{"uid":"cap_kyp7ZcTIW5i4EEy_Ce7fx","slug":"locus-homeowners-insurance-cost-context-46092bda","name":"Locus Homeowners Insurance Cost Context","description":"ACS 2023 median annual homeowners-insurance cost band by mortgage status and median monthly owner costs at ZIP, county, and state, for agents. Returns the same records as locus_homeowners_insurance_context. Use this when your client can only call paid x402 routes. Use locus_homeowners_insurance_context instead when you can call Locus free tools (REST tools/call or MCP).","url":"https://api.locus.report/api/locus-homeowners-insurance-context?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"address":{"type":"string","maxLength":200,"minLength":5},"latitude":{"type":"number","maximum":90,"minimum":-90},"longitude":{"type":"number","maximum":180,"minimum":-180}}},"responseSchema":{"type":"json","example":{"ok":true,"geo":{"zip":"27601","state":"NC","county":"Wake County"},"kind":"homeowners_insurance_context","note":"Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.","point":{"latitude":35.78041800000319,"longitude":-78.63910200000142},"levels":[{"id":"27601","name":"ZCTA5 27601","level":"zcta","status":"ok","ownerOccupiedUnits":1184,"annualInsuranceCostUsd":{"withMortgage":{"households":895,"medianBand":[1000,1499],"medianEstimate":1250},"withoutMortgage":{"households":289,"medianBand":[1000,1499],"medianEstimate":1250}},"medianMonthlyOwnerCostsUsd":{"all":2119,"withMortgage":2382,"withoutMortgage":575}},{"id":"37183","name":"Wake County, North Carolina","level":"county","status":"ok","ownerOccupiedUnits":287109,"annualInsuranceCostUsd":{"withMortgage":{"households":213356,"medianBand":[1000,1499],"medianEstimate":1250},"withoutMortgage":{"households":73753,"medianBand":[1000,1499],"medianEstimate":1250}},"medianMonthlyOwnerCostsUsd":{"all":1667,"withMortgage":2027,"withoutMortgage":638}},{"id":"37","name":"North Carolina","level":"state","status":"ok","ownerOccupiedUnits":2778672,"annualInsuranceCostUsd":{"withMortgage":{"households":1721752,"medianBand":[1000,1499],"medianEstimate":1250},"withoutMortgage":{"households":1056920,"medianBand":[800,999],"medianEstimate":900}},"medianMonthlyOwnerCostsUsd":{"all":1102,"withMortgage":1561,"withoutMortgage":471}}],"source":{"url":"https://data.census.gov/table/ACSDT5Y2023.B25141","name":"U.S. Census Bureau ACS 2023 5-year, tables B25141 and B25088","accessedAt":"2026-09-09T01:56:37.086Z"},"status":"ok","caveats":["Estimate, not a quote. Survey medians blend coverage amounts, deductibles, and construction types; a specific home can sit far from the median.","The top band ($4,000 or more) is open-ended; a median in that band is reported at its floor.","Rate filings can move premiums between survey vintages; the state overlay links the regulator's current figures where one is published."],"verifyNext":[{"url":"https://content.naic.org/publications","step":"Compare against the NAIC Homeowners Insurance Report state averages and, where linked, the state regulator's sample rates."}],"estimateBasis":"Median annual homeowners insurance cost band reported by owner-occupied households (ACS 2023 5-year table B25141), by mortgage status, at ZIP, county, and state level; plus median selected monthly owner costs (B25088). A survey median across all coverage levels and home sizes, lagging one to two years.","stateRateOverlay":{"url":"https://www.ncrb.org/ncrb/personal-lines/homeowners","name":"NC Rate Bureau homeowners filings","note":"Regulator-published sample rates for this state; Locus links the source rather than restating figures that change with each filing.","what":"statewide rate filings and effective dates"}}},"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_3NzLRMj5iScqbAYugzm9y","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":"Returns ACS 2023 median annual homeowners insurance cost bands by mortgage status and median monthly owner costs at the ZIP, county, and state level for a given US address.","exampleAgentPrompt":"What do homeowners typically pay for insurance around 742 Evergreen Terrace, Springfield, IL — broken down by mortgage status, and what are the median monthly owner costs for that ZIP and county?","exampleUseCases":[{"title":"Home purchase insurance cost research","prompt":"I'm considering buying a house at 4821 Oak Lane, Austin, TX 78745 — can you tell me what homeowners in that ZIP and county typically pay for insurance annually, and what the median monthly owner costs look like?"},{"title":"Real estate listing cost benchmarking","prompt":"I need insurance cost context for a property at 301 Pine Street, Denver, CO 80203 — what are the ACS median annual insurance cost bands and median monthly owner costs at the ZIP, county, and state level?"},{"title":"Mortgage underwriting owner cost check","prompt":"For a loan application on a property at 88 Harbor View Drive, Portland, ME 04101, what's the typical homeowners insurance cost in that county and state, broken down by whether owners have a mortgage or not?"}],"resultDescription":"Returns ACS 2023 survey-based median annual homeowners insurance cost bands segmented by mortgage status (with/without mortgage), median monthly owner costs, all reported at ZIP code, county, and state geographic levels, plus a link to the relevant state insurance regulator's sample-rate tool where available. Includes vintage metadata. This is a statistical estimate, not an insurance quote.","failureModes":["Address cannot be geocoded or resolved to a US ZIP/county — returns error or null geographic match","Address is outside the United States — endpoint is US-only","ACS data unavailable for very small or suppressed geographies — may return null for some levels","Malformed or too-short address string — validation error","Coordinates out of valid range — schema validation error"],"whenToPreferThis":"Use this endpoint when you need a data-backed, survey-based benchmark for what homeowners actually pay for insurance in a given area — not a live quote. Ideal for real estate research, mortgage underwriting context, property comparison, or informing buyers about typical owner costs before purchase. Prefer this over insurance quote APIs when you want aggregated cost context rather than personalized pricing, and over generic web search when you need structured, citable ACS-sourced data at multiple geographic levels.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-27T19:17:56.073Z","isFirstParty":false,"canonicalSlug":"locus-homeowners-insurance-cost-context-46092bda"}