Coverage Cat
REMOTE · WWW.COVERAGECAT.COM
Get umbrella and homeowners insurance quotes, select a policy, and bind coverage.
Available components
Last scanned (18 hours ago)
Scores higher than 59% of remote servers
Reachable. Last reached 22 Oct 2026.
Category Finance and Payments
Recent critical change
Authorization (20 Oct 2026). See the changelog before you install this server.
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation check failed: no authorisation is required to call this server, and it exposes a tool marked destructive (consumer_intake_patch). See how to fix → View diagnostics → Fail
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability77
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 9413 tokens (~213/item across 44 items; 23 tools + 21 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management17
- Stability observed for 5 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 23 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 25 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
- Supports UI / widget rendering.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 21 Oct 26 +1
- Tool “auto_estimates” rewrote its description, which is the text the model reads security
- Tool “collision_and_comprehensive_coverage” rewrote its description, which is the text the model reads security
- Tool “docs_search” rewrote its description, which is the text the model reads security
- Tool “file_a_claim” rewrote its description, which is the text the model reads security
- Tool “homeowners_agent_finder” rewrote its description, which is the text the model reads security
- Resource “Auto claim cost calculator” was removed ▼ functional
- New resource “Auto claim filing break-even calculator” functional
- “auto_estimates” reworded the description of “age” cosmetic
- “auto_estimates” reworded the description of “collision_deductible” cosmetic
- “auto_estimates” reworded the description of “comprehensive_deductible” cosmetic
- “auto_estimates” reworded the description of “gender” cosmetic
- “auto_estimates” reworded the description of “year” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “age” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “collision_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “comprehensive_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “gender” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “year” cosmetic
- “consumer_intake_patch” reworded the description of “field_estimates” cosmetic
- “consumer_intake_patch” reworded the description of “idempotency_key” cosmetic
- “docs_list_topics” reworded the description of “category” cosmetic
- “docs_list_topics” reworded the description of “limit” cosmetic
- “docs_search” reworded the description of “limit” cosmetic
- “file_a_claim” reworded the description of “age” cosmetic
- “file_a_claim” reworded the description of “collision_deductible” cosmetic
- “file_a_claim” reworded the description of “comprehensive_deductible” cosmetic
- “file_a_claim” reworded the description of “gender” cosmetic
- “file_a_claim” reworded the description of “year” cosmetic
- “homeowners_agent_finder” reworded the description of “limit” cosmetic
- “homeowners_agent_finder” reworded the description of “lines” cosmetic
- “homeowners_consumer_bind” reworded the description of “bind_confirmed” cosmetic
- “homeowners_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_prefill” reworded the description of “credit_consent_pending” cosmetic
- “homeowners_consumer_prefill” reworded the description of “field_estimates” cosmetic
- “homeowners_consumer_prefill” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_select” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_select” reworded the description of “selection_confirmed” cosmetic
- “homeowners_consumer_service” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_service” reworded the description of “request_type” cosmetic
- “homeowners_consumer_service” reworded the description of “requested_effective_date” cosmetic
- “umbrella_calculator” reworded the description of “at_fault_accidents” cosmetic
- “umbrella_calculator” reworded the description of “moving_violations” cosmetic
- “umbrella_consumer_attach” reworded the description of “content” cosmetic
- “umbrella_consumer_attach” reworded the description of “filename” cosmetic
- “umbrella_consumer_attach” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_attach” reworded the description of “type” cosmetic
- “umbrella_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_payment” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_payment” reworded the description of “payment_collection_requested” cosmetic
- “umbrella_consumer_prefill” reworded the description of “credit_consent_pending” cosmetic
- “umbrella_consumer_prefill” reworded the description of “field_estimates” cosmetic
- “umbrella_consumer_prefill” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_select” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_select” reworded the description of “selection_confirmed” cosmetic
- “umbrella_consumer_service” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_service” reworded the description of “request_type” cosmetic
- “umbrella_consumer_service” reworded the description of “requested_effective_date” cosmetic
- Tool “consumer_intake_issues” changed its title: Consumer intake follow-up status → Get consumer intake status cosmetic
- Tool “file_a_claim” changed its title: Auto claim cost calculator → Auto claim filing break-even calculator cosmetic
- Tool “homeowners_consumer_prefill” changed its title: Homeowners consumer prefill handoff → Start homeowners application cosmetic
- Tool “homeowners_consumer_service” changed its title: Request homeowners policy service → Preview or open homeowners service request cosmetic
- Tool “umbrella_consumer_service” changed its title: Request umbrella policy service → Preview or open umbrella service request cosmetic
- 20 Oct 26 −5
We did not load change detail this far back for this component, so this day may have recorded more than is shown.
