---
title: "Estimate annual umbrella insurance cost by limit and risk profile."
method: POST
path: "/api/agent/calculators/umbrella"
---

# Estimate annual umbrella insurance cost by limit and risk profile.

`POST /api/agent/calculators/umbrella`

## Request

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

Returns annual umbrella price bands for common coverage limits using ZIP-level eligibility and simple household risk counts. Use this before a full delegated umbrella quote when the user only needs directional pricing.

## Headers

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

## Request body

- UmbrellaCalculatorRequest
  - `antique_vehicles` integer
  - `at_fault_accidents` integer
  - `auto_count` integer
  - `drivers_over_70` integer
  - `drivers_under_22` integer
  - `jet_skis` integer
  - `large_watercraft` integer
  - `motorcycles` integer
  - `moving_violations` integer
  - `property_count` integer
  - `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)