# Coverage Cat (remote · www.coveragecat.com) Get umbrella and homeowners insurance quotes, select a policy, and bind coverage. - Trust score: 69/100 (medium) - Registry status: active - Liveness: live - Owner verified: no - Last scored: 2026-10-22 > **Recent critical change**: Authorization (2026-10-20). See the changelog below before you install this server. ## Components - remote · `www.coveragecat.com`: 69/100 (this document), [markdown](https://verifymcp.io/servers/com-coveragecat-insurance/api-consumer-mcp.md), [page](https://verifymcp.io/servers/com-coveragecat-insurance/api-consumer-mcp) ## Channel facts - Endpoint: `https://www.coveragecat.com/api/consumer/mcp` - Transports: `streamable-http` - Auth: `none` - Version: `1.0.0` ## Trust breakdown 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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog) Scored 2026-10-22. - **Endpoint Security**: 63/100 - The endpoint's TLS certificate is valid, in date, and uses a strong key. - Authorisation check failed: no authorisation is required to call this server, and it exposes a tool marked destructive (consumer_intake_patch). - HTTPS is enforced; there's no plaintext access path. - The HSTS (Strict-Transport-Security) header is present. - DNSSEC check failed: this domain isn't protected by DNSSEC. - **Transport & Reachability**: 100/100 - Verified streamable-http transport via a live MCP handshake. - **Schema Quality & AI Usability**: 77/100 - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name). - AI-judged instruction clarity (excellent). - 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. - Usage-examples check failed: none of the tools include examples. - **Stability & Change Management**: 17/100 - Stability observed for 5 of 30 days with no destabilising changes; credit accrues until the full window elapses. - **Tool Coverage**: 100/100 - 100% of tools have a non-trivial description (not blank, and not just the tool's name). - 100% of tool parameters carry a description. - Structured output schemas are declared (100% of tools); any adoption earns full credit. - **Tool Safety**: 100/100 - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured. - We read all 23 captured tool definition(s), and no name or description among them implies an irreversible operation. - An AI judge read all 25 captured unit(s) of tool text and found none that tries to manipulate the model reading it. - **Capabilities**: 100/100 - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28. - Supports UI / widget rendering. ## Install ### 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. ### Claude ```bash claude mcp add --transport http com-coveragecat-insurance 'https://www.coveragecat.com/api/consumer/mcp' ``` ### Cursor ```json { "mcpServers": { "com-coveragecat-insurance": { "url": "https://www.coveragecat.com/api/consumer/mcp" } } } ``` ### VS Code ```json { "servers": { "com-coveragecat-insurance": { "type": "http", "url": "https://www.coveragecat.com/api/consumer/mcp" } } } ``` ### Codex ```toml [mcp_servers.com-coveragecat-insurance] url = "https://www.coveragecat.com/api/consumer/mcp" ``` ### opencode ```json { "$schema": "https://opencode.ai/config.json", "mcp": { "com-coveragecat-insurance": { "type": "remote", "url": "https://www.coveragecat.com/api/consumer/mcp", "enabled": true } } } ``` ### OpenClaw ```bash openclaw mcp add com-coveragecat-insurance --url 'https://www.coveragecat.com/api/consumer/mcp' --transport streamable-http ``` ### Hermes ```yaml mcp_servers: com-coveragecat-insurance: url: "https://www.coveragecat.com/api/consumer/mcp" ``` ### Netclaw ```json { "McpServers": { "com-coveragecat-insurance": { "Transport": "http", "Url": "https://www.coveragecat.com/api/consumer/mcp" } } } ``` ### Vellum ```bash assistant mcp add com-coveragecat-insurance -t streamable-http -u 'https://www.coveragecat.com/api/consumer/mcp' ``` ### Other ```json { "mcpServers": { "com-coveragecat-insurance": { "type": "http", "url": "https://www.coveragecat.com/api/consumer/mcp" } } } ``` The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs. ## Changelog Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims. ### 2026-10-21 (score 69, +1) - [security] 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 - [functional regression] Resource “Auto claim cost calculator” was removed - [functional] New resource “Auto claim filing break-even calculator” - [cosmetic] “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 ### 2026-10-20 (score 68, −5) We did not load change detail this far back for this component, so this day may have recorded more than is shown. - [critical regression] Authorization: partial → fail - [security] 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 - [functional regression] Schema quality: 163 → 196 - [functional improvement] Tool coverage: 61% → 100% - [functional improvement] Tool coverage: 47% → 100% - [functional improvement] Tool “auto_estimates” now declares an output schema - [functional improvement] Tool “collision_and_comprehensive_coverage” now declares an output schema - [functional improvement] Tool “docs_get_resource” now declares an output schema - [functional improvement] Tool “docs_list_topics” now declares an output schema - [functional improvement] Tool “docs_search” now declares an output schema - [functional improvement] Tool “file_a_claim” now declares an output schema - [functional improvement] Tool “home_calculator” now declares an output schema - [functional improvement] Tool “homeowners_agent_finder” now declares an output schema - [functional improvement] Tool “umbrella_calculator” now declares an output schema - [functional] Schema quality: good → excellent - [cosmetic] “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 ### 2026-10-19 (score 73, +1) We did not load change detail this far back for this component, so this day may have recorded more than is shown. ### 2026-10-18 (score 72, +7) We did not load change detail this far back for this component, so this day may have recorded more than is shown. ### 2026-10-17 (score 65) First indexed and scored. ## MCP tools (23) ### `umbrella_consumer_prefill` (~653 tokens) Umbrella consumer prefill handoff Preferred umbrella MCP entry point when a shopper wants Coverage Cat to shop