- Authorization: partial → fail ▼ critical
- Tool “auto_estimates” rewrote its description, which is the text the model reads security
- Tool “collision_and_comprehensive_coverage” rewrote its description, which is the text the model reads security
- Tool “consumer_intake_issues” rewrote its description, which is the text the model reads security
- Tool “consumer_intake_patch” rewrote its description, which is the text the model reads security
- Tool “docs_get_resource” rewrote its description, which is the text the model reads security
- Tool “docs_list_topics” rewrote its description, which is the text the model reads security
- Tool “docs_search” rewrote its description, which is the text the model reads security
- Tool “file_a_claim” rewrote its description, which is the text the model reads security
- Tool “home_calculator” rewrote its description, which is the text the model reads security
- Tool “homeowners_agent_finder” rewrote its description, which is the text the model reads security
- Tool “homeowners_consumer_bind” rewrote its description, which is the text the model reads security
- Tool “umbrella_calculator” rewrote its description, which is the text the model reads security
- Tool “consumer_intake_patch” is now declared destructive security
- Tool “homeowners_consumer_bind” is now declared destructive security
- Tool “homeowners_consumer_select” is now declared destructive security
- Tool “homeowners_consumer_service” is now declared destructive security
- Tool “umbrella_consumer_attach” is now declared destructive security
- Tool “umbrella_consumer_bind” is now declared destructive security
- Tool “umbrella_consumer_payment” is now declared destructive security
- Schema quality: 163 → 196 ▼ functional
- Tool coverage: 61% → 100% ▲ functional
- Tool coverage: 47% → 100% ▲ functional
- Tool “auto_estimates” now declares an output schema ▲ functional
- Tool “collision_and_comprehensive_coverage” now declares an output schema ▲ functional
- Tool “docs_get_resource” now declares an output schema ▲ functional
- Tool “docs_list_topics” now declares an output schema ▲ functional
- Tool “docs_search” now declares an output schema ▲ functional
- Tool “file_a_claim” now declares an output schema ▲ functional
- Tool “home_calculator” now declares an output schema ▲ functional
- Tool “homeowners_agent_finder” now declares an output schema ▲ functional
- Tool “umbrella_calculator” now declares an output schema ▲ functional
- Schema quality: good → excellent functional
- “auto_estimates” reworded the description of “age” cosmetic
- “auto_estimates” reworded the description of “collision_deductible” cosmetic
- “auto_estimates” reworded the description of “comprehensive_deductible” cosmetic
- “auto_estimates” reworded the description of “gender” cosmetic
- “auto_estimates” reworded the description of “make” cosmetic
- “auto_estimates” reworded the description of “model” cosmetic
- “auto_estimates” reworded the description of “seed” cosmetic
- “auto_estimates” reworded the description of “state” cosmetic
- “auto_estimates” reworded the description of “style” cosmetic
- “auto_estimates” reworded the description of “year” cosmetic
- “auto_estimates” reworded the description of “zip” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “age” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “collision_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “comprehensive_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “gender” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “make” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “model” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “seed” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “state” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “style” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “year” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “zip” cosmetic
- “consumer_intake_issues” reworded the description of “intake_access_token” cosmetic
- “consumer_intake_issues” reworded the description of “uid” cosmetic
- “consumer_intake_patch” reworded the description of “field_estimates” cosmetic
- “consumer_intake_patch” reworded the description of “idempotency_key” cosmetic
- “consumer_intake_patch” reworded the description of “intake” cosmetic
- “consumer_intake_patch” reworded the description of “intake_access_token” cosmetic
- “consumer_intake_patch” reworded the description of “reply_to_message_id” cosmetic
- “consumer_intake_patch” reworded the description of “uid” cosmetic
- “docs_list_topics” reworded the description of “category” cosmetic
- “docs_list_topics” reworded the description of “limit” cosmetic
- “docs_search” reworded the description of “limit” cosmetic
- “docs_search” reworded the description of “query” cosmetic
- “file_a_claim” reworded the description of “age” cosmetic
- “file_a_claim” reworded the description of “collision_deductible” cosmetic
- “file_a_claim” reworded the description of “comprehensive_deductible” cosmetic
- “file_a_claim” reworded the description of “gender” cosmetic
- “file_a_claim” reworded the description of “make” cosmetic
- “file_a_claim” reworded the description of “model” cosmetic
- “file_a_claim” reworded the description of “repair_estimate” cosmetic
- “file_a_claim” reworded the description of “seed” cosmetic
- “file_a_claim” reworded the description of “state” cosmetic
- “file_a_claim” reworded the description of “style” cosmetic
- “file_a_claim” reworded the description of “year” cosmetic
- “file_a_claim” reworded the description of “zip” cosmetic
- “home_calculator” reworded the description of “home_sqft” cosmetic
- “home_calculator” reworded the description of “risk_factors” cosmetic
- “home_calculator” reworded the description of “zip” cosmetic
- “homeowners_agent_finder” reworded the description of “limit” cosmetic
- “homeowners_agent_finder” reworded the description of “lines” cosmetic
- “homeowners_agent_finder” reworded the description of “zip” cosmetic
- “homeowners_consumer_bind” reworded the description of “bind_confirmed” cosmetic
