Coverage Cat
REMOTE · WWW.COVERAGECAT.COM
Get umbrella and homeowners insurance quotes, select a policy, and bind coverage.
Available components
Last scanned (19 hours ago)
Scores higher than 59% of remote servers
Reachable. Last reached 22 Oct 2026.
Category Finance and Payments
Recent critical change
Authorization (20 Oct 2026). See the changelog before you install this server.
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation check failed: no authorisation is required to call this server, and it exposes a tool marked destructive (consumer_intake_patch). See how to fix → View diagnostics → Fail
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability77
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 9413 tokens (~213/item across 44 items; 23 tools + 21 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management17
- Stability observed for 5 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 23 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 25 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
- Supports UI / widget rendering.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 21 Oct 26 +1
- Tool “auto_estimates” rewrote its description, which is the text the model reads security
- Tool “collision_and_comprehensive_coverage” rewrote its description, which is the text the model reads security
- Tool “docs_search” rewrote its description, which is the text the model reads security
- Tool “file_a_claim” rewrote its description, which is the text the model reads security
- Tool “homeowners_agent_finder” rewrote its description, which is the text the model reads security
- Resource “Auto claim cost calculator” was removed ▼ functional
- New resource “Auto claim filing break-even calculator” functional
- “auto_estimates” reworded the description of “age” cosmetic
- “auto_estimates” reworded the description of “collision_deductible” cosmetic
- “auto_estimates” reworded the description of “comprehensive_deductible” cosmetic
- “auto_estimates” reworded the description of “gender” cosmetic
- “auto_estimates” reworded the description of “year” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “age” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “collision_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “comprehensive_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “gender” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “year” cosmetic
- “consumer_intake_patch” reworded the description of “field_estimates” cosmetic
- “consumer_intake_patch” reworded the description of “idempotency_key” cosmetic
- “docs_list_topics” reworded the description of “category” cosmetic
- “docs_list_topics” reworded the description of “limit” cosmetic
- “docs_search” reworded the description of “limit” cosmetic
- “file_a_claim” reworded the description of “age” cosmetic
- “file_a_claim” reworded the description of “collision_deductible” cosmetic
- “file_a_claim” reworded the description of “comprehensive_deductible” cosmetic
- “file_a_claim” reworded the description of “gender” cosmetic
- “file_a_claim” reworded the description of “year” cosmetic
- “homeowners_agent_finder” reworded the description of “limit” cosmetic
- “homeowners_agent_finder” reworded the description of “lines” cosmetic
- “homeowners_consumer_bind” reworded the description of “bind_confirmed” cosmetic
- “homeowners_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_prefill” reworded the description of “credit_consent_pending” cosmetic
- “homeowners_consumer_prefill” reworded the description of “field_estimates” cosmetic
- “homeowners_consumer_prefill” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_select” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_select” reworded the description of “selection_confirmed” cosmetic
- “homeowners_consumer_service” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_service” reworded the description of “request_type” cosmetic
- “homeowners_consumer_service” reworded the description of “requested_effective_date” cosmetic
- “umbrella_calculator” reworded the description of “at_fault_accidents” cosmetic
- “umbrella_calculator” reworded the description of “moving_violations” cosmetic
- “umbrella_consumer_attach” reworded the description of “content” cosmetic
- “umbrella_consumer_attach” reworded the description of “filename” cosmetic
- “umbrella_consumer_attach” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_attach” reworded the description of “type” cosmetic
- “umbrella_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_payment” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_payment” reworded the description of “payment_collection_requested” cosmetic
- “umbrella_consumer_prefill” reworded the description of “credit_consent_pending” cosmetic
- “umbrella_consumer_prefill” reworded the description of “field_estimates” cosmetic
- “umbrella_consumer_prefill” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_select” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_select” reworded the description of “selection_confirmed” cosmetic
- “umbrella_consumer_service” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_service” reworded the description of “request_type” cosmetic
- “umbrella_consumer_service” reworded the description of “requested_effective_date” cosmetic
- Tool “consumer_intake_issues” changed its title: Consumer intake follow-up status → Get consumer intake status cosmetic
- Tool “file_a_claim” changed its title: Auto claim cost calculator → Auto claim filing break-even calculator cosmetic
- Tool “homeowners_consumer_prefill” changed its title: Homeowners consumer prefill handoff → Start homeowners application cosmetic
- Tool “homeowners_consumer_service” changed its title: Request homeowners policy service → Preview or open homeowners service request cosmetic
- Tool “umbrella_consumer_service” changed its title: Request umbrella policy service → Preview or open umbrella service request cosmetic
- 20 Oct 26 −5
We did not load change detail this far back for this component, so this day may have recorded more than is shown.
