Insurance policies are read twice: at signing (by no one) and after the loss (too late). This skill does the first reading properly — what each coverage line pays in a real scenario, which exclusions swallow which promises, and whether "covered" means replaced-new or depreciated-to-pennies. The declarations page is marketing; the exclusions and definitions sections are the policy.
Insurance Policy Decoder is a community-contributed Claude Code skill in the general-misc sub-category. It ships as a SKILL.md file that Claude Code auto-discovers under ~/.claude/skills/insurance-policy-decoder/ and loads when your prompt matches the skill's trigger.
When to invoke it: Use when someone asks 'what does my insurance actually cover', 'decode my policy', 'is this deductible normal', or 'actual cash value vs replacement cost'. Produces a coverage decode with real payout scenarios, ranked exclusion red flags, the ACV-vs-replacement-cost math, and the questions to ask your agent before renewal.
The Insurance Policy Decoder Claude Code skill is built for Claude Code users and developers across all disciplines looking for general-purpose AI assistance. It's part of ClaudSkills (also referred to as Claude Skills or Claude Code Skills) — the open community-curated registry of 174,000+ SKILL.md files for Anthropic's Claude Code agent and the wider Claude ecosystem (Claude API, Claude Agent SDK).
mkdir -p ~/.claude/skills/insurance-policy-decoder curl -L https://claudskills.com/skills/insurance-policy-decoder/SKILL.md \ -o ~/.claude/skills/insurance-policy-decoder/SKILL.md
Or just download SKILL.md directly and drop it into ~/.claude/skills/insurance-policy-decoder/. Claude Code auto-discovers it on next session.
Skills live at ~/.claude/skills/insurance-policy-decoder/SKILL.md on macOS/Linux, or %USERPROFILE%\.claude\skills\insurance-policy-decoder\SKILL.md on Windows. See the full install guide for step-by-step instructions.
Open @claudskills_bot on Telegram, tap Open Desktop App, and the desktop app installs this skill for you. Or share the bot link with a colleague — they get the same one-tap install. Learn more →
The ClaudSkills desktop app installs any skill directly into ~/.claude/skills/ with one click — no terminal required. Pro starts at $9/mo or $149 lifetime.
For the full experience including quality scoring and one-click install features for each skill — upgrade to Pro.
SKILL.md from the source repository to ~/.claude/skills/insurance-policy-decoder/SKILL.md and restart Claude Code. Both flows are detailed at claudskills.com/install/.SKILL.md file that lives under ~/.claude/skills/<name>/ and tells the Claude Code CLI agent how to perform a specific task (instructions, prompts, allowed tools). Skills are auto-discovered at session start. Insurance Policy Decoder is one of 67,000+ skills indexed in the open ClaudSkills catalog, classified under the General category. Learn more at /learn/what-is-a-claude-skill/.If you reference this skill in a blog post, paper, or documentation, you can cite it as:
@misc{insurance-policy-decoder-2026,
author = {mohitagw15856},
title = {Insurance Policy Decoder [Claude Code skill]},
year = {2026},
publisher = {ClaudSkills},
url = {https://claudskills.com/skills/insurance-policy-decoder/}
}Grade A · scanned 2026-08-02 — free static scan against the OWASP Agentic Skills Top 10.
No risk patterns were found in any of the ten OWASP-aligned categories. How grading works ›
Browse all General skills in the ClaudSkills registry, or explore these other picks from the same category:
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SKILL.md files, not affiliated with, endorsed by, or sponsored by Anthropic.