- “homeowners_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_bind” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_bind” reworded the description of “preview_token” cosmetic
- “homeowners_consumer_bind” reworded the description of “uid” cosmetic
- “homeowners_consumer_policy” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_policy” reworded the description of “uid” cosmetic
- “homeowners_consumer_prefill” reworded the description of “credit_consent_pending” cosmetic
- “homeowners_consumer_prefill” reworded the description of “field_estimates” cosmetic
- “homeowners_consumer_prefill” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_prefill” reworded the description of “intake” cosmetic
- “homeowners_consumer_select” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_select” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_select” reworded the description of “selection_confirmed” cosmetic
- “homeowners_consumer_select” reworded the description of “selection_token” cosmetic
- “homeowners_consumer_select” reworded the description of “uid” cosmetic
- “homeowners_consumer_service” reworded the description of “confirm_request” cosmetic
- “homeowners_consumer_service” reworded the description of “details” cosmetic
- “homeowners_consumer_service” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_service” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_service” reworded the description of “request_type” cosmetic
- “homeowners_consumer_service” reworded the description of “requested_effective_date” cosmetic
- “umbrella_calculator” reworded the description of “antique_vehicles” cosmetic
- “umbrella_calculator” reworded the description of “at_fault_accidents” cosmetic
- “umbrella_calculator” reworded the description of “auto_count” cosmetic
- “umbrella_calculator” reworded the description of “drivers_over_70” cosmetic
- “umbrella_calculator” reworded the description of “drivers_under_22” cosmetic
- “umbrella_calculator” reworded the description of “jet_skis” cosmetic
- “umbrella_calculator” reworded the description of “large_watercraft” cosmetic
- “umbrella_calculator” reworded the description of “motorcycles” cosmetic
- “umbrella_calculator” reworded the description of “moving_violations” cosmetic
- “umbrella_calculator” reworded the description of “property_count” cosmetic
- “umbrella_calculator” reworded the description of “zip” cosmetic
- “umbrella_consumer_attach” reworded the description of “content” cosmetic
- “umbrella_consumer_attach” reworded the description of “filename” cosmetic
- “umbrella_consumer_attach” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_attach” reworded the description of “intake_access_token” cosmetic
- “umbrella_consumer_attach” reworded the description of “type” cosmetic
- “umbrella_consumer_attach” reworded the description of “uid” cosmetic
- “umbrella_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_bind” reworded the description of “intake” cosmetic
- “umbrella_consumer_bind” reworded the description of “intake_access_token” cosmetic
- “umbrella_consumer_bind” reworded the description of “uid” cosmetic
- “umbrella_consumer_payment” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_payment” reworded the description of “intake_access_token” cosmetic
- Tool “consumer_intake_patch” changed its title: Consumer intake patch and submit → Update consumer intake cosmetic
- Tool “file_a_claim” changed its title: File a claim calculator → Auto claim cost calculator cosmetic
- Tool “homeowners_consumer_bind” changed its title: Homeowners consumer bind continuation → Confirm homeowners bind cosmetic
- Tool “homeowners_consumer_policy” changed its title: Homeowners consumer policy record → Get homeowners policy cosmetic
- Tool “homeowners_consumer_service” changed its title: Homeowners consumer policy service request → Request homeowners policy service cosmetic
- Tool “umbrella_consumer_bind” changed its title: Umbrella consumer bind continuation → Continue umbrella bind cosmetic
- Tool “umbrella_consumer_payment” changed its title: Umbrella consumer payment collection → Collect umbrella payment cosmetic
- Tool “umbrella_consumer_policy” changed its title: Umbrella consumer policy record → Get umbrella policy cosmetic
- 19 Oct 26 +1
We did not load change detail this far back for this component, so this day may have recorded more than is shown.
- 18 Oct 26 +7
We did not load change detail this far back for this component, so this day may have recorded more than is shown.
- 17 Oct 26 65
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 22 Oct 2026 · Probed https://www.coveragecat.com/api/consumer/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=coveragecat.com | CN=Amazon RSA 2048 M04,O=Amazon,C=US | 27 Jun 2026 | 10 Jan 2027 | RSA 2048 | SHA256-RSA | a77c3fdb33cd606c9319433f007a0ec |
| SANs: coveragecat.com, www.coveragecat.com, app.coveragecat.com | ||||||
| CN=Amazon RSA 2048 M04,O=Amazon,C=US (CA) | CN=Amazon Root CA 1,O=Amazon,C=US | 23 Aug 2022 | 23 Aug 2030 | RSA 2048 | SHA256-RSA | 773124f2a952e3ed18a58bdb85d1bc0ce5f27 |
| CN=Amazon Root CA 1,O=Amazon,C=US (CA) | CN=Starfield Services Root Certificate Authority - G2,O=Starfield Technologies\, Inc.,L=Scottsdale,ST=Arizona,C=US | 25 May 2015 | 31 Dec 2037 | RSA 2048 | SHA256-RSA | 67f944a2a27cdf3fac2ae2b01f908eeb9c4c6 |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of www.coveragecat.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| coveragecat.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://www.coveragecat.com/api/consumer/mcp | Verified | 200 | |
| http (plaintext) | http://www.coveragecat.com/api/consumer/mcp | HTTPS enforced | 301 | https://www.coveragecat.com:443/api/consumer/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
auto_estimates Auto insurance estimates ~357
Estimate monthly auto premiums for one driver and vehicle profile across several carriers. Returns each carrier's id, name, and monthly premium spread (lowest, lower, median, upper, and highest modeled premium) in US dollars, plus the normalized inputs the model used. These are model estimates for research, not bindable quotes.
