that fails with 422 isn’t stored, so you can send the corrected request with the same Idempotency-Key or a new one.

After Truvo accepts a request, a carrier can still report missing_information in market_outcomes if it needs more information than the request included. See Why did a request finish with no quotes?.

Default values

If you omit a field that has a default, such as dwelling.dwelling_type or current_insurance.insured, Truvo sends carriers the default and reports it in the quote request’s assumptions:

{
  "path": "application.dwelling.dwelling_type",
  "value": "apartment",
  "source": "renters_default",
  "label": "Truvo default. Send this fact to change it."
}

To send carriers the applicant’s actual value, create a new quote request that includes the field.

coverage_start_date is the exception: each quote reports its start date in its own evidence.assumptions. To show the applicant the assumptions, combine the quote request’s assumptions with each quote’s evidence.assumptions.

Missing required fields

The following response is for a request whose application is empty:

{
  "error": {
    "code": "needs_information",
    "message": "The quote request needs more information.",
    "field_errors": [
      {
        "path": "application.applicant.name.first_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.applicant.name.last_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.applicant.date_of_birth",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.applicant.email",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.applicant.phone",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.rented_address.line1",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.rented_address.city",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.rented_address.state",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.rented_address.postal_code",
        "message": "This fact is required.",
        "code": "required"
      }
    ],
    "retry_action": {
      "type": "supply_facts",
      "summary": "Supply the missing facts and send the request again."
    },
    "doc_url": "https://docs.truvo.com/v1/errors/needs_information"
  },
  "request_id": "req_6b944c3af5c8d813"
}