# InsurePulse Umbrella Insurance & Excess-Liability Calculator

> 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 2026-09-13).

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.

## Facts

- Endpoint: GET https://insurepulse.theaslangroupllc.com/api/insure/umbrella
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-umbrella-insurance-excess-liability-calculator-e882fd11
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_RCtKtbc3jOcGa9nBHPtb1

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability insurepulse-umbrella-insurance-excess-liability-calculator-e882fd11
```

Example prompt: We're a household of 4 in the United States with a net worth of about $800,000, two cars, and standard home and auto liability coverage — do we need umbrella insurance, how much coverage should we carry, and what would it cost us annually?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "lang": {
   "type": "string",
   "description": "Response language"
  },
  "net_worth": {
   "type": "string",
   "description": "Net worth USD"
  },
  "owns_home": {
   "type": "string",
   "description": "Owns home (yes/no)"
  },
  "situation": {
   "type": "string",
   "description": "Additional context"
  },
  "teen_drivers": {
   "type": "string",
   "description": "Teen drivers (yes/no)"
  },
  "rental_property": {
   "type": "string",
   "description": "Owns rental property (yes/no)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-umbrella-insurance-excess-liability-calculator-e882fd11/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from insurepulse.theaslangroupllc.com](https://www.zero.xyz/host/insurepulse.theaslangroupllc.com/llms.txt)