| Name | Type | Req | Description |
|---|---|---|---|
| age | integer | yes | Age in years of the driver being priced; the model converts it to a birth year. |
| collision_deductible | integer | – | Dollars the driver pays toward a collision repair before collision coverage pays the rest. Omitted means $1,000. |
| comprehensive_deductible | integer | – | Dollars the driver pays toward non-collision damage, such as theft, hail, or vandalism, before comprehensive coverage pays the rest. Omitted means $1,000. |
| gender | string | yes | Driver gender code the pricing model rates on: `M` for male, `F` for female, or `N` when not specified. |
| make | string | – | Vehicle manufacturer, such as `Toyota` or `Honda`. |
| model | string | – | Vehicle model, such as `Camry` or `Civic`. |
| seed | integer | – | Optional deterministic seed for the estimate sample when a caller wants stable repeat runs. |
| state | string | yes | Two-letter state code for the garaging address or rating state. |
| style | string | – | Vehicle trim, body style, or submodel when you want to narrow the vehicle match. |
| year | integer | – | Vehicle model year. With make and model it prices a specific car; omit it to price a generic vehicle instead. |
| zip | string | yes | ZIP code for the driver or garaging location being priced. |
| Name | Type | Req | Description |
|---|---|---|---|
| carriers | array | yes | One estimate per carrier the model could price. |
| disclaimer | string | yes | Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. |
| estimate_unit | string | yes | Unit of the monthly premium spreads: `monthly_premium_usd`. |
| inputs | object | yes | Driver, vehicle, and deductible values the model used, with defaults filled in for omitted inputs. |
No examples provided.
collision_and_comprehensive_coverage Collision and comprehensive coverage calculator ~370
Estimate what collision and comprehensive coverage cost for one driver and vehicle profile, to help decide whether to carry them. Returns monthly premium spreads in US dollars with no physical-damage coverage, collision only, and both, plus collision-only and both after one claim, and cumulative premium projections for each coverage option over projection_years. These are model estimates, not bindable quotes.
| Name | Type | Req | Description |
|---|---|---|---|
| age | integer | yes | Age in years of the driver being priced; the model converts it to a birth year. |
| collision_deductible | integer | – | Dollars the driver pays toward a collision repair before collision coverage pays the rest. Omitted means $1,000. |
| comprehensive_deductible | integer | – | Dollars the driver pays toward non-collision damage, such as theft, hail, or vandalism, before comprehensive coverage pays the rest. Omitted means $1,000. |
| gender | string | yes | Driver gender code the pricing model rates on: `M` for male, `F` for female, or `N` when not specified. |
| make | string | – | Vehicle manufacturer, such as `Toyota` or `Honda`. |
| model | string | – | Vehicle model, such as `Camry` or `Civic`. |
| seed | integer | – | Optional deterministic seed for the estimate sample when a caller wants stable repeat runs. |
| state | string | yes | Two-letter state code for the garaging address or rating state. |
| style | string | – | Vehicle trim, body style, or submodel when you want to narrow the vehicle match. |
| year | integer | – | Vehicle model year. With make and model it prices a specific car; omit it to price a generic vehicle instead. |
| zip | string | yes | ZIP code for the driver or garaging location being priced. |
| Name | Type | Req | Description |
|---|---|---|---|
| cumulative_annual_scenarios | array | yes | Running premium totals for the without, collision-only, and both coverage options. |
| disclaimer | string | yes | Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. |
| estimate_unit | string | yes | Unit of the monthly premium spreads: `monthly_premium_usd`. |
| inputs | object | yes | Driver, vehicle, and deductible values the model used, with defaults filled in for omitted inputs. |
| monthly_estimates | object | yes | Monthly premium spread for each coverage scenario. |
| projection_years | integer | yes | Number of years the cumulative projections cover. |
No examples provided.
consumer_intake_issues Get consumer intake status ~413
Continue a consumer-prefill homeowners or umbrella handoff in chat. Returns the intake's status and detail_status, whether the application is submitted, the staged review and next_question, quoted offers with their selection_token, and any post-choose, payment, policy, or conversation state. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the default consumer-operated subset and, before submission, say explicitly that the application is not submitted yet. For homeowners, treat `missing_fields` as hidden enrichment backlog, keep recovering context-backed facts, reserve one final review turn, and use `consumer_intake_patch` with `message_reply` when `conversation.reply_pending` surfaces insurer or shopper follow-up. For umbrella, keep missing fields hidden until Coverage Cat stages the single pre-submit review turn, then ask only for the explicitly missing shopper-owned fields in `next_question` and invite corrections instead of re-keying reviewed values. Coverage Cat will not resume or expose a prior consumer umbrella draft based on email alone. Continue an existing consumer draft only through the issued uid plus the current hidden MCP session or latest intake_access_token handoff. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD before you patch Coverage Cat.
