{ "x402Version": 2, "id": 51430, "slug": "51430", "resource": "https://api.locus.report/api/locus-homeowners-insurance-context", "description": "ACS 2023 median annual homeowners-insurance cost band by mortgage status and median monthly owner costs at ZIP, county, and state, for agents. Returns the same records as locus_homeowners_insurance_context. Use this when your client can only call paid x402 routes. Use locus_homeowners_insurance_context instead when you can call Locus free tools (REST tools/call or MCP).", "type": "http", "resourceType": "MCP Tool", "accepts": [ { "scheme": "exact", "network": "eip155:8453", "payTo": "0xF121fbeceC43e1B616D47285851c20d5fC64431b", "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913", "amount": "10000", "amountUsd": 0.01, "maxTimeoutSeconds": 60 }, { "scheme": "exact", "network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp", "payTo": "FBVHMG5PTNW6sNd7uhZBsxhWkwJYRpgk34QcTgDpQdwV", "asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v", "amount": "10000", "amountUsd": 0.01, "maxTimeoutSeconds": 60 } ], "outputSchema": { "properties": { "example": { "type": "object" }, "type": { "type": "string" } }, "required": [ "type" ], "type": "object" }, "extensions": { "bazaar": { "info": { "input": { "body": { "address": "1 E Edenton St, Raleigh, NC 27601" }, "bodyType": "json", "method": "POST", "type": "http" }, "output": { "example": { "caveats": [ "Estimate, not a quote. Survey medians blend coverage amounts, deductibles, and construction types; a specific home can sit far from the median.", "The top band ($4,000 or more) is open-ended; a median in that band is reported at its floor.", "Rate filings can move premiums between survey vintages; the state overlay links the regulator's current figures where one is published." ], "estimateBasis": "Median annual homeowners insurance cost band reported by owner-occupied households (ACS 2023 5-year table B25141), by mortgage status, at ZIP, county, and state level; plus median selected monthly owner costs (B25088). 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Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.", "ok": true, "point": { "latitude": 35.780418000003195, "longitude": -78.63910200000142 }, "source": { "accessedAt": "2026-09-09T01:56:37.086Z", "name": "U.S. Census Bureau ACS 2023 5-year, tables B25141 and B25088", "url": "https://data.census.gov/table/ACSDT5Y2023.B25141" }, "stateRateOverlay": { "name": "NC Rate Bureau homeowners filings", "note": "Regulator-published sample rates for this state; Locus links the source rather than restating figures that change with each filing.", "url": "https://www.ncrb.org/ncrb/personal-lines/homeowners", "what": "statewide rate filings and effective dates" }, "status": "ok", "verifyNext": [ { "step": "Compare against the NAIC Homeowners Insurance Report state averages and, where linked, the state regulator's sample rates.", "url": "https://content.naic.org/publications" } ] }, "type": "json" } }, "schema": { "$schema": "https://json-schema.org/draft/2020-12/schema", "properties": { "input": { "additionalProperties": false, "properties": { "body": { "additionalProperties": false, "properties": { "address": { "maxLength": 200, "minLength": 5, "type": "string" }, "latitude": { "maximum": 90, "minimum": -90, "type": "number" }, "longitude": { "maximum": 180, "minimum": -180, "type": "number" } }, "type": "object" }, "bodyType": { "enum": [ "json", "form-data", "text" ], "type": "string" }, "method": { "enum": [ "POST", "PUT", "PATCH" ], "type": "string" }, "type": { "const": "http", "type": "string" } }, "required": [ "type", "method", "bodyType", "body" ], "type": "object" }, "output": { "properties": { "example": { "type": "object" }, "type": { "type": "string" } }, "required": [ "type" ], "type": "object" } }, "required": [ "input" ], "type": "object" } }, "builder-code": { "info": { "a": "bc_vz5zyuko" }, "schema": { "$schema": "https://json-schema.org/draft/2020-12/schema", "additionalProperties": false, "properties": { "a": { "description": "App builder code", "pattern": "^[a-z0-9_]{1,32}$", "type": "string" }, "s": { "description": "Service builder codes", "items": { "pattern": "^[a-z0-9_]{1,32}$", "type": "string" }, "maxItems": 11, "type": "array" }, "w": { "description": "Wallet builder code", "pattern": "^[a-z0-9_]{1,32}$", "type": "string" } }, "type": "object" } }, "locus.freePreflight": { "coverageBeforeCharge": true, "laneTool": "locus_lane_availability", "mcpUrl": "https://mcp.locus.report/mcp", "recommendedTool": "locus_coverage_check", "skillInstall": "npx @velinussage/locus-agent-skill add", "skillUrl": "https://api.locus.report/.well-known/skill.md", "toolsCallUrl": "https://api.locus.report/tools/call", "toolsListUrl": "https://api.locus.report/tools/list", "unsupportedReturnsFreeDiagnostic": true, "version": 2 }, "offer-receipt": { "info": { "offers": [ { "acceptIndex": 0, "format": "eip712", "payload": { "amount": "10000", "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913", "network": "eip155:8453", "payTo": "0xF121fbeceC43e1B616D47285851c20d5fC64431b", "resourceUrl": "https://api.locus.report/api/locus-homeowners-insurance-context", "scheme": "exact", "validUntil": 1790842619, "version": 1 }, "signature": "0x27fc62b93e8b96939dbd1a88a5c22b973bdee9906168e3b6771cce3a082c4750408647b212f36de65738cd0e81a0fae7e9ad8b8b6f0559ed33140e69c4fdf93e1c" } ] }, "schema": { "$schema": "https://json-schema.org/draft/2020-12/schema", "properties": { "offers": { "items": { "properties": { "acceptIndex": { "type": "integer" }, "format": { "type": "string" }, "payload": { "properties": { "amount": { "type": "string" }, "asset": { "type": "string" }, "network": { "type": "string" }, "payTo": { "type": "string" }, "resourceUrl": { "type": "string" }, "scheme": { "type": "string" }, "validUntil": { "type": "integer" }, "version": { "type": "integer" } }, "required": [ "version", "resourceUrl", "scheme", "network", "asset", "payTo", "amount" ], "type": "object" }, "signature": { "type": "string" } }, "required": [ "format", "signature" ], "type": "object" }, "type": "array" } }, "required": [ "offers" ], "type": "object" } } }, "tags": [ "bazaar", "builder-code", "locus.freePreflight", "offer-receipt" ], "sourceHost": "api.locus.report", "lastUpdated": "2026-10-01T08:15:59.304Z", "quality": { "calls30d": 3, "uniquePayers30d": 1, "lastCalledAt": "2026-10-01T08:15:59.143Z" }, "metadata": { "extensions": { "bazaar": { "info": { "input": { "body": { "address": "1 E Edenton St, Raleigh, NC 27601" }, "bodyType": "json", "method": "POST", "type": "http" }, "output": { "example": { "caveats": [ "Estimate, not a quote. 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Full briefs are x402-paid. 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