{"uid":"cap_DCmMPVyYqFf6ttzzSq32i","slug":"saylor-innovations-property-coinsurance-calculator-8f23ea22","name":"Saylor Innovations Property Coinsurance Calculator","description":"Property coinsurance calculator from value, required percentage, coverage carried, loss and deductible","url":"https://saylorinnovations.com/api/insurance/coinsurance?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["property_value","required_percent","coverage","loss","deductible"],"properties":{"loss":{"type":"string","description":"required positive loss amount (query)"},"coverage":{"type":"string","description":"required positive coverage carried (query)"},"deductible":{"type":"string","description":"required non-negative deductible (query)"},"property_value":{"type":"string","description":"required positive property value (query)"},"required_percent":{"type":"string","description":"required coinsurance percentage from 1 to 100 (query)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","required":["property_value","required_percent","required_coverage","coverage_carried","loss_amount","estimated_payout","scope_note"],"properties":{"formula":{"type":"string","description":"Formula used for the calculation"},"deductible":{"type":"number","description":"Deductible amount"},"scope_note":{"type":"string","description":"What this data covers and what it leaves out"},"loss_amount":{"type":"number","description":"Loss amount"},"property_value":{"type":"number","description":"Property value"},"coverage_carried":{"type":"number","description":"Coverage carried"},"estimated_payout":{"type":"number","description":"Estimated payout"},"required_percent":{"type":"number","description":"Required, as a percentage"},"coinsurance_ratio":{"type":"number","description":"Coinsurance ratio"},"required_coverage":{"type":"number","description":"Required coverage"},"gross_covered_loss":{"type":"number","description":"Gross covered loss"}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_I-R-KsiOJqKi-ZzET1tWf","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates insurance coinsurance payout based on property value, required coinsurance percentage, coverage carried, loss amount, and deductible","exampleAgentPrompt":"I have a commercial property worth $2,000,000 with an 80% coinsurance requirement. I'm carrying $1,400,000 in coverage, suffered a $300,000 loss, and have a $10,000 deductible — how much will my insurance actually pay out?","exampleUseCases":[{"title":"Checking underinsurance before a claim","prompt":"My warehouse is valued at $1,500,000 and my policy requires 80% coinsurance, but I only have $900,000 in coverage. If I had a $200,000 fire loss with a $5,000 deductible, what would my insurer actually pay me?"},{"title":"Verifying adequate coverage at renewal","prompt":"My building is worth $800,000 with a 90% coinsurance clause and I'm carrying $720,000 in coverage. Run a coinsurance calculation for a hypothetical $50,000 loss with a $2,500 deductible so I can confirm I'm not underinsured."},{"title":"Comparing two coverage scenarios for a client","prompt":"I'm advising a client on a $3,000,000 property with an 80% coinsurance requirement. They have $2,000,000 of coverage and a $25,000 deductible — if they suffered a $500,000 loss, what would the estimated payout be?"}],"resultDescription":"Returns a JSON object with the original inputs (property value, required percent, coverage carried, loss amount, deductible), computed fields including required coverage, coinsurance ratio, gross covered loss, and estimated payout, plus the formula used and a scope note explaining what the calculation covers and excludes.","failureModes":["Missing required query parameters (property_value, required_percent, coverage, loss, deductible) returns a validation error","Non-numeric or negative values for monetary fields cause a 400 bad request","Required percent outside 1–100 range triggers a validation error","Deductible exceeding gross covered loss may produce a $0 payout result","Network timeout or 5xx if the upstream service is unavailable"],"whenToPreferThis":"Use this endpoint when you need a quick, formula-based coinsurance payout calculation for property insurance scenarios without needing to integrate a full insurance rating engine. It is ideal for agents helping users understand underinsurance penalties, advisors running what-if coverage scenarios, or applications that need to surface coinsurance math in a structured, machine-readable format. Prefer this over manual calculation or general-purpose math tools when you need the coinsurance formula, ratio, gross covered loss, and payout all returned together in one call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T06:41:10.276Z","isFirstParty":false,"canonicalSlug":"saylor-innovations-property-coinsurance-calculator-8f23ea22"}