locus homeowners insurance context derived

{
  "input": {
    "body": {
      "address": "1 E Edenton St, Raleigh, NC 27601"
    },
    "type": "http",
    "method": "POST",
    "bodyType": "json"
  },
  "output": {
    "type": "json",
    "example": {
      "ok": true,
      "geo": {
        "zip": "27601",
        "state": "NC",
        "county": "Wake County"
      },
      "kind": "homeowners_insurance_context",
      "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.",
      "point": {
        "latitude": 35.780418000003195,
        "longitude": -78.63910200000142
      },
      "levels": [
        {
          "id": "27601",
          "name": "ZCTA5 27601",
          "level": "zcta",
          "status": "ok",
          "ownerOccupiedUnits": 1184,
          "annualInsuranceCostUsd": {
            "withMortgage": {
              "households": 895,
              "medianBand": [
                1000,
                1499
              ],
              "medianEstimate": 1250
            },
            "withoutMortgage": {
              "households": 289,
              "medianBand": [
                1000,
                1499
              ],
              "medianEstimate": 1250
            }
          },
          "medianMonthlyOwnerCostsUsd": {
            "all": 2119,
            "withMortgage": 2382,
            "withoutMortgage": 575
          }
        },
        {
          "id": "37183",
          "name": "Wake County, North Carolina",
          "level": "county",
          "status": "ok",
          "ownerOccupiedUnits": 287109,
          "annualInsuranceCostUsd": {
            "withMortgage": {
              "households": 213356,
              "medianBand": [
                1000,
                1499
              ],
              "medianEstimate": 1250
            },
            "withoutMortgage": {
              "households": 73753,
              "medianBand": [
                1000,
                1499
              ],
              "medianEstimate": 1250
            }
          },
          "medianMonthlyOwnerCostsUsd": {
            "all": 1667,
            "withMortgage": 2027,
            "withoutMortgage": 638
          }
        },
        {
          "id": "37",
          "name": "North Carolina",
          "level": "state",
          "status": "ok",
          "ownerOccupiedUnits": 2778672,
          "annualInsuranceCostUsd": {
            "withMortgage": {
              "households": 1721752,
              "medianBand": [
                1000,
                1499
              ],
              "medianEstimate": 1250
            },
            "withoutMortgage": {
              "households": 1056920,
              "medianBand": [
                800,
                999
              ],
              "medianEstimate": 900
            }
          },
          "medianMonthlyOwnerCostsUsd": {
            "all": 1102,
            "withMortgage": 1561,
            "withoutMortgage": 471
          }
        }
      ],
      "source": {
        "url": "https://data.census.gov/table/ACSDT5Y2023.B25141",
        "name": "U.S. Census Bureau ACS 2023 5-year, tables B25141 and B25088",
        "accessedAt": "2026-09-09T01:56:37.086Z"
      },
      "status": "ok",
      "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."
      ],
      "verifyNext": [
        {
          "url": "https://content.naic.org/publications",
          "step": "Compare against the NAIC Homeowners Insurance Report state averages and, where linked, the state regulator's sample rates."
        }
      ],
      "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.",
      "stateRateOverlay": {
        "url": "https://www.ncrb.org/ncrb/personal-lines/homeowners",
        "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.",
        "what": "statewide rate filings and effective dates"
      }
    }
  }
}