{"uid":"cap_i2j2LaE2IpDAwnisEOVdB","slug":"saylor-innovations-insurance-payout-estimator-787470b7","name":"Saylor Innovations Insurance Payout Estimator","description":"Insurance payout estimate from loss, deductible and policy limit - covered and uncovered amounts","url":"https://saylorinnovations.com/api/insurance/payout?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":["loss","deductible","limit"],"properties":{"loss":{"type":"string","description":"required positive loss amount (query)"},"limit":{"type":"string","description":"required positive policy limit (query)"},"deductible":{"type":"string","description":"required non-negative deductible (query)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","required":["loss_amount","deductible","policy_limit","covered_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"},"policy_limit":{"type":"number","description":"Policy limit"},"covered_payout":{"type":"number","description":"Covered payout"},"uncovered_amount":{"type":"number","description":"Uncovered amount"}}}}}}},"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_lGT-ndr94VAJ6WhYKmH2-","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 payout estimates given loss amount, deductible, and policy limit, returning covered and uncovered amounts","exampleAgentPrompt":"I had a loss of $15,000, my deductible is $2,500, and my policy limit is $100,000 — can you estimate how much my insurance will cover and what I'll have to pay out of pocket?","exampleUseCases":[{"title":"Home damage insurance payout estimate","prompt":"My house had storm damage costing $45,000 to repair. My homeowners insurance has a $5,000 deductible and a $300,000 policy limit. How much will insurance actually pay out and how much am I responsible for?"},{"title":"Auto accident claim breakdown","prompt":"I was in a car accident and repairs are $8,200. My auto policy has a $1,000 deductible and a $50,000 limit. Can you calculate what my insurance will cover versus what I'll owe?"},{"title":"Small business property loss estimate","prompt":"We had a break-in and lost $22,500 in equipment. Our business property policy has a $3,000 deductible and a $75,000 limit — can you tell me the estimated payout and the uncovered amount?"}],"resultDescription":"Returns a JSON object with the original loss amount, deductible, and policy limit echoed back, along with the calculated covered payout amount, uncovered amount, the formula used for the computation, and a scope note clarifying what the estimate covers and its limitations.","failureModes":["Missing required parameters (loss, deductible, or limit) results in an error","Non-numeric or negative loss/limit values may return a validation error","Deductible exceeding the loss amount may return a zero covered payout","Policy limit lower than loss minus deductible is handled as a cap scenario","Service unavailability returns a non-200 HTTP status"],"whenToPreferThis":"Use this endpoint when you need a fast, deterministic insurance payout calculation from three basic inputs (loss, deductible, policy limit) without needing actuarial tables, policy type specifics, or jurisdiction rules. Ideal for quick estimates in agent workflows, financial planning tools, or claim pre-screening where a formula-based result suffices rather than a full underwriting assessment.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T19:07:32.241Z","isFirstParty":false,"canonicalSlug":"saylor-innovations-insurance-payout-estimator-787470b7"}