for, compare, or buy umbrella insurance and no operator bearer token is present. On a cold start, call this before asking the shopper a questionnaire and assemble the fullest justified estimate from user-controlled context. Use canonical umbrella keys such as address.street/city/state/zip, license_state, license_number, approximate_asset_value or net_worth_numeric, desired_coverage_limit, required_coverage_e_limit, and vehicle_count or umbrella_details.motorized_vehicle_count. Do not send vehicles rows before submission. Stay on the same consumer-operated subset through `consumer_intake_issues`, `consumer_intake_patch`, `umbrella_consumer_select`, `umbrella_consumer_bind`, `umbrella_consumer_attach`, `umbrella_consumer_payment`, `umbrella_consumer_policy`, and `umbrella_consumer_service`. If you are rehearsing the shopper flow, set `sandbox: true` on this first prefill call only. That same consumer sandbox uid can then continue through the same shopper-safe 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. Until later follow-up shows progress, tell the shopper the application is not submitted yet. 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. Input parameters: - `credit_consent_pending` (boolean, required): 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 `umbrella_consumer_select`, once the sh… - `field_estimates` (array): Provenance for intake values you inferred from context rather than heard from the shopper, one row per inferred value. On the initial umbrella handoff, add rows only for fields that already appear in… - `idempotency_key` (string): Key you generate to identify one logical umbrella_consumer_prefill request, so a retry cannot apply it twice. After a timeout or transport failure, retry with the same key and identical arguments to… - `intake` (object, required): Fullest currently known consumer umbrella application patch. Use canonical keys such as address.street/city/state/zip, license_state, license_number, approximate_asset_value or net_worth_numeric, des… - `sandbox` (boolean): Set true on this first prefill call to run a fully synthetic shopper rehearsal instead of a live application. The returned sandbox uid continues through the same consumer tool set. Output parameters: - `expires_at` (string): When the current consumer handoff expires. - `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… - `review_summary` (object): 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): Coverage Cat intake uid for MCP follow-up. ### `homeowners_consumer_prefill` (~553 tokens) Start homeowners application 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. Input parameters: - `credit_consent_pending` (boolean, required): 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, required): 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… Output parameters: - `expires_at` (string): When the current consumer handoff expires. - `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… - `review_summary` (object): 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): Coverage Cat intake uid for MCP follow-up. ### `consumer_intake_issues` (~413 tokens) Get consumer intake status 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. Input parameters: - `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, required): 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. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `consumer_intake_patch` (~624 tokens) Update consumer intake 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. Input parameters: - `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, required): 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. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `umbrella_consumer_select` (~565 tokens) Umbrella consumer offer select Continue the consumer-prefill umbrella 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, collect the real user's consent for a soft credit check here, and let Coverage Cat enter the normal post-choose workflow without switching to delegated tools. If the quote payload exposed selection_guidance.same_reply_requirements for the chosen offer, send those answers under intake on this first select call. If Coverage Cat still returns credit_consent_required with a bind-stage next_question, ask for both the soft-credit-check consent and those bind details in one shopper-facing turn, then retry this same tool with both credit_consent and intake. Input parameters: - `credit_consent` (object): Real-user consent for a soft credit check, collected on the selection turn when Coverage Cat asks for it. - `idempotency_key` (string): Key you generate to identify one logical umbrella_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 g… - `intake` (object): Bind-stage answers for the current next_question, or the chosen offer's selection_guidance.same_reply_requirements, keyed by the field names Coverage Cat asked for. Send them when Coverage Cat asked… - `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, required): Attests that the shopper explicitly picked the offer named by selection_token in chat, rather than the agent choosing for them. - `selection_token` (string, required): selection_token of the shopper's chosen offer from `offers[]` in the latest quoted follow-up response. - `uid` (string, required): 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. - `um_uim_election`: The shopper's choice to include or decline the offer's $1M excess UM/UIM option, when they make it in the same selection reply. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `umbrella_consumer_bind` (~363 tokens) Continue umbrella bind 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. Input parameters: - `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, required): 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. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `umbrella_consumer_attach` (~523 tokens) Umbrella consumer attachment upload 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. Input parameters: - `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, required): 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. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `umbrella_consumer_payment` (~460 tokens) Collect umbrella payment Prepare secure Stripe payment collection or submit the resulting payment method 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 this only after Coverage Cat says payment_needed. First call it with payment_collection_requested: true; do not send the shopper straight to payment_url before you try this native step. If the host confirms the registered secure payment UI can render, display it and wait for completion; do not request card details through conversational text. After successful Stripe setup, call this same tool again with setup_intent_id and payment_method_id. If UI support is unknown or unsupported, or if secure setup fails in chat, share payment_url with the specific fallback reason instead. Input parameters: - `idempotency_key` (string): Key you generate to identify one logical umbrella_consumer_payment 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… - `payment_collection_requested` (boolean): Starts secure card collection: Coverage Cat prepares a Stripe SetupIntent and returns the publishable_key, client_secret, and setup_intent_id the registered payment UI needs. Send it on the first pay… - `payment_method_id` (string): Reusable Stripe PaymentMethod id produced by secure client-side setup confirmation. - `setup_intent_id` (string): SetupIntent id returned by the earlier payment_collection_ready response. - `uid` (string, required): Coverage Cat intake uid for the current shopper session. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `umbrella_consumer_policy` (~237 tokens) Get umbrella policy Read the current bound or cancelled umbrella 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. Input parameters: - `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, required): 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. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `umbrella_consumer_service` (~479 tokens) Preview or open umbrella service request Preview or open a cancellation, refund, or support request for a consumer umbrella 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. Input parameters: - `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 umbrella_consumer_service 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… - `reason` (string, required): Short shopper-approved reason for the request. - `request_type` (string, required): 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, required): Coverage Cat intake uid for the current shopper session. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `homeowners_consumer_select` (~372 tokens) Homeowners consumer offer select 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. Input parameters: - `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, required): Attests that the shopper explicitly picked the offer named by selection_token in chat, rather than the agent choosing for them. - `selection_token` (string, required): selection_token of the shopper's chosen offer from `offers[]` in the latest quoted follow-up response. - `uid` (string, required): 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. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `homeowners_consumer_bind` (~359 tokens) Confirm homeowners bind 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. Input parameters: - `bind_confirmed` (boolean, required): 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, required): Preview token returned by `homeowners_consumer_select` in the `ready_to_finalize` response for this exact offer. - `uid` (string, required): Coverage Cat intake uid returned by the earlier homeowners consumer-prefill or follow-up response. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `homeowners_consumer_policy` (~237 tokens) Get homeowners policy 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. Input parameters: - `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, required): 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. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `homeowners_consumer_service` (~479 tokens) Preview or open homeowners service request 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. Input parameters: - `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, required): Short shopper-approved reason for the request. - `request_type` (string, required): 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, required): Coverage Cat intake uid for the current shopper session. Output parameters: - `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) - `support` (object) - `uid` (string): Coverage Cat intake uid for the current handoff. - `uploaded` (array) - `uploaded_count` (integer) - `user_action_required` (string) ### `home_calculator` (~110 tokens) Home insurance calculator 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. Input parameters: - `home_sqft` (integer, required): 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, required): ZIP code for the California property being estimated. Output parameters: - `available_risk_factors` (array): Every risk factor you can pass in risk_factors, whether or not it was applied. - `disclaimer` (string): Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. - `estimate` (object): Premium range for the home, in US dollars. - `estimate_unit` (string): Currency of every estimate figure: `usd`. - `inputs` (object): The ZIP, square footage, and risk-factor ids the estimate used. - `zip_facts` (array): Context notes that explain the ZIP's premium tier. ### `umbrella_calculator` (~318 tokens) Umbrella insurance calculator 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. Input parameters: - `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, required): ZIP code for the household being priced. Output parameters: - `disclaimer` (string): Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. - `estimate` (object): Risk class and annual premium bands. - `estimate_unit` (string): Unit of every price: `annual_premium_usd`, annual premium in US dollars. - `factor_impacts` (array): Household factors that moved the profile off the best (`preferred`) class; empty when none did. - `inputs` (object): The household counts you sent, parsed to integers; omitted counts are left out. ### `auto_estimates` (~357 tokens) Auto insurance estimates 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. Input