---
title: "Estimate homeowners insurance cost from ZIP, square footage, and risk factors."
method: POST
path: "/api/agent/calculators/home"
---

# Estimate homeowners insurance cost from ZIP, square footage, and risk factors.

`POST /api/agent/calculators/home`

## Request

- Base URL: `https://api.coveragecat.com`
- URL: `https://api.coveragecat.com/api/agent/calculators/home`
- Auth: HTTP bearer

Returns a read-only California homeowners premium range plus ZIP risk context and available risk-factor metadata for the supplied property profile. Use this for directional planning, not binding quote decisions.

## Headers

- `Coverage-Cat-API-Version` 'v1'
- `Idempotency-Key` string

## Request body

- HomeCalculatorRequest
  - `home_sqft` integer, required
  - `risk_factors` string[]: Optional risk factor IDs returned by available_risk_factors.
  - `zip` string, required

## Response `200`

Calculator result.

- CalculatorResponse: Read-only calculator response. Shape varies by calculator.

## Other responses

- `400`: Invalid calculator input.
- `401`: Invalid or missing API key.
- `429`: Calculator/tool request rate limit exceeded.

---

[API](https://skmtc.dev/coveragecat/apis/coverage-cat-delegated-insurance-purchase-apis.md) · [All operations](https://skmtc.dev/coveragecat/apis/coverage-cat-delegated-insurance-purchase-apis/llms.txt) · [OpenAPI document](https://skmtc.dev/coveragecat/apis/coverage-cat-delegated-insurance-purchase-apis/revisions/b80fe29790dc?raw)