| Name | Type | Req | Description |
|---|---|---|---|
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
consumer_intake_patch Update consumer intake ~624
Patch or submit a consumer-prefill homeowners or umbrella handoff in chat. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the default consumer-operated subset. For homeowners, use `intake` to add context-backed or property-backed answers while keeping the user out of a questionnaire until the one-time review, and after submission use `message_reply` plus optional `reply_to_message_id` for insurer or shopper follow-up surfaced under `conversation.messages`. For umbrella, use the staged review turn to send only explicitly missing shopper-owned details plus corrections, set `confirm_submission` only on that final review confirmation, do not send vehicles rows on this pre-submit patch, and do not ask for umbrella credit consent here. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD, and tell the shopper the application is not submitted yet until you actually submit it. Returns the same follow-up payload as `consumer_intake_issues` for the updated intake.
| Name | Type | Req | Description |
|---|---|---|---|
| confirm_submission | boolean | – | Set true only on the single final review turn. |
| field_estimates | array | – | Umbrella provenance for values in this same patch that you inferred rather than heard from the shopper, one row per inferred value. Add rows only when you are certain each field path matches a curren… |
| idempotency_key | string | – | Key you generate to identify one logical consumer_intake_patch request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to get… |
| intake | object | – | Top-level intake edits. For umbrella, send only missing shopper-owned details, corrections, or canonical umbrella count fixes such as umbrella_details.motorized_vehicle_count. Do not send vehicles ro… |
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| message_reply | string | – | Homeowners post-submit only. Send the reply text Coverage Cat should deliver in-thread when consumer_intake_issues surfaced an insurer or shopper follow-up under conversation.messages. |
| reply_to_message_id | integer | – | Homeowners post-submit message_id from conversation.messages[] that message_reply answers in-thread, when Coverage Cat returned a specific message to reply to. |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
docs_get_resource Coverage Cat docs resource reader ~74
Read one Coverage Cat docs resource by URI from the default consumer MCP and return its URI, public href (null when it has no public page), MIME type, and full markdown, JSON, or YAML text.
| Name | Type | Req | Description |
|---|---|---|---|
| uri | string | yes | A coveragecat:// or ui:// resource URI from docs_list_topics or docs_search. |
| Name | Type | Req | Description |
|---|---|---|---|
| href | string|null | yes | Public web URL for the same content, or null when the resource has no public page. |
| mime_type | string | yes | Format of text, such as `text/markdown`, `application/json`, or `text/yaml`. |
| text | string | yes | The full resource body in mime_type format. |
| uri | string | yes | The resource URI that was read. |
No examples provided.
docs_list_topics Coverage Cat docs topic index ~128
List Coverage Cat documentation topics from the same consumer MCP connection and return each topic's title, category, URI, MIME type, summary, and public href.
| Name | Type | Req | Description |
|---|---|---|---|
| category | string | – | Docs category to browse: `developers` for guides such as quickstart, auth, sandbox, and MCP setup, `api` for discovery and OpenAPI documents, `skills` for runtime skill guides, or `all`. Omit it to b… |
| limit | integer | – | How many topics to return from the start of the filtered catalog. Omit it to get up to 25. |
| Name | Type | Req | Description |
|---|---|---|---|
| category | string | yes | Category filter that was applied. |
| topics | array | yes | Topics in catalog order. |
| total | integer | yes | Number of topics in this response after limit, not the size of the whole catalog. |
No examples provided.
docs_search Coverage Cat docs search ~133
Search quickstart, auth, sandbox, OpenAPI, and runtime skill docs on this consumer MCP connection. Topics are ranked by how many query words appear in their title, summary, URI, or category; each match carries its title, category, URI, MIME type, summary, and public href, and an empty matches list means no topic contains any query word. Pass a match's uri to docs_get_resource to read it.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | How many of the best-ranked topics to return. Omit it to get the top 5. |
| query | string | yes | Search terms describing the documentation need. |
| Name | Type | Req | Description |
|---|---|---|---|
| matches | array | yes | Matching topics, best match first. |
| query | string | yes | The search query after trimming whitespace. |
| total | integer | yes | Number of matches in this response after limit, not every topic that matched. |
No examples provided.
file_a_claim Auto claim filing break-even calculator ~397
Estimate whether filing an auto collision claim costs more than paying for the repair yourself. Returns monthly premium spreads with and without one claim, the monthly and multi-year premium increase, the collision deductible, the total cost of filing (deductible plus premium increase), and a file_claim or pay_out_of_pocket recommendation with the estimated savings. These are model estimates, not carrier quotes.