parameters: - `age` (integer, required): 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, required): 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, required): 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, required): ZIP code for the driver or garaging location being priced. Output parameters: - `carriers` (array): One estimate per carrier the model could price. - `disclaimer` (string): Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. - `estimate_unit` (string): Unit of the monthly premium spreads: `monthly_premium_usd`. - `inputs` (object): Driver, vehicle, and deductible values the model used, with defaults filled in for omitted inputs. ### `collision_and_comprehensive_coverage` (~370 tokens) Collision and comprehensive coverage calculator 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. Input parameters: - `age` (integer, required): 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, required): 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, required): 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, required): ZIP code for the driver or garaging location being priced. Output parameters: - `cumulative_annual_scenarios` (array): Running premium totals for the without, collision-only, and both coverage options. - `disclaimer` (string): Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. - `estimate_unit` (string): Unit of the monthly premium spreads: `monthly_premium_usd`. - `inputs` (object): Driver, vehicle, and deductible values the model used, with defaults filled in for omitted inputs. - `monthly_estimates` (object): Monthly premium spread for each coverage scenario. - `projection_years` (integer): Number of years the cumulative projections cover. ### `file_a_claim` (~397 tokens) Auto claim filing break-even calculator 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. Input parameters: - `age` (integer, required): 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, required): 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, required): 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, required): 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, required): ZIP code for the driver or garaging location being priced. Output parameters: - `claim_monthly` (object): Monthly premium spread after filing one claim. Whole US dollars per month. - `deductible` (integer): Collision deductible paid when filing. - `disclaimer` (string): Notice that these figures are informational estimates, not binding quotes; relay it with the numbers. - `estimate_unit` (string): Currency of every dollar figure: `usd`. - `inputs` (object): Driver, vehicle, and deductible values the model used, with defaults filled in for omitted inputs. - `monthly_increase` (integer): Median monthly premium increase after the claim. - `no_claim_monthly` (object): Monthly premium spread with no claim on record. Whole US dollars per month. - `premium_impact_years` (integer): Years the higher premium is assumed to last. - `premium_increase` (integer): 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): The repair estimate you sent. - `total_claim_cost` (integer): Total cost of filing: deductible plus premium_increase. ### `homeowners_agent_finder` (~196 tokens) Homeowners agent finder 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. Input parameters: - `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, required): ZIP code to search for nearby homeowners agents. Output parameters: - `agents` (array): 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): Normalized insurance lines the search matched against. - `result_count` (integer): Number of agents returned. - `source_label` (string|null): Licensing data source, such as `CA Dept of Insurance`; null outside supported states. - `state` (string): Two-letter state code for the ZIP. - `state_name` (string): Full state name for the ZIP. - `supported_states` (array): States the finder has licensing data for. - `zip` (string): ZIP code that was searched. ### `docs_list_topics` (~128 tokens) Coverage Cat docs topic index 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. Input parameters: - `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. Output parameters: - `category` (string): Category filter that was applied. - `topics` (array): Topics in catalog order. - `total` (integer): Number of topics in this response after limit, not the size of the whole catalog. ### `docs_search` (~133 tokens) Coverage Cat docs search 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. Input parameters: - `limit` (integer): How many of the best-ranked topics to return. Omit it to get the top 5. - `query` (string, required): Search terms describing the documentation need. Output parameters: - `matches` (array): Matching topics, best match first. - `query` (string): The search query after trimming whitespace. - `total` (integer): Number of matches in this response after limit, not every topic that matched. ### `docs_get_resource` (~74 tokens) Coverage Cat docs resource reader 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. Input parameters: - `uri` (string, required): A coveragecat:// or ui:// resource URI from docs_list_topics or docs_search. Output parameters: - `href` (string|null): Public web URL for the same content, or null when the resource has no public page. - `mime_type` (string): Format of text, such as `text/markdown`, `application/json`, or `text/yaml`. - `text` (string): The full resource body in mime_type format. - `uri` (string): The resource URI that was read. ## Diagnostics Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-coveragecat-insurance/api-consumer-mcp#diagnostics ## Score history - 2026-10-22: 69 - 2026-10-21: 69 - 2026-10-20: 68 - 2026-10-19: 73 - 2026-10-18: 72 - 2026-10-17: 65 ## Common questions ### 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. ## Links - Remote endpoint: https://www.coveragecat.com/api/consumer/mcp - Website: https://www.coveragecat.com/ - Changelog RSS feed: https://verifymcp.io/servers/com-coveragecat-insurance/api-consumer-mcp.xml - Changelog JSON feed: https://verifymcp.io/servers/com-coveragecat-insurance/api-consumer-mcp.json - HTML version of this page: https://verifymcp.io/servers/com-coveragecat-insurance/api-consumer-mcp