{"uid":"cap_RCtKtbc3jOcGa9nBHPtb1","slug":"insurepulse-umbrella-insurance-excess-liability-calculator-e882fd11","name":"InsurePulse Umbrella Insurance & Excess-Liability Calculator","description":"Umbrella insurance and excess-liability calculator — whether a household needs it, how much coverage to carry, what it protects, and a country-aware estimated annual cost from public benchmarks. For insurance and personal-finance agents, any country.","url":"https://insurepulse.theaslangroupllc.com/api/insure/umbrella?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"invalid request"},"description":"Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.08","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":{"p10Cents":"8.0000","medianCents":"8.0000","p90Cents":"8.0000","minCents":"8.0000","maxCents":"8.0000","p95Cents":"8.0000","sampleCount":1,"varies":false,"failureChargeRate":1},"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.08/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_sHuJdpF9HbuKWZLjczY1f","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.08","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates whether a household needs umbrella/excess-liability insurance, how much coverage to carry, what it protects against, and an estimated annual cost based on country-aware public benchmarks.","exampleAgentPrompt":"We're a household of 4 in the United States with a net worth of about $800,000, two cars, and standard home and auto liability coverage — do we need umbrella insurance, how much coverage should we carry, and what would it cost us annually?","exampleUseCases":[{"title":"Umbrella insurance need assessment","prompt":"I'm a freelance consultant in Canada with about $600,000 in savings and I just got sued by a client — should I be carrying umbrella insurance right now? If yes, how much coverage would make sense and what's the ballpark annual cost?"},{"title":"Excess liability coverage for rental properties","prompt":"We own three rental properties in Australia with significant tenant liability exposure — do we need excess liability coverage beyond our standard landlord policy? What amount of coverage should we actually be carrying and roughly how much would that run us each year?"},{"title":"High-net-worth asset protection planning","prompt":"My spouse and I just sold our business in Germany and now have about €2.5 million in investable assets — what level of umbrella insurance protection should we really have, and can you estimate what that kind of coverage would cost annually?"}],"resultDescription":"Returns a recommendation on whether umbrella/excess-liability insurance is needed, suggested coverage amount, a description of what the policy would protect against, and a country-aware estimated annual premium cost derived from public benchmarks.","failureModes":["Missing required household or financial parameters returns a 400 error","Unsupported or unrecognized country code may return generic global estimates or an error","Extremely unusual asset profiles may produce low-confidence estimates","Payment not included or insufficient USDC triggers a 402 Payment Required response"],"whenToPreferThis":"Use this endpoint when a user wants personalized guidance on whether to purchase umbrella or excess-liability insurance, how much coverage to buy, and what it will cost — especially when country context matters. Prefer this over generic insurance lookup APIs when you need a computed, household-specific recommendation rather than raw rate tables.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T00:33:58.728Z","isFirstParty":false,"canonicalSlug":"insurepulse-umbrella-insurance-excess-liability-calculator-e882fd11"}