{"uid":"cap_nhmGZWXapzMn-c4shj3Aa","slug":"policycheck-tools-67dead38","name":"PolicyCheck Premium Policy Risk Analysis","description":"PolicyCheck premium analysis — full risk assessment with detailed findings","url":"https://policycheck.tools/api/x402/analyze","method":"POST","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","bodyType","body","method"],"properties":{"body":{"properties":{"url":{"type":"string","description":"URL of a policy page to analyse"},"text":{"type":"string","description":"Raw policy/terms text to analyse"},"sellerUrl":{"type":"string","description":"Seller homepage URL — auto-discovers all policy pages"}}},"type":{"type":"string","const":"http"},"method":{"enum":["POST"],"type":"string"},"bodyType":{"enum":["json","form-data","text"],"type":"string"}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":null,"example":{"request":{"input":{"body":{"text":"HOMEOWNER'S INSURANCE POLICY\n\nPolicy Number: HO-2024-TEST\nEffective Date: January 1, 2024\nExpiration Date: December 31, 2024\n\nCOVERAGE LIMITS\nDwelling Coverage: $300,000\nPersonal Property: $150,000\nLiability Coverage: $300,000\nMedical Payments: $5,000\n\nDEDUCTIBLES\nStandard Deductible: $1,000\nWind/Hail Deductible: 5% of dwelling coverage\n\nCOVERED PERILS\n- Fire and smoke damage\n- Windstorm and hail\n- Theft and vandalism\n- Lightning\n- Weight of snow, ice, or sleet\n\nEXCLUSIONS\n- Flood damage\n- Earthquake\n- Wear and tear\n- Maintenance issues\n- Business activities\n\nCLAIMS PROCESS\nNotification required within 60 days of loss\nInsured must mitigate further damage\nInsurer reserves right to repair or replace\n\nPREMIUM AND RENEWAL\nAnnual Premium: $1,200\nRenewal: Automatic unless cancelled with 30 days notice\nNo coverage for claims filed after policy termination"},"type":"http","method":"POST","bodyType":"json"}},"response":{"payment":{"payer":"0x9CC42f3d9245B867ACccd630B43f906c1665b176","network":"eip155:8453","settled":true,"transaction":"0x33f3a5f6f2c28f0938e83ec9a403f449f0024640c960d76708c685cfffee55e5"},"analysis":{"flags":[],"clauses":[],"summary":"Strong buyer protections detected. No major red flags identified in this document","policies":{},"positives":[],"confidence":"high","seller_url":"direct text analysis","analyzed_at":"2026-06-12T01:55:35.452Z","fetch_method":"text_input","analysis_method":"regex_only","analysis_status":"text_provided"}}},"exampleRequest":{"text":"HOMEOWNER'S INSURANCE POLICY\n\nPolicy Number: HO-2024-TEST\nEffective Date: January 1, 2024\nExpiration Date: December 31, 2024\n\nCOVERAGE LIMITS\nDwelling Coverage: $300,000\nPersonal Property: $150,000\nLiability Coverage: $300,000\nMedical Payments: $5,000\n\nDEDUCTIBLES\nStandard Deductible: $1,000\nWind/Hail Deductible: 5% of dwelling coverage\n\nCOVERED PERILS\n- Fire and smoke damage\n- Windstorm and hail\n- Theft and vandalism\n- Lightning\n- Weight of snow, ice, or sleet\n\nEXCLUSIONS\n- Flood damage\n- Earthquake\n- Wear and tear\n- Maintenance issues\n- Business activities\n\nCLAIMS PROCESS\nNotification required within 60 days of loss\nInsured must mitigate further damage\nInsurer reserves right to repair or replace\n\nPREMIUM AND RENEWAL\nAnnual Premium: $1,200\nRenewal: Automatic unless cancelled with 30 days notice\nNo coverage for claims filed after policy termination"},"tags":["x402"],"displayCostAmount":"0.03","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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":"$0.03/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.03","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.03","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_IM4C2AHBx0IR2Dzr84uW0","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.03","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Performs a full risk assessment of an insurance or legal policy document, returning detailed findings and risk ratings","exampleAgentPrompt":"Can you run a full premium risk assessment on this homeowner's insurance policy and tell me all the detailed findings and red flags I should know about?","exampleUseCases":null,"resultDescription":"A comprehensive risk assessment report including detailed findings, identified risk factors, flagged clauses or provisions, and an overall risk evaluation of the submitted policy document.","failureModes":["Empty or unreadable policy content returns a validation error","Policy text too long or too short may be rejected","Malformed request body returns 400 error","Payment failure via x402 protocol returns 402 Payment Required","Server-side analysis failure returns 500 error","Unsupported policy format or language may yield incomplete results"],"whenToPreferThis":"Use this endpoint when you need a thorough, premium-tier policy risk analysis with detailed findings rather than a surface-level summary. Ideal for insurance policies, legal contracts, or similar documents where understanding specific risk clauses and a full risk breakdown is critical. Prefer this over lightweight checkers when completeness and detail of findings matter.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T00:33:05.859Z","isFirstParty":false}