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InsurePulse Umbrella Insurance & Excess-Liability Calculator
x402
InsurePulse Umbrella Insurance & Excess-Liability Calculator is a paid API for AI agents from insurepulse.theaslangroupllc.com, paid per call via x402, $0.08/call, status unknown (last checked 2026-10-30).
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.
Price / call$0.08
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
Umbrella insurance need assessment
“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?”
Excess liability coverage for rental properties
“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?”
High-net-worth asset protection planning
“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?”
Technical details
Endpoint
GEThttps://insurepulse.theaslangroupllc.com/api/insure/umbrella?utm_source=zero.xyzWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| properties | string |
Output
Schema · Response
{
"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."
}
}
}Tags
x402
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