- Authorization: partial → fail ▼ critical
- Tool “auto_estimates” rewrote its description, which is the text the model reads security
- Tool “collision_and_comprehensive_coverage” rewrote its description, which is the text the model reads security
- Tool “consumer_intake_issues” rewrote its description, which is the text the model reads security
- Tool “consumer_intake_patch” rewrote its description, which is the text the model reads security
- Tool “docs_get_resource” rewrote its description, which is the text the model reads security
- Tool “docs_list_topics” rewrote its description, which is the text the model reads security
- Tool “docs_search” rewrote its description, which is the text the model reads security
- Tool “file_a_claim” rewrote its description, which is the text the model reads security
- Tool “home_calculator” rewrote its description, which is the text the model reads security
- Tool “homeowners_agent_finder” rewrote its description, which is the text the model reads security
- Tool “homeowners_consumer_bind” rewrote its description, which is the text the model reads security
- Tool “umbrella_calculator” rewrote its description, which is the text the model reads security
- Tool “consumer_intake_patch” is now declared destructive security
- Tool “homeowners_consumer_bind” is now declared destructive security
- Tool “homeowners_consumer_select” is now declared destructive security
- Tool “homeowners_consumer_service” is now declared destructive security
- Tool “umbrella_consumer_attach” is now declared destructive security
- Tool “umbrella_consumer_bind” is now declared destructive security
- Tool “umbrella_consumer_payment” is now declared destructive security
- Schema quality: 163 → 196 ▼ functional
- Tool coverage: 61% → 100% ▲ functional
- Tool coverage: 47% → 100% ▲ functional
- Tool “auto_estimates” now declares an output schema ▲ functional
- Tool “collision_and_comprehensive_coverage” now declares an output schema ▲ functional
- Tool “docs_get_resource” now declares an output schema ▲ functional
- Tool “docs_list_topics” now declares an output schema ▲ functional
- Tool “docs_search” now declares an output schema ▲ functional
- Tool “file_a_claim” now declares an output schema ▲ functional
- Tool “home_calculator” now declares an output schema ▲ functional
- Tool “homeowners_agent_finder” now declares an output schema ▲ functional
- Tool “umbrella_calculator” now declares an output schema ▲ functional
- Schema quality: good → excellent functional
- “auto_estimates” reworded the description of “age” cosmetic
- “auto_estimates” reworded the description of “collision_deductible” cosmetic
- “auto_estimates” reworded the description of “comprehensive_deductible” cosmetic
- “auto_estimates” reworded the description of “gender” cosmetic
- “auto_estimates” reworded the description of “make” cosmetic
- “auto_estimates” reworded the description of “model” cosmetic
- “auto_estimates” reworded the description of “seed” cosmetic
- “auto_estimates” reworded the description of “state” cosmetic
- “auto_estimates” reworded the description of “style” cosmetic
- “auto_estimates” reworded the description of “year” cosmetic
- “auto_estimates” reworded the description of “zip” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “age” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “collision_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “comprehensive_deductible” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “gender” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “make” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “model” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “seed” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “state” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “style” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “year” cosmetic
- “collision_and_comprehensive_coverage” reworded the description of “zip” cosmetic
- “consumer_intake_issues” reworded the description of “intake_access_token” cosmetic
- “consumer_intake_issues” reworded the description of “uid” cosmetic
- “consumer_intake_patch” reworded the description of “field_estimates” cosmetic
- “consumer_intake_patch” reworded the description of “idempotency_key” cosmetic
- “consumer_intake_patch” reworded the description of “intake” cosmetic
- “consumer_intake_patch” reworded the description of “intake_access_token” cosmetic
- “consumer_intake_patch” reworded the description of “reply_to_message_id” cosmetic
- “consumer_intake_patch” reworded the description of “uid” cosmetic
- “docs_list_topics” reworded the description of “category” cosmetic
- “docs_list_topics” reworded the description of “limit” cosmetic
- “docs_search” reworded the description of “limit” cosmetic
- “docs_search” reworded the description of “query” cosmetic
- “file_a_claim” reworded the description of “age” cosmetic
- “file_a_claim” reworded the description of “collision_deductible” cosmetic
- “file_a_claim” reworded the description of “comprehensive_deductible” cosmetic
- “file_a_claim” reworded the description of “gender” cosmetic
- “file_a_claim” reworded the description of “make” cosmetic
- “file_a_claim” reworded the description of “model” cosmetic
- “file_a_claim” reworded the description of “repair_estimate” cosmetic
