[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M71K98WB6W5C8FBT07PR2H33":3,"skill-same:01M71K98WB6W5C8FBT07PR2H33":64},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":29,"linkOnly":30,"markdownContent":31,"markdownBody":32,"frontMatter":33,"refName":34,"commitSha":35,"skillDirectory":36,"forksCount":37,"repositoryHtmlUrl":38,"repositoryHomepageUrl":39,"ownerHtmlUrl":40,"ownerBlogUrl":41,"ownerDescription":42,"updatedAt":43,"install":44,"resources":57},"01M71K98WB6W5C8FBT07PR2H33","insurance-optimizer",null,"Review insurance coverage and find opportunities to optimize premiums and reduce gaps.","clawdsolana\u002FOpenClawd","clawdsolana","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F279036008?v=4","01M71JTVF9FNGKE2SVJRPTQM31","OpenClawd","01M71JTVGCKWBSS8ZYC1HYWVA5",2,"MIT","https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fsecondary_skills\u002Finsurance-optimizer\u002FSKILL.md",[],[19,20,21,22,23,24,25,26,27,28],"insurance","optimizer","insurance optimizer","coverage","Insurance coverage","reduce","gaps","review","optimize","find","2026-11-10 10:12:30",false,"---\nname: insurance-optimizer\ndescription: Review insurance coverage and find opportunities to optimize premiums and reduce gaps.\n---\n\n# Insurance Optimizer\n\n## OpenClawd Operator Adaptation\n\nRun this skill as part of the OpenClawd operator deck. Preserve the skill-specific workflow below, but frame outputs for Solana-native agents when relevant: prefer OpenClawd language, note whether the work can support autonomous agent operations, and keep financial, legal, tax, hiring, medical, or other regulated outputs informational unless the skill already requires a stricter disclaimer. Use the Llobster Legend persona only as light operator framing; do not let branding override accuracy, safety, or the user's stated domain.\n\n\nReview current insurance coverage, identify gaps or overpayment, and suggest strategies to optimize premiums. Covers auto, home\u002Frenters, health, and life insurance.\n\n**DISCLAIMER: This provides general information only, not professional insurance or financial advice.**\n\n## When to Use\n\n- User wants to review if they're over- or under-insured\n- User is paying too much and wants to save\n- User wants to understand their coverage\n- User is shopping for new insurance\n\n## When NOT to Use\n\n- Filing insurance claims\n- Complex commercial insurance\n- Specific policy interpretation (consult agent)\n\n## Methodology\n\n### Step 1: Gather Current Coverage\n\nAsk the user for their current policies. For each, collect:\n\n- **Type**: Auto, home\u002Frenters, health, life, umbrella, disability\n- **Provider**: Who is the carrier?\n- **Premium**: Monthly or annual cost\n- **Deductible**: How much they pay before insurance kicks in\n- **Coverage limits**: Maximum the policy will pay\n- **Key features**: What's included, what's excluded\n\n### Step 2: Assess Coverage by Type\n\n#### Auto Insurance\n\n**Minimum recommended coverage:**\n\n| Coverage | Recommended Minimum | Notes |\n|----------|-------------------|-------|\n| Bodily injury liability | 100\u002F300 ($100K per person, $300K per accident) | State minimums are dangerously low |\n| Property damage liability | $100,000 | Covers damage to other vehicles\u002Fproperty |\n| Uninsured\u002Funderinsured motorist | Match liability limits | Protects you from uninsured drivers |\n| Collision | Based on car value | Consider dropping if car value \u003C 10× annual premium |\n| Comprehensive | Based on car value | Covers theft, weather, animals |\n| Medical payments \u002F PIP | $5,000-$10,000 | Covers your medical costs regardless of fault |\n\n**Drop collision\u002Fcomp test:** If car value (KBB private party) \u003C 10× the annual collision+comp premium, OR \u003C ~$4,000 outright → self-insure. A $3,000 car with a $1,000 deductible and $400\u002Fyr premium means best-case payout is $2,000 — you're paying 20%\u002Fyr to insure that.\n\n**Liability floor:** 100\u002F300\u002F100 minimum. State minimums (often 25\u002F50\u002F25) won't cover a single hospital visit. If net worth >$500k, bump to 250\u002F500\u002F100 + umbrella.