{"uid":"cap_rJ6b6F3ATXqYUJN-3olmK","slug":"insurepulse-home-insurance-premium-estimator-coverage-gap-analyzer-b7fdca33","name":"InsurePulse Home Insurance Premium Estimator & Coverage Gap Analyzer","description":"Home insurance premium estimate and coverage gap analysis — homeowners coverage adequacy, flood and catastrophe exposure, carrier comparison, and a country-aware estimated annual premium range from public benchmarks. 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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":"0.1","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":"10.0000","medianCents":"10.0000","p90Cents":"10.0000","minCents":"10.0000","maxCents":"10.0000","p95Cents":"10.0000","sampleCount":1,"varies":false,"failureChargeRate":1},"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_dyB81Pw-dMQfDBietrdfP","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Estimates annual home insurance premiums and analyzes coverage gaps, flood/catastrophe exposure, and carrier options for any country using public benchmarks.","exampleAgentPrompt":"Can you give me a home insurance premium estimate and coverage gap analysis for a house in Austin, Texas valued at $450,000 with a current coverage limit of $380,000 — I want to know if I'm underinsured, my flood and catastrophe exposure, and how the annual premium compares to what similar carriers charge?","exampleUseCases":null,"resultDescription":"Returns an estimated annual home insurance premium range based on public benchmarks, a coverage adequacy assessment identifying gaps, flood and catastrophe exposure analysis, a carrier comparison overview, and country-aware premium benchmarks — all scoped to the provided property and coverage details.","failureModes":["Missing or invalid property location returns an error requiring a valid address or country","Unsupported or unrecognized country may result in limited benchmark data","Home value or coverage amount not provided may produce less precise gap analysis","Network or payment authorization failure returns a 402 or 5xx error"],"whenToPreferThis":"Use this endpoint when an agent needs a fast, location-aware home insurance premium estimate and coverage adequacy check for any country — especially for homebuyer agents evaluating insurance costs pre-purchase, or for consumers wanting to know if their existing policy has gaps relative to public benchmarks and carrier norms. Prefer this over generic financial calculators when the specific output needed is homeowners premium range, flood/cat exposure, and carrier comparison in one call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T00:31:55.798Z","isFirstParty":false,"canonicalSlug":"insurepulse-home-insurance-premium-estimator-coverage-gap-analyzer-b7fdca33"}