| Name | Type | Req | Description |
|---|---|---|---|
| age | integer | yes | Age in years of the driver being priced; the model converts it to a birth year. |
| collision_deductible | integer | – | Dollars the driver pays toward a collision repair before collision coverage pays the rest. Omitted means $1,000. |
| comprehensive_deductible | integer | – | Dollars the driver pays toward non-collision damage, such as theft, hail, or vandalism, before comprehensive coverage pays the rest. Omitted means $1,000. |
| gender | string | yes | Driver gender code the pricing model rates on: `M` for male, `F` for female, or `N` when not specified. |
| make | string | – | Vehicle manufacturer, such as `Toyota` or `Honda`. |
| model | string | – | Vehicle model, such as `Camry` or `Civic`. |
| repair_estimate | integer | yes | Approximate dollar amount you expect to pay to repair the vehicle if you do not file a claim. |
| seed | integer | – | Optional deterministic seed for the estimate sample when a caller wants stable repeat runs. |
| state | string | yes | Two-letter state code for the garaging address or rating state. |
| style | string | – | Vehicle trim, body style, or submodel when you want to narrow the vehicle match. |
| year | integer | – | Vehicle model year. With make and model it prices a specific car; omit it to price a generic vehicle instead. |
| zip | string | yes | ZIP code for the driver or garaging location being priced. |
| Name | Type | Req | Description |
|---|---|---|---|
| claim_monthly | object | yes | Monthly premium spread after filing one claim. Whole US dollars per month. |
| deductible | integer | yes | Collision deductible paid when filing. |
| disclaimer | string | yes | Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. |
| estimate_unit | string | yes | Currency of every dollar figure: `usd`. |
| inputs | object | yes | Driver, vehicle, and deductible values the model used, with defaults filled in for omitted inputs. |
| monthly_increase | integer | yes | Median monthly premium increase after the claim. |
| no_claim_monthly | object | yes | Monthly premium spread with no claim on record. Whole US dollars per month. |
| premium_impact_years | integer | yes | Years the higher premium is assumed to last. |
| premium_increase | integer | yes | Total extra premium over premium_impact_years. |
| recommendation | object|null | – | Whether filing or paying out of pocket costs less; null when no repair estimate was read. |
| repair_estimate | integer | yes | The repair estimate you sent. |
| total_claim_cost | integer | yes | Total cost of filing: deductible plus premium_increase. |
No examples provided.
home_calculator Home insurance calculator ~110
Estimate annual and monthly home insurance ranges for a California property and return the normalized inputs, available risk-factor ids, and ZIP-level context notes that explain the estimate.
| Name | Type | Req | Description |
|---|---|---|---|
| home_sqft | integer | yes | Approximate finished living area of the home in square feet. |
| risk_factors | array | – | Optional Coverage Cat risk-factor ids, such as `pool` or `old_systems`, for property traits that can change premium. |
| zip | string | yes | ZIP code for the California property being estimated. |
| Name | Type | Req | Description |
|---|---|---|---|
| available_risk_factors | array | yes | Every risk factor you can pass in risk_factors, whether or not it was applied. |
| disclaimer | string | yes | Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. |
| estimate | object | yes | Premium range for the home, in US dollars. |
| estimate_unit | string | yes | Currency of every estimate figure: `usd`. |
| inputs | object | yes | The ZIP, square footage, and risk-factor ids the estimate used. |
| zip_facts | array | yes | Context notes that explain the ZIP's premium tier. |
No examples provided.
homeowners_agent_finder Homeowners agent finder ~196
Find licensed homeowners insurance agents near a ZIP code using state department of insurance licensing data. California searches return agents within 75 miles, nearest first; Texas searches return agents in the same ZIP. ZIP codes in other states return an empty agents list alongside supported_states. Each agent record includes name, agency, license, lines, location, contact details, and source links.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | How many agent records to return. Omit it to get up to 25; Coverage Cat returns at most 50 even when asked for more. |
| lines | array | – | Insurance lines the agent should handle, such as `homeowners`, `condominium`, `dwelling_fire`, or `renters`; an agent listed for any of them matches, and synonyms such as `condo` are normalized. Omit… |
| zip | string | yes | ZIP code to search for nearby homeowners agents. |
| Name | Type | Req | Description |
|---|---|---|---|
| agents | array | yes | Matching agents and agencies, up to the requested limit. |
| last_updated_at | string|null | – | Most recent refresh time across the returned agents; null when none were returned. |
| lines | array | yes | Normalized insurance lines the search matched against. |
| result_count | integer | yes | Number of agents returned. |
| source_label | string|null | yes | Licensing data source, such as `CA Dept of Insurance`; null outside supported states. |
| state | string | yes | Two-letter state code for the ZIP. |
| state_name | string | yes | Full state name for the ZIP. |
| supported_states | array | yes | States the finder has licensing data for. |
| zip | string | yes | ZIP code that was searched. |
No examples provided.
homeowners_consumer_bind Confirm homeowners bind ~359
Confirm the previewed homeowners offer after `homeowners_consumer_select` returns `ready_to_finalize`. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Reuse the returned preview_token, set bind_confirmed: true, and stay on the same consumer-operated follow-up tool set. Coverage Cat cannot collect homeowners payment in chat; any carrier payment or signing link is emailed to the customer's email on file.