\n\n#### Home \u002F Renters Insurance\n\n**Homeowners:**\n\n| Coverage | Guideline |\n|----------|-----------|\n| Dwelling | Full replacement cost (NOT market value) |\n| Personal property | Enough to replace belongings (do a home inventory) |\n| Liability | $300,000-$500,000 minimum |\n| Additional living expenses | 20% of dwelling coverage |\n| Deductible | $1,000-$2,500 (higher = lower premium) |\n\n**Commonly missed:** Flood (NOT in standard policies — check FEMA zone), earthquake (separate), scheduled riders for jewelry\u002Fart >$1,500-2,500, sewer backup, home business equipment.\n\n**Renters:** $15-30\u002Fmo for $30-50k property + $100-300k liability. Best value in insurance — never skip.\n\n#### Health Insurance\n\n| | HMO | PPO | HDHP + HSA |\n|---|---|---|---|\n| Premium | Lower | Higher | Lowest |\n| Deductible | Lower | Moderate | Highest ($1,650+ ind.) |\n| Network | Referral needed | Any | Any |\n| Best for | Low utilization | Frequent specialists | Healthy + want tax savings |\n\n**HSA advantage:** Triple tax benefit — contributions deductible, growth tax-free, withdrawals tax-free for medical. 2026 limits: $4,400 individual \u002F $8,750 family (+$1,000 if 55+). The only account in the tax code better than a Roth IRA. Save receipts — reimburse yourself decades later, tax-free.\n\n**HDHP break-even math:** `(PPO premium − HDHP premium) × 12 + employer HSA contribution` = your buffer. If expected annual healthcare spending \u003C buffer + tax savings on HSA contribution, HDHP wins. Most healthy people under 50 without chronic conditions come out ahead on HDHP.\n\n#### Life Insurance\n\n**How much:**\n\n- Rule of thumb: 10-12× annual income\n- More precise: Calculate total financial obligations (mortgage, debts, children's education, income replacement for X years) minus existing assets\n\n**Term vs. Whole — run the math:**\n\n| | Term (20yr, $500k) | Whole ($500k) |\n|---|---|---|\n| Monthly, healthy 30yo | ~$25-30 | ~$200-450 (8-15× term) |\n| Cash value after 20yr | $0 | ~$50-80k (2-4% IRR after fees) |\n| \"Buy term, invest the difference\" | $300\u002Fmo in index fund @ 7% real → **~$150k** after 20yr | — |\n\nThe salesperson's commission on whole life is typically 50-100% of the first-year premium — that's why it's pushed hard. Whole life makes sense only for: estate tax planning above the ~$15M exemption, special-needs trust funding, or maxed-out every other tax-advantaged account and still have excess.\n\n**Term life is right for 90%+ of people.** Ladder policies (e.g., $500k\u002F30yr + $500k\u002F20yr) to match declining need as mortgage shrinks and kids age out.\n\n#### Umbrella Insurance\n\n**The $500k trigger:** Standard auto\u002Fhome liability maxes out at ~$300-500k. Once your attachable net worth (home equity + taxable brokerage + savings — exclude 401k\u002FIRA, they're federally protected from most judgments) crosses ~$500k, you're a lawsuit target without a shield.\n\n- Coverage = total attachable net worth, rounded up to nearest $1M\n- Cost: **~$150-300\u002Fyr for first $1M**, each additional $1M only ~$75-100\u002Fyr. $5M runs ~$500-700\u002Fyr. The cheapest insurance per dollar of coverage in existence.\n- **Prerequisite:** most carriers require $250-300k underlying liability on auto\u002Fhome before writing umbrella\n- **Get it if:** net worth >$500k, rental properties, teenage drivers, pool\u002Ftrampoline\u002Fdog, coach youth sports, high public profile, or you post opinions on the internet under your real name\n\n### Step 3: Identify Gaps\n\nCommon coverage gaps to flag:\n\n- [ ] Liability limits too low relative to net worth\n- [ ] No umbrella policy\n- [ ] No disability insurance (protects income — most overlooked insurance)\n- [ ] No flood\u002Fearthquake in at-risk area\n- [ ] Renters without renters insurance\n- [ ] Life insurance insufficient for dependents\n- [ ] Health plan doesn't cover needed specialists\n- [ ] No scheduled coverage for high-value items\n\n### Step 4: Find Savings\n\n**Deductible break-even math (compute this, don't guess):**\n\n```text\nbreak_even_years = (high_deductible − low_deductible) \u002F annual_premium_savings\n```\n\n- $500 → $1,000 deductible typically saves 15-30% on collision\u002Fcomp (NOT proportional — doubling deductible does not halve premium)\n- Avg driver files a claim every **6-8 years**. If break-even \u003C 3 years and you have the emergency fund, raise it.