v4

latestOpenAPI 3.1.02026-08-0421336267.5 KB

Quote Estimates

Instant Estimate

Instant estimate endpoint for high-volume requests.

Requires all properties to have complete address and property details:

Address: street_address, city, state, zip_code, county, lat, lng
Property Details: property_type, size_sqft, year_built

Optional primary_insured block prefills the downstream quote flow.

post/v1/quote/instant-estimate

Request body

utm_sourcestring nullable

Identifies the traffic source associated with the estimate request.

utm_mediumstring nullable

Identifies the marketing medium associated with the estimate request.

utm_campaignstring nullable

Identifies the campaign associated with the estimate request.

utm_contentstring nullable

Identifies the specific ad, placement, or experiment variant associated with the estimate request.

flow'default' | 'lender'

Quote flow that an estimate's start_url links to.

Example request

{
  "properties": [
    {
      "property_id": "1a5f56",
      "current_premium": 1994,
      "address": {
        "street_address": "4825 Mount Sinyala Crossover",
        "city": "Fort Wayne",
        "state": "IN",
        "zip_code": "46808",
        "county": "Alameda",
        "lat": 33.789177,
        "lng": -117.793104
      },
      "property_details": {
        "size_sqft": 1800,
        "year_built": 1980,
        "number_of_units": 1,
        "replacement_value": 125000,
        "stories": 2,
        "occupancy_type": "fix_and_flip"
      }
    }
  ],
  "primary_insured": {
    "first_name": "John",
    "last_name": "Smith",
    "email": "john.smith@example.com",
    "phone_number": "2605551234",
    "date_of_birth": "1985-06-15",
    "company_name": "Smith Property Management LLC",
    "mailing_address": {
      "street_address": "4825 Mount Sinyala Crossover",
      "city": "Fort Wayne",
      "state": "IN",
      "zip_code": "46808",
      "county": "Alameda",
      "lat": 33.789177,
      "lng": -117.793104
    }
  }
}

Response

Successful Response

Example response

{
  "estimates": [
    {
      "property_id": "1a5f56",
      "original_property": {
        "property_id": "1a5f56",
        "current_premium": 1994,
        "address": {
          "street_address": "4825 Mount Sinyala Crossover",
          "city": "Fort Wayne",
          "state": "IN",
          "zip_code": "46808",
          "county": "Alameda",
          "lat": 33.789177,
          "lng": -117.793104
        },
        "property_details": {
          "size_sqft": 1800,
          "year_built": 1980,
          "number_of_units": 1,
          "replacement_value": 125000,
          "stories": 2,
          "occupancy_type": "fix_and_flip",
          "rent": 2590,
          "occupancy": 100,
          "bedrooms": 3,
          "bathrooms": 2.5
        }
      },
      "savings": {
        "current_premium": 910,
        "lowest": 800,
        "savings": 110
      },
      "estimate": {
        "lowest": 800,
        "dp_1": 1000,
        "dp_3": 3000
      },
      "calculated_property": {
        "property_id": "1a5f56",
        "address": {
          "street_address": "4825 Mount Sinyala Crossover",
          "city": "Fort Wayne",
          "state": "IN",
          "zip_code": "46808",
          "county": "Alameda",
          "lat": 33.789177,
          "lng": -117.793104
        },
        "property_details": {
          "size_sqft": 1800,
          "year_built": 1980,
          "number_of_units": 1,
          "replacement_value": 125000,
          "land_value": 125000,
          "stories": 2,
          "bedrooms": 3,
          "bathrooms": 2.5
        }
      },
      "minimum_earned_premium_days": 90
    }
  ]
}