- “file_a_claim” reworded the description of “seed” cosmetic
- “file_a_claim” reworded the description of “state” cosmetic
- “file_a_claim” reworded the description of “style” cosmetic
- “file_a_claim” reworded the description of “year” cosmetic
- “file_a_claim” reworded the description of “zip” cosmetic
- “home_calculator” reworded the description of “home_sqft” cosmetic
- “home_calculator” reworded the description of “risk_factors” cosmetic
- “home_calculator” reworded the description of “zip” cosmetic
- “homeowners_agent_finder” reworded the description of “limit” cosmetic
- “homeowners_agent_finder” reworded the description of “lines” cosmetic
- “homeowners_agent_finder” reworded the description of “zip” cosmetic
- “homeowners_consumer_bind” reworded the description of “bind_confirmed” cosmetic
- “homeowners_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_bind” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_bind” reworded the description of “preview_token” cosmetic
- “homeowners_consumer_bind” reworded the description of “uid” cosmetic
- “homeowners_consumer_policy” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_policy” reworded the description of “uid” cosmetic
- “homeowners_consumer_prefill” reworded the description of “credit_consent_pending” cosmetic
- “homeowners_consumer_prefill” reworded the description of “field_estimates” cosmetic
- “homeowners_consumer_prefill” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_prefill” reworded the description of “intake” cosmetic
- “homeowners_consumer_select” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_select” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_select” reworded the description of “selection_confirmed” cosmetic
- “homeowners_consumer_select” reworded the description of “selection_token” cosmetic
- “homeowners_consumer_select” reworded the description of “uid” cosmetic
- “homeowners_consumer_service” reworded the description of “confirm_request” cosmetic
- “homeowners_consumer_service” reworded the description of “details” cosmetic
- “homeowners_consumer_service” reworded the description of “idempotency_key” cosmetic
- “homeowners_consumer_service” reworded the description of “intake_access_token” cosmetic
- “homeowners_consumer_service” reworded the description of “request_type” cosmetic
- “homeowners_consumer_service” reworded the description of “requested_effective_date” cosmetic
- “umbrella_calculator” reworded the description of “antique_vehicles” cosmetic
- “umbrella_calculator” reworded the description of “at_fault_accidents” cosmetic
- “umbrella_calculator” reworded the description of “auto_count” cosmetic
- “umbrella_calculator” reworded the description of “drivers_over_70” cosmetic
- “umbrella_calculator” reworded the description of “drivers_under_22” cosmetic
- “umbrella_calculator” reworded the description of “jet_skis” cosmetic
- “umbrella_calculator” reworded the description of “large_watercraft” cosmetic
- “umbrella_calculator” reworded the description of “motorcycles” cosmetic
- “umbrella_calculator” reworded the description of “moving_violations” cosmetic
- “umbrella_calculator” reworded the description of “property_count” cosmetic
- “umbrella_calculator” reworded the description of “zip” cosmetic
- “umbrella_consumer_attach” reworded the description of “content” cosmetic
- “umbrella_consumer_attach” reworded the description of “filename” cosmetic
- “umbrella_consumer_attach” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_attach” reworded the description of “intake_access_token” cosmetic
- “umbrella_consumer_attach” reworded the description of “type” cosmetic
- “umbrella_consumer_attach” reworded the description of “uid” cosmetic
- “umbrella_consumer_bind” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_bind” reworded the description of “intake” cosmetic
- “umbrella_consumer_bind” reworded the description of “intake_access_token” cosmetic
- “umbrella_consumer_bind” reworded the description of “uid” cosmetic
- “umbrella_consumer_payment” reworded the description of “idempotency_key” cosmetic
- “umbrella_consumer_payment” reworded the description of “intake_access_token” cosmetic
- Tool “consumer_intake_patch” changed its title: Consumer intake patch and submit → Update consumer intake cosmetic
- Tool “file_a_claim” changed its title: File a claim calculator → Auto claim cost calculator cosmetic
- Tool “homeowners_consumer_bind” changed its title: Homeowners consumer bind continuation → Confirm homeowners bind cosmetic
- Tool “homeowners_consumer_policy” changed its title: Homeowners consumer policy record → Get homeowners policy cosmetic
- Tool “homeowners_consumer_service” changed its title: Homeowners consumer policy service request → Request homeowners policy service cosmetic
- Tool “umbrella_consumer_bind” changed its title: Umbrella consumer bind continuation → Continue umbrella bind cosmetic
- Tool “umbrella_consumer_payment” changed its title: Umbrella consumer payment collection → Collect umbrella payment cosmetic
- Tool “umbrella_consumer_policy” changed its title: Umbrella consumer policy record → Get umbrella policy cosmetic
- 19 Oct 26 +1
We did not load change detail this far back for this component, so this day may have recorded more than is shown.