| Name | Type | Req | Description |
|---|---|---|---|
| bind_confirmed | boolean | yes | Attests that the shopper approved the previewed homeowners bind terms in chat, including email delivery of any carrier payment or signing links. |
| idempotency_key | string | – | Key you generate to identify one logical homeowners_consumer_bind request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to g… |
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| preview_token | string | yes | Preview token returned by `homeowners_consumer_select` in the `ready_to_finalize` response for this exact offer. |
| uid | string | yes | Coverage Cat intake uid returned by the earlier homeowners consumer-prefill or follow-up response. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
homeowners_consumer_policy Get homeowners policy ~237
Read the current bound or cancelled homeowners policy record, policy documents, and any existing cancellation, refund, or support request history. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Use this read-only tool after Coverage Cat reports a policy on file, or after a service request is opened, to show policy facts without switching to delegated tools.
| Name | Type | Req | Description |
|---|---|---|---|
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
homeowners_consumer_prefill Start homeowners application ~553
Preferred homeowners MCP entry point when a shopper wants Coverage Cat to shop for, compare, or buy homeowners insurance and no operator bearer token is present. On a cold start, ask only for the user's name, email, property address, and whether this should be standard homeowners, condo, or landlord coverage. If that coverage type is still unknown, ask the shopper to reply with exactly one of `standard homeowners`, `condo`, or `landlord`, then enrich from user-controlled context and property sources before handing off to Coverage Cat. Recover core shopper and occupancy facts from that context before relying on estimated review data. Stay on the same consumer-operated subset through review, quote polling, `homeowners_consumer_select`, `homeowners_consumer_bind`, `homeowners_consumer_policy`, and `homeowners_consumer_service`. Homeowners quotes or carrier bind follow-up may take up to 48 hours. If `consumer_intake_issues` returns `conversation.reply_pending`, answer in chat with `consumer_intake_patch` and `message_reply`. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Homeowners payment or signing links must be sent to the customer's own email inbox on file. Until submission, tell the shopper the application is not submitted yet.
| Name | Type | Req | Description |
|---|---|---|---|
| credit_consent_pending | boolean | yes | Declares that this handoff starts before the shopper has given soft-credit-check consent, so do not ask about credit now. Coverage Cat requests that consent on the homeowners review turn. |
| field_estimates | array | – | Provenance for home values you inferred from context or property data rather than heard from the shopper, one row per inferred value. Coverage Cat stores the rows on the first `intake.home` row. |
| idempotency_key | string | – | Key you generate to identify one logical homeowners_consumer_prefill request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments t… |
| intake | object | yes | Fullest currently known homeowners application assembled from the user's own context: shopper name and email plus a `home` row (object or one-row array) with the property street, city, state, and zip… |
| Name | Type | Req | Description |
|---|---|---|---|
| expires_at | string | yes | When the current consumer handoff expires. |
| intake_access_token | string | yes | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| review_summary | object | yes | Current non-authoritative pre-submit checkpoint the agent may summarize before continuing in chat or opening a browser fallback. Unless a later follow-up response shows quote progress, treat this app… |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| uid | string | yes | Coverage Cat intake uid for MCP follow-up. |
No examples provided.
homeowners_consumer_select Homeowners consumer offer select ~372
Continue the consumer-prefill homeowners flow after quotes are ready. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the same consumer-operated MCP subset, use the returned selection_token, and let Coverage Cat stage the exact selected offer for one final bind approval in chat. This select step does not collect payment and does not start carrier bind follow-up yet.
| Name | Type | Req | Description |
|---|---|---|---|
| idempotency_key | string | – | Key you generate to identify one logical homeowners_consumer_select request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to… |
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| selection_confirmed | boolean | yes | Attests that the shopper explicitly picked the offer named by selection_token in chat, rather than the agent choosing for them. |
| selection_token | string | yes | selection_token of the shopper's chosen offer from `offers[]` in the latest quoted follow-up response. |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
homeowners_consumer_service Preview or open homeowners service request ~479
Preview or open a cancellation, refund, or support request for a consumer homeowners policy. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the same consumer-operated MCP subset after bind. Preview the consequences first, then send confirm_request: true only after the shopper approves opening the request. Do not describe a cancellation, refund, or support issue as completed until Coverage Cat confirms the final outcome.
| Name | Type | Req | Description |
|---|---|---|---|
| confirm_request | boolean | – | Whether to open the request now. false, the default, returns a preview of the consequences without opening anything; send true only after the shopper approves that preview. |
| details | string | – | Shopper-approved context beyond the short reason, such as the specifics of a billing dispute, recorded on the request and its preview. |
| idempotency_key | string | – | Key you generate to identify one logical homeowners_consumer_service request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments t… |
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| reason | string | yes | Short shopper-approved reason for the request. |
| request_type | string | yes | What the shopper wants done after purchase. `policy_cancellation` asks the carrier to end the policy on requested_effective_date; `refund_request` asks the carrier or billing provider to review a ref… |
| requested_effective_date | string | – | Day the shopper wants a cancellation to take effect; used only for policy_cancellation. It is a request: the carrier reviews it and may set a different date. |
| uid | string | yes | Coverage Cat intake uid for the current shopper session. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
umbrella_calculator Umbrella insurance calculator ~318
Research-only estimate of annual personal umbrella pricing bands, the inferred risk class, and per-factor impacts for directional pricing. Use this for price exploration, not when the shopper wants Coverage Cat to shop for or buy umbrella insurance.
