{"name":"home_insurance_estimator","title":"Home Insurance Premium Estimator","category":"finance","description":"Rule-of-thumb HO-3 annual/monthly premium from dwelling value, deductible, construction, and protection class. Not a quote.","price_usd":0.002,"input_schema":{"type":"object","properties":{"dwelling_value":{"type":"number","description":"Dwelling replacement cost USD","x-unit":"USD"},"deductible":{"type":"number","description":"Deductible USD (snaps to 500/1000/2500/5000; default 1000)","x-unit":"USD"},"construction":{"type":"string","description":"frame | masonry | fire_resistive (default masonry)","enum":["frame","masonry","fire_resistive"]},"protection_class":{"type":"string","description":"1-3 | 4-6 | 7-8 | 9-10 (default 4-6)","enum":["1-3","4-6","7-8","9-10"]},"claims_last_5_years":{"type":"integer","description":"Claim count in last 5 years (default 0)"},"personal_property_value":{"type":"number","description":"Contents value USD (default 50% of dwelling)","x-unit":"USD"},"liability_limit":{"type":"number","description":"Liability limit USD (default 300000)","x-unit":"USD"}},"additionalProperties":false,"required":["dwelling_value"]}}