# Saylor Innovations Property Coinsurance Calculator

> Saylor Innovations Property Coinsurance Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-17).

Calculates insurance coinsurance payout based on property value, required coinsurance percentage, coverage carried, loss amount, and deductible

## Facts

- Endpoint: GET https://saylorinnovations.com/api/insurance/coinsurance?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-17
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-property-coinsurance-calculator-8f23ea22
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DCmMPVyYqFf6ttzzSq32i

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 saylor-innovations-property-coinsurance-calculator-8f23ea22
```

Example prompt: I have a commercial property worth $2,000,000 with an 80% coinsurance requirement. I'm carrying $1,400,000 in coverage, suffered a $300,000 loss, and have a $10,000 deductible — how much will my insurance actually pay out?

## When to prefer this

Use this endpoint when you need a quick, formula-based coinsurance payout calculation for property insurance scenarios without needing to integrate a full insurance rating engine. It is ideal for agents helping users understand underinsurance penalties, advisors running what-if coverage scenarios, or applications that need to surface coinsurance math in a structured, machine-readable format. Prefer this over manual calculation or general-purpose math tools when you need the coinsurance formula, ratio, gross covered loss, and payout all returned together in one call.

## Known failure modes

- Missing required query parameters (property_value, required_percent, coverage, loss, deductible) returns a validation error
- Non-numeric or negative values for monetary fields cause a 400 bad request
- Required percent outside 1–100 range triggers a validation error
- Deductible exceeding gross covered loss may produce a $0 payout result
- Network timeout or 5xx if the upstream service is unavailable

## How this service works

Property coinsurance calculator from value, required percentage, coverage carried, loss and deductible

## Output

Returns a JSON object with the original inputs (property value, required percent, coverage carried, loss amount, deductible), computed fields including required coverage, coinsurance ratio, gross covered loss, and estimated payout, plus the formula used and a scope note explaining what the calculation covers and excludes.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "property_value",
      "required_percent",
      "coverage",
      "loss",
      "deductible"
     ],
     "properties": {
      "loss": {
       "type": "string",
       "description": "required positive loss amount (query)"
      },
      "coverage": {
       "type": "string",
       "description": "required positive coverage carried (query)"
      },
      "deductible": {
       "type": "string",
       "description": "required non-negative deductible (query)"
      },
      "property_value": {
       "type": "string",
       "description": "required positive property value (query)"
      },
      "required_percent": {
       "type": "string",
       "description": "required coinsurance percentage from 1 to 100 (query)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "property_value",
      "required_percent",
      "required_coverage",
      "coverage_carried",
      "loss_amount",
      "estimated_payout",
      "scope_note"
     ],
     "properties": {
      "formula": {
       "type": "string",
       "description": "Formula used for the calculation"
      },
      "deductible": {
       "type": "number",
       "description": "Deductible amount"
      },
      "scope_note": {
       "type": "string",
       "description": "What this data covers and what it leaves out"
      },
      "loss_amount": {
       "type": "number",
       "description": "Loss amount"
      },
      "property_value": {
       "type": "number",
       "description": "Property value"
      },
      "coverage_carried": {
       "type": "number",
       "description": "Coverage carried"
      },
      "estimated_payout": {
       "type": "number",
       "description": "Estimated payout"
      },
      "required_percent": {
       "type": "number",
       "description": "Required, as a percentage"
      },
      
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-property-coinsurance-calculator-8f23ea22/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)