| Name | Type | Req | Description |
|---|---|---|---|
| antique_vehicles | integer | – | How many collector or antique vehicles should be counted in the risk profile. |
| at_fault_accidents | integer | – | Total at-fault accidents across all household drivers. Omitted counts as none; a high count can move the profile to specialized review or make it ineligible for instant pricing. |
| auto_count | integer | – | How many cars, trucks, or SUVs are in the household auto profile. |
| drivers_over_70 | integer | – | Number of drivers in the household who are 70 or older. |
| drivers_under_22 | integer | – | Number of drivers in the household who are younger than 22. |
| jet_skis | integer | – | Count of personal watercraft such as jet skis. |
| large_watercraft | integer | – | Count of boats or other large watercraft that add umbrella liability exposure. |
| motorcycles | integer | – | How many motorcycles should be added to the total vehicle exposure. |
| moving_violations | integer | – | Total moving violations across all household drivers. Omitted counts as none; a high count can move the profile to specialized review or make it ineligible for instant pricing. |
| property_count | integer | – | How many residential properties the household owns or carries liability for. |
| zip | string | yes | ZIP code for the household being priced. |
| Name | Type | Req | Description |
|---|---|---|---|
| disclaimer | string | yes | Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. |
| estimate | object | yes | Risk class and annual premium bands. |
| estimate_unit | string | yes | Unit of every price: `annual_premium_usd`, annual premium in US dollars. |
| factor_impacts | array | yes | Household factors that moved the profile off the best (`preferred`) class; empty when none did. |
| inputs | object | yes | The household counts you sent, parsed to integers; omitted counts are left out. |
No examples provided.
umbrella_consumer_attach Umbrella consumer attachment upload ~523
Upload declarations or auto declarations during the consumer-prefill umbrella post-choose flow. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the same consumer-operated MCP subset. Use only after selection and only when Coverage Cat says documents are needed. If both the home and auto files are already available, prefer one attach call with attachments so the shopper only approves one upload turn. If your runtime already has the files on disk or can stream raw bytes, prefer the REST binary `/api/intake/{uid}/attach-upload` fallback instead of hand-building base64. The upload itself is usually quick once the files are available, and secure checkout is usually ready about 5-10 minutes after Coverage Cat has the uploads on file.
| Name | Type | Req | Description |
|---|---|---|---|
| attachments | array | – | Upload multiple declarations in one call when both files are already available. |
| content | string | – | The whole declarations document named by filename, not an excerpt, summary, or extracted text. |
| filename | string | – | Original file name with its extension, such as `home-declarations.pdf`. Coverage Cat reads the file type from the extension and accepts PDF, JPEG, or PNG files. |
| idempotency_key | string | – | Key you generate to identify one logical umbrella_consumer_attach request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to g… |
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| type | string | – | Which policy the declarations page belongs to: `declarations` for the home, condo, renters, or landlord policy, or `auto_declarations` for the auto policy. Match the upload types Coverage Cat listed… |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
umbrella_consumer_bind Continue umbrella bind ~363
Continue the consumer-prefill umbrella bind follow-up only after select returns needs_more_info_to_bind or ready_to_finalize. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the same consumer-operated MCP subset and send only the current bind-stage fields inside `intake`. This later bind-stage follow-up is where actual vehicle details may appear for selected offers such as Markel; do not move that question into the pre-submit review.
| Name | Type | Req | Description |
|---|---|---|---|
| idempotency_key | string | – | Key you generate to identify one logical umbrella_consumer_bind request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to get… |
| intake | object | – | Answers to the current bind-stage next_question, keyed by the field names Coverage Cat asked for, such as vehicle details for a selected Markel offer. |
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
How do I install the Coverage Cat MCP server?
Coverage Cat is a hosted endpoint at https://www.coveragecat.com/api/consumer/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · www.coveragecat.com
claude mcp add --transport http com-coveragecat-insurance 'https://www.coveragecat.com/api/consumer/mcp'
What is the Coverage Cat MCP server?
Coverage Cat is an MCP server listed in the public MCP registry as com.coveragecat/insurance. Get umbrella and homeowners insurance quotes, select a policy, and bind coverage. This page covers its hosted endpoint (https://www.coveragecat.com/api/consumer/mcp).
Is the Coverage Cat MCP server safe to use?
Coverage Cat scores 69 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the Coverage Cat MCP server expose?
Coverage Cat exposes 23 tools: umbrella_consumer_prefill, homeowners_consumer_prefill, consumer_intake_issues, consumer_intake_patch, umbrella_consumer_select, and 18 more. Their descriptions and schemas cost roughly 8,400 tokens of context every time the server is loaded.
Does the Coverage Cat MCP server require authentication?
No. We connected to Coverage Cat without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Coverage Cat MCP server still maintained?
Coverage Cat is still listed as active in the MCP registry. We last reached this channel on 22 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.