- 18 Oct 26 +7
We did not load change detail this far back for this component, so this day may have recorded more than is shown.
- 17 Oct 26 65
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 22 Oct 2026 · Probed https://www.coveragecat.com/api/consumer/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=coveragecat.com | CN=Amazon RSA 2048 M04,O=Amazon,C=US | 27 Jun 2026 | 10 Jan 2027 | RSA 2048 | SHA256-RSA | a77c3fdb33cd606c9319433f007a0ec |
| SANs: coveragecat.com, www.coveragecat.com, app.coveragecat.com | ||||||
| CN=Amazon RSA 2048 M04,O=Amazon,C=US (CA) | CN=Amazon Root CA 1,O=Amazon,C=US | 23 Aug 2022 | 23 Aug 2030 | RSA 2048 | SHA256-RSA | 773124f2a952e3ed18a58bdb85d1bc0ce5f27 |
| CN=Amazon Root CA 1,O=Amazon,C=US (CA) | CN=Starfield Services Root Certificate Authority - G2,O=Starfield Technologies\, Inc.,L=Scottsdale,ST=Arizona,C=US | 25 May 2015 | 31 Dec 2037 | RSA 2048 | SHA256-RSA | 67f944a2a27cdf3fac2ae2b01f908eeb9c4c6 |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of www.coveragecat.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| coveragecat.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://www.coveragecat.com/api/consumer/mcp | Verified | 200 | |
| http (plaintext) | http://www.coveragecat.com/api/consumer/mcp | HTTPS enforced | 301 | https://www.coveragecat.com:443/api/consumer/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
umbrella_consumer_payment Collect umbrella payment ~460
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.
| Name | Type | Req | Description |
|---|---|---|---|
| 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 | yes | Coverage Cat intake uid for the current shopper session. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
umbrella_consumer_policy Get umbrella policy ~237
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.
| Name | Type | Req | Description |
|---|---|---|---|
| intake_access_token | string | – | Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session. Send the intake_access_token from the previous successful Coverage Cat response… |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
umbrella_consumer_prefill Umbrella consumer prefill handoff ~653
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.
| Name | Type | Req | Description |
|---|---|---|---|
| credit_consent_pending | boolean | yes | Declares that this handoff starts before the shopper has given soft-credit-check consent, so do not ask about credit now. Coverage Cat requests that consent on `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 | yes | 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. |
| Name | Type | Req | Description |
|---|---|---|---|
| expires_at | string | yes | When the current consumer handoff expires. |
| intake_access_token | string | yes | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| review_summary | object | yes | Current non-authoritative pre-submit checkpoint the agent may summarize before continuing in chat or opening a browser fallback. Unless a later follow-up response shows quote progress, treat this app… |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| uid | string | yes | Coverage Cat intake uid for MCP follow-up. |
No examples provided.
umbrella_consumer_select Umbrella consumer offer select ~565
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.
| Name | Type | Req | Description |
|---|---|---|---|
| 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 | yes | Attests that the shopper explicitly picked the offer named by selection_token in chat, rather than the agent choosing for them. |
| selection_token | string | yes | selection_token of the shopper's chosen offer from `offers[]` in the latest quoted follow-up response. |
| uid | string | yes | Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response. Reuse it for each follow-up call on the same application. |
| 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. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
umbrella_consumer_service Preview or open umbrella service request ~479
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.
| Name | Type | Req | Description |
|---|---|---|---|
| confirm_request | boolean | – | Whether to open the request now. false, the default, returns a preview of the consequences without opening anything; send true only after the shopper approves that preview. |
| details | string | – | Shopper-approved context beyond the short reason, such as the specifics of a billing dispute, recorded on the request and its preview. |
| idempotency_key | string | – | Key you generate to identify one logical 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 | yes | Short shopper-approved reason for the request. |
| request_type | string | yes | What the shopper wants done after purchase. `policy_cancellation` asks the carrier to end the policy on requested_effective_date; `refund_request` asks the carrier or billing provider to review a ref… |
| requested_effective_date | string | – | Day the shopper wants a cancellation to take effect; used only for policy_cancellation. It is a request: the carrier reviews it and may set a different date. |
| uid | string | yes | Coverage Cat intake uid for the current shopper session. |
| Name | Type | Req | Description |
|---|---|---|---|
| agent_instructions | array | – | – |
| application_submitted | boolean | – | – |
| compare_details_url | string | – | Coverage Cat browser URL for compare-details follow-up. |
| conversation | object | – | – |
| credit_consent_question | string | – | – |
| detail_status | string | – | – |
| documents | array | – | – |
| expires_at | string | – | When