# Locus Homeowners Insurance Cost Context

> Locus Homeowners Insurance Cost Context is a paid API for AI agents from api.locus.report, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-13).

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.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-homeowners-insurance-context
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-homeowners-insurance-cost-context-46092bda
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_kyp7ZcTIW5i4EEy_Ce7fx

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 locus-homeowners-insurance-cost-context-46092bda -d '<json body>'
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

What homeowners pay for insurance around an address: ACS 2023 median annual cost band by mortgage status and median monthly owner costs at ZIP, county, and state, with the state regulator's sample-rate tool linked where published. Perfect for: 'typical home insurance cost in this county', 'owner cost benchmark for this ZIP'. Survey estimate with vintage, never a quote. National. Free at /tools/call.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 5
  },
  "latitude": {
   "type": "number",
   "maximum": 90,
   "minimum": -90
  },
  "longitude": {
   "type": "number",
   "maximum": 180,
   "minimum": -180
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "id": "locus_example",
  "caveats": [
   "Example artifact; not live data."
  ],
  "records": [],
  "generatedAt": "2026-01-01T00:00:00.000Z"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-homeowners-insurance-cost-context-46092bda/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)