\n- Example: $500→$1,000 saves $200\u002Fyr → break-even 2.5yr → clearly worth it. Saves only $50\u002Fyr → 10yr break-even → skip.\n- **Bank the savings** in a dedicated account until it equals your highest deductible — self-insure the gap.\n\n**Shopping cadence — loyalty is a tax:**\n\n- **Auto: re-quote every 6 months** (standard policy term). Carriers use \"price optimization\" — they raise rates on customers their models predict won't shop. ~22% of shoppers who compare find a cheaper rate. Early-shopper discounts: up to 10-15% for quoting before your current policy expires.\n- **Home: re-quote every 2-3 years** or after any claim-free stretch\n- **Life: re-quote after health improvements** — quit smoking 12+ months, lost significant weight, A1C normalized. Rates can drop 50%+.\n- **Trigger events** that should always prompt a re-quote: birthday (esp. 25), violation falls off record (~3yr), credit score jump, marriage, move, paid off car\n\n**Savings strategies by impact:**\n\n| Strategy | Savings | Notes |\n|---|---|---|\n| Shop every 6mo (auto) | 15-30% | The Zebra, Insurify, or independent agent — get 3+ quotes |\n| Raise deductibles | 10-25% | Only if emergency fund covers it; do break-even math |\n| Bundle home + auto | 10-25% | But quote unbundled too — bundle discount sometimes masks one overpriced policy |\n| Drop collision\u002Fcomp | 100% of that premium | When car value \u003C ~10× annual premium OR \u003C $4,000 |\n| Pay annually | 5-10% | Avoids monthly installment fees |\n| Telematics (Progressive Snapshot etc.) | 10-30% for safe drivers | Can also RAISE rates — know your driving |\n| Credit score improvement | 5-25% | Insurers use credit-based insurance scores in most states |\n\n**Comparison sites:** The Zebra \u002F Insurify (auto+home), Policygenius (life+disability), Healthcare.gov (ACA). All free. An independent broker who writes for multiple carriers beats a captive agent (State Farm\u002FAllstate only sell their own).\n\n### Step 5: Prioritize — Gaps Before Savings\n\nFix underinsurance first (existential risk), then optimize premiums (efficiency).\n\n## Output Format\n\n```text\n# Insurance Review: [Name]\n\n## Current Coverage Summary\n| Type | Provider | Premium | Deductible | Coverage | Assessment |\n|------|----------|---------|-----------|----------|------------|\n| Auto | [co] | $X\u002Fmo | $Y | 100\u002F300\u002F100 | Adequate |\n| Home | [co] | $X\u002Fmo | $Y | $Z dwelling | Gap: flood |\n| ... | | | | | |\n\n## Total Annual Cost: $X,XXX\n\n## Gaps Identified\n1. **[Gap]** — [risk explanation and recommendation]\n\n## Savings Opportunities\n1. **[Strategy]** — estimated savings: $X-Y\u002Fyear\n\n## Action Items\n1. [ ] [Highest priority action]\n2. [ ] [Next priority]\n3. [ ] [Shop for quotes by date]\n\n## Disclaimer\nGeneral information only. Consult a licensed insurance professional for specific policy advice.\n```\n\n## Best Practices\n\n1. **Review annually** — needs, rates, and life circumstances change\n2. **Shop around** — get 3+ quotes; loyalty rarely gets the best rate\n3. **Understand deductibles** — ensure your emergency fund can cover them\n4. **Don't underinsure to save** — $50\u002Fmonth savings isn't worth major exposure\n5. **Ask about discounts** — most insurers have unadvertised discounts (ask explicitly)\n6. **Read the exclusions** — know what's NOT covered, not just what is\n\n## Limitations\n\n- Cannot provide actual quotes or bind policies\n- Cannot compare specific policy documents (recommend an independent agent for that)\n- Cannot interpret specific policy language or coverage disputes\n- Not a licensed insurance advisor\n- Rates and regulations vary significantly by state\n","# Insurance Optimizer\n\n## OpenClawd Operator Adaptation\n\nRun this skill as part of the OpenClawd operator deck. Preserve the skill-specific workflow below, but frame outputs for Solana-native agents when relevant: prefer OpenClawd language, note whether the work can support autonomous agent operations, and keep financial, legal, tax, hiring, medical, or other regulated outputs informational unless the skill already requires a stricter disclaimer. Use the Llobster Legend persona only as light operator framing; do not let branding override accuracy, safety, or the user's stated domain.\n\n\nReview current insurance coverage, identify gaps or overpayment, and suggest strategies to optimize premiums. Covers auto, home\u002Frenters, health, and life insurance.\n\n**DISCLAIMER: This provides general information only, not professional insurance or financial advice.**\n\n## When to Use\n\n- User wants to review if they're over- or under-insured\n- User is paying too much and wants to save\n- User wants to understand their coverage\n- User is shopping for new insurance\n\n## When NOT to Use\n\n- Filing insurance claims\n- Complex commercial insurance\n- Specific policy interpretation (consult agent)\n\n## Methodology\n\n### Step 1: Gather Current Coverage\n\nAsk the user for their current policies. For each, collect:\n\n- **Type**: Auto, home\u002Frenters, health, life, umbrella, disability\n- **Provider**: Who is the carrier?\n- **Premium**: Monthly or annual cost\n- **Deductible**: How much they pay before insurance kicks in\n- **Coverage limits**: Maximum the policy will pay\n- **Key features**: What's included, what's excluded\n\n### Step 2: Assess Coverage by Type\n\n#### Auto Insurance\n\n**Minimum recommended coverage:**\n\n| Coverage | Recommended Minimum | Notes |\n|----------|-------------------|-------|\n| Bodily injury liability | 100\u002F300 ($100K per person, $300K per accident) | State minimums are dangerously low |\n| Property damage liability | $100,000 | Covers damage to other vehicles\u002Fproperty |\n| Uninsured\u002Funderinsured motorist | Match liability limits | Protects you from uninsured drivers |\n| Collision | Based on car value | Consider dropping if car value \u003C 10× annual premium |\n| Comprehensive | Based on car value | Covers theft, weather, animals |\n| Medical payments \u002F PIP | $5,000-$10,000 | Covers your medical costs regardless of fault |\n\n**Drop collision\u002Fcomp test:** If car value (KBB private party) \u003C 10× the annual collision+comp premium, OR \u003C ~$4,000 outright → self-insure. A $3,000 car with a $1,000 deductible and $400\u002Fyr premium means best-case payout is $2,000 — you're paying 20%\u002Fyr to insure that.\n\n**Liability floor:** 100\u002F300\u002F100 minimum. State minimums (often 25\u002F50\u002F25) won't cover a single hospital visit. If net worth >$500k, bump to 250\u002F500\u002F100 + umbrella.\n\n#### Home \u002F Renters Insurance\n\n**Homeowners:**\n\n| Coverage | Guideline |\n|----------|-----------|\n| Dwelling | Full replacement cost (NOT market value) |\n| Personal property | Enough to replace belongings (do a home inventory) |\n| Liability | $300,000-$500,000 minimum |\n| Additional living expenses | 20% of dwelling coverage |\n| Deductible | $1,000-$2,500 (higher = lower premium) |\n\n**Commonly missed:** Flood (NOT in standard policies — check FEMA zone), earthquake (separate), scheduled riders for jewelry\u002Fart >$1,500-2,500, sewer backup, home business equipment.\n\n**Renters:** $15-30\u002Fmo for $30-50k property + $100-300k liability. Best value in insurance — never skip.\n\n#### Health Insurance\n\n| | HMO | PPO | HDHP + HSA |\n|---|---|---|---|\n| Premium | Lower | Higher | Lowest |\n| Deductible | Lower | Moderate | Highest ($1,650+ ind.) |\n| Network | Referral needed | Any | Any |\n| Best for | Low utilization | Frequent specialists | Healthy + want tax savings |\n\n**HSA advantage:** Triple tax benefit — contributions deductible, growth tax-free, withdrawals tax-free for medical. 2026 limits: $4,400 individual \u002F $8,750 family (+$1,000 if 55+). The only account in the tax code better than a Roth IRA. Save receipts — reimburse yourself decades later, tax-free.\n\n**HDHP break-even math:** `(PPO premium − HDHP premium) × 12 + employer HSA contribution` = your buffer. If expected annual healthcare spending \u003C buffer + tax savings on HSA contribution, HDHP wins. Most healthy people under 50 without chronic conditions come out ahead on HDHP.\n\n#### Life Insurance\n\n**How much:**\n\n- Rule of thumb: 10-12× annual income\n- More precise: Calculate total financial obligations (mortgage, debts, children's education, income replacement for X years) minus existing assets\n\n**Term vs. Whole — run the math:**\n\n| | Term (20yr, $500k) | Whole ($500k) |\n|---|---|---|\n| Monthly, healthy 30yo | ~$25-30 | ~$200-450 (8-15× term) |\n| Cash value after 20yr | $0 | ~$50-80k (2-4% IRR after fees) |\n| \"Buy term, invest the difference\" | $300\u002Fmo in index fund @ 7% real → **~$150k** after 20yr | — |\n\nThe salesperson's commission on whole life is typically 50-100% of the first-year premium — that's why it's pushed hard. Whole life makes sense only for: estate tax planning above the ~$15M exemption, special-needs trust funding, or maxed-out every other tax-advantaged account and still have excess.\n\n**Term life is right for 90%+ of people.** Ladder policies (e.g., $500k\u002F30yr + $500k\u002F20yr) to match declining need as mortgage shrinks and kids age out.\n\n#### Umbrella Insurance\n\n**The $500k trigger:** Standard auto\u002Fhome liability maxes out at ~$300-500k. Once your attachable net worth (home equity + taxable brokerage + savings — exclude 401k\u002FIRA, they're federally protected from most judgments) crosses ~$500k, you're a lawsuit target without a shield.\n\n- Coverage = total attachable net worth, rounded up to nearest $1M\n- Cost: **~$150-300\u002Fyr for first $1M**, each additional $1M only ~$75-100\u002Fyr. $5M runs ~$500-700\u002Fyr. The cheapest insurance per dollar of coverage in existence.\n- **Prerequisite:** most carriers require $250-300k underlying liability on auto\u002Fhome before writing umbrella\n- **Get it if:** net worth >$500k, rental properties, teenage drivers, pool\u002Ftrampoline\u002Fdog, coach youth sports, high public profile, or you post opinions on the internet under your real name\n\n### Step 3: Identify Gaps\n\nCommon coverage gaps to flag:\n\n- [ ] Liability limits too low relative to net worth\n- [ ] No umbrella policy\n- [ ] No disability insurance (protects income — most overlooked insurance)\n- [ ] No flood\u002Fearthquake in at-risk area\n- [ ] Renters without renters insurance\n- [ ] Life insurance insufficient for dependents\n- [ ] Health plan doesn't cover needed specialists\n- [ ] No scheduled coverage for high-value items\n\n### Step 4: Find Savings\n\n**Deductible break-even math (compute this, don't guess):**\n\n```text\nbreak_even_years = (high_deductible − low_deductible) \u002F annual_premium_savings\n```\n\n- $500 → $1,000 deductible typically saves 15-30% on collision\u002Fcomp (NOT proportional — doubling deductible does not halve premium)\n- Avg driver files a claim every **6-8 years**. If break-even \u003C 3 years and you have the emergency fund, raise it.\n- Example: $500→$1,000 saves $200\u002Fyr → break-even 2.5yr → clearly worth it. Saves only $50\u002Fyr → 10yr break-even → skip.\n- **Bank the savings** in a dedicated account until it equals your highest deductible — self-insure the gap.\n\n**Shopping cadence — loyalty is a tax:**\n\n- **Auto: re-quote every 6 months** (standard policy term). Carriers use \"price optimization\" — they raise rates on customers their models predict won't shop. ~22% of shoppers who compare find a cheaper rate. Early-shopper discounts: up to 10-15% for quoting before your current policy expires.\n- **Home: re-quote every 2-3 years** or after any claim-free stretch\n- **Life: re-quote after health improvements** — quit smoking 12+ months, lost significant weight, A1C normalized. Rates can drop 50%+.\n- **Trigger events** that should always prompt a re-quote: birthday (esp. 25), violation falls off record (~3yr), credit score jump, marriage, move, paid off car\n\n**Savings strategies by impact:**\n\n| Strategy | Savings | Notes |\n|---|---|---|\n| Shop every 6mo (auto) | 15-30% | The Zebra, Insurify, or independent agent — get 3+ quotes |\n| Raise deductibles | 10-25% | Only if emergency fund covers it; do break-even math |\n| Bundle home + auto | 10-25% | But quote unbundled too — bundle discount sometimes masks one overpriced policy |\n| Drop collision\u002Fcomp | 100% of that premium | When car value \u003C ~10× annual premium OR \u003C $4,000 |\n| Pay annually | 5-10% | Avoids monthly installment fees |\n| Telematics (Progressive Snapshot etc.) | 10-30% for safe drivers | Can also RAISE rates — know your driving |\n| Credit score improvement | 5-25% | Insurers use credit-based insurance scores in most states |\n\n**Comparison sites:** The Zebra \u002F Insurify (auto+home), Policygenius (life+disability), Healthcare.gov (ACA). All free. An independent broker who writes for multiple carriers beats a captive agent (State Farm\u002FAllstate only sell their own).\n\n### Step 5: Prioritize — Gaps Before Savings\n\nFix underinsurance first (existential risk), then optimize premiums (efficiency).\n\n## Output Format\n\n```text\n# Insurance Review: [Name]\n\n## Current Coverage Summary\n| Type | Provider | Premium | Deductible | Coverage | Assessment |\n|------|----------|---------|-----------|----------|------------|\n| Auto | [co] | $X\u002Fmo | $Y | 100\u002F300\u002F100 | Adequate |\n| Home | [co] | $X\u002Fmo | $Y | $Z dwelling | Gap: flood |\n| ... | | | | | |\n\n## Total Annual Cost: $X,XXX\n\n## Gaps Identified\n1. **[Gap]** — [risk explanation and recommendation]\n\n## Savings Opportunities\n1. **[Strategy]** — estimated savings: $X-Y\u002Fyear\n\n## Action Items\n1. [ ] [Highest priority action]\n2. [ ] [Next priority]\n3. [ ] [Shop for quotes by date]\n\n## Disclaimer\nGeneral information only. Consult a licensed insurance professional for specific policy advice.\n```\n\n## Best Practices\n\n1. **Review annually** — needs, rates, and life circumstances change\n2. **Shop around** — get 3+ quotes; loyalty rarely gets the best rate\n3. **Understand deductibles** — ensure your emergency fund can cover them\n4. **Don't underinsure to save** — $50\u002Fmonth savings isn't worth major exposure\n5. **Ask about discounts** — most insurers have unadvertised discounts (ask explicitly)\n6. **Read the exclusions** — know what's NOT covered, not just what is\n\n## Limitations\n\n- Cannot provide actual quotes or bind policies\n- Cannot compare specific policy documents (recommend an independent agent for that)\n- Cannot interpret specific policy language or coverage disputes\n- Not a licensed insurance advisor\n- Rates and regulations vary significantly by state\n",{"name":5,"description":7},"main","6b4a291df75c639681e93b4b5b812126443fd6ed","secondary_skills\u002Finsurance-optimizer",3,"https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd","https:\u002F\u002Fsolanaclawd.com\u002Fopenclawd","https:\u002F\u002Fgithub.com\u002Fclawdsolana","https:\u002F\u002Fmusebook.trade","Welcome to Open Clawd. The future of Ai on and off chain. Bringing webMCP to web 3 using X402, A2A, MPP and so much more!","2026-08-01 09:30:51",{"source":8,"skillName":5,"commands":45,"prompt":55,"zipAvailable":56},[46,49,52],{"tool":47,"command":48},"npx","npx skills add clawdsolana\u002FOpenClawd --skill insurance-optimizer",{"tool":50,"command":51},"bunx","bunx skills add clawdsolana\u002FOpenClawd --skill insurance-optimizer",{"tool":53,"command":54},"pnpm","pnpm dlx skills add clawdsolana\u002FOpenClawd --skill insurance-optimizer","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fsecondary_skills\u002Finsurance-optimizer\u002FSKILL.md",true,[58],{"path":59,"resourceType":60,"resourceTypeDesc":61,"sizeBytes":62,"sourceHtmlUrl":63},".fingerprint","OTHER","其他",32,"https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fsecondary_skills\u002Finsurance-optimizer\u002F.fingerprint",[65,98,126,152,162,186],{"skillNo":66,"name":67,"nameZh":6,"description":68,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":69,"categories":70,"keywords":76,"publishedAt":97},"01M71KRBD0W01EAXJ8YM4M1SJ2","solana-dev","End-to-end Solana development playbook (Jan 2026). Prefer Solana Foundation framework-kit (@solana\u002Fclient + @solana\u002Freact-hooks) for React\u002FNext.js UI. Prefer @solana\u002Fkit for all new client\u002FRPC\u002Ftransaction code. When legacy dependencies require web3.js, isolate it behind @solana\u002Fweb3-compat (or @solana\u002Fweb3.js as a true legacy fallback). Covers wallet-standard-first connection (incl. ConnectorKit), Anchor\u002FPinocchio programs, Codama-based client generation, LiteSVM\u002FMollusk\u002FSurfpool testing, and security checklists.","https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fsrc\u002Fskills\u002Fsolana-dev\u002FSKILL.md",[71],{"categoryNo":72,"categoryName":73,"taxonomyType":74,"taxonomyTypeDesc":75},"01JBSEEDCAT000000000000008","测试与质量","SCENARIO","使用场景",[77,78,79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96],"solana dev","dev","solana","Wallet","end","testing","hooks","kit","new","when","web3","code","react","next","2026","playbook","security","ui","fallback","framework","2026-11-10 10:56:23",{"skillNo":99,"name":100,"nameZh":6,"description":101,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":102,"categories":103,"keywords":107,"publishedAt":97},"01M71KR8QPESSY61SVE8ZTFNVT","xurl","A CLI tool for making authenticated requests to the X (Twitter) API. Use this skill when you need to post tweets, reply, quote, search, read posts, manage followers, send DMs, upload media, or interact with any X API v2 endpoint.","https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fskills\u002Fxurl\u002FSKILL.md",[104],{"categoryNo":105,"categoryName":106,"taxonomyType":74,"taxonomyTypeDesc":75},"01JBSEEDCAT000000000000023","Skill与智能体开发",[100,108,109,110,111,112,113,86,114,115,116,117,118,119,120,121,122,123,124,125],"posts","Media","x api","search","send","tap","you","api","cli","read","install","cli tool","endpoint","brew","for","manage","tool","twitter",{"skillNo":127,"name":128,"nameZh":6,"description":129,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":130,"categories":131,"keywords":133,"publishedAt":97},"01M71KR6FSXV88YDKWP7NBY3SH","wurk-integration","WURK API integration for monetizing agents with x402 payments on Solana\u002FBase - create social jobs, custom challenges, and agent help tasks","https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fskills\u002Fwurk-integration\u002FSKILL.md",[132],{"categoryNo":105,"categoryName":106,"taxonomyType":74,"taxonomyTypeDesc":75},[134,135,136,137,138,139,140,141,115,142,143,144,145,146,147,148,122,149,150,151],"wurk","wurk integration","integration","x402","social","payments","tasks","team","create","social-jobs","command","agent-help","custom-jobs","clawd","safe","api integration","custom","true",{"skillNo":153,"name":154,"nameZh":6,"description":155,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":156,"categories":157,"keywords":158,"publishedAt":97},"01M71KR4HCX41BPAK9GP7RPRRP","workflows","Manage application workflows including configuration, restart, and removal.","https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fskills\u002Fworkflows\u002FSKILL.md",[],[154,123,159,160,161],"configuration","application","restart",{"skillNo":163,"name":164,"nameZh":6,"description":165,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":166,"categories":167,"keywords":168,"publishedAt":97},"01M71KR1VM0F5GPEQDNG5J7A0H","web-search","Search the web, fetch content, extract branding profiles, and capture screenshots from URLs. Use for real-time information, API documentation, current events, design matching, and visual reference.","https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fskills\u002Fweb-search\u002FSKILL.md",[],[169,111,170,171,172,122,173,174,175,176,177,178,179,115,180,181,182,183,184,185],"web search","web","fetch","api documentation","real-time","time","profiles","design","use","information","visual","documentation","branding","matching","reference","capture","content",{"skillNo":187,"name":188,"nameZh":6,"description":189,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":190,"categories":191,"keywords":192,"publishedAt":97},"01M71KQZN5MR1JFQHG5GWXYAHS","weather","Get current weather and forecasts via wttr.in or Open-Meteo. Use when: user asks about weather, temperature, or forecasts for any location. NOT for: historical weather data, severe weather alerts, or detailed meteorological analysis. No API key needed.","https:\u002F\u002Fgithub.com\u002Fclawdsolana\u002FOpenClawd\u002Fblob\u002Fmain\u002Fskills\u002Fweather\u002FSKILL.md",[],[188,193,122,194,177,86,195,115,196,197,198,199,200,201,202,203,204,205],"get","open","analysis","alerts","temperature","curl","via","help","about","https","location","data","user"]