Locus Homeowners Insurance Context

{
  "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). A survey median across all coverage levels and home sizes, lagging one to two years.",
  "geo": {
    "county": "Wake County",
    "state": "NC",
    "zip": "27601"
  },
  "kind": "homeowners_insurance_context",
  "levels": [
    {
      "annualInsuranceCostUsd": {
        "withMortgage": {
          "households": 895,
          "medianBand": [
            1000,
            1499
          ],
          "medianEstimate": 1250
        },
        "withoutMortgage": {
          "households": 289,
          "medianBand": [
            1000,
            1499
          ],
          "medianEstimate": 1250
        }
      },
      "id": "27601",
      "level": "zcta",
      "medianMonthlyOwnerCostsUsd": {
        "all": 2119,
        "withMortgage": 2382,
        "withoutMortgage": 575
      },
      "name": "ZCTA5 27601",
      "ownerOccupiedUnits": 1184,
      "status": "ok"
    },
    {
      "annualInsuranceCostUsd": {
        "withMortgage": {
          "households": 213356,
          "medianBand": [
            1000,
            1499
          ],
          "medianEstimate": 1250
        },
        "withoutMortgage": {
          "households": 73753,
          "medianBand": [
            1000,
            1499
          ],
          "medianEstimate": 1250
        }
      },
      "id": "37183",
      "level": "county",
      "medianMonthlyOwnerCostsUsd": {
        "all": 1667,
        "withMortgage": 2027,
        "withoutMortgage": 638
      },
      "name": "Wake County, North Carolina",
      "ownerOccupiedUnits": 287109,
      "status": "ok"
    },
    {
      "annualInsuranceCostUsd": {
        "withMortgage": {
          "households": 1721752,
          "medianBand": [
            1000,
            1499
          ],
          "medianEstimate": 1250
        },
        "withoutMortgage": {
          "households": 1056920,
          "medianBand": [
            800,
            999
          ],
          "medianEstimate": 900
        }
      },
      "id": "37",
      "level": "state",
      "medianMonthlyOwnerCostsUsd": {
        "all": 1102,
        "withMortgage": 1561,
        "withoutMortgage": 471
      },
      "name": "North Carolina",
      "ownerOccupiedUnits": 2778672,
      "status": "ok"
    }
  ],
  "note": "Awareness/diagnostic only. 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"
    }
  ]
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://api.locus.report/api/locus-homeowners-insurance-context' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"1 E Edenton St, Raleigh, NC 27601"}'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - -X POST 'https://api.locus.report/api/locus-homeowners-insurance-context' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"1 E Edenton St, Raleigh, NC 27601"}' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.01 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.01" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.01 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fapi.locus.report%2Fapi%2Flocus-homeowners-insurance-context&method=POST
const res = await pay("https://api.locus.report/api/locus-homeowners-insurance-context", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "address": "1 E Edenton St, Raleigh, NC 27601"
  }),
});
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.01 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.01"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.post(
        "https://api.locus.report/api/locus-homeowners-insurance-context",
        json={
            "address": "1 E Edenton St, Raleigh, NC 27601",
        },
    )
    print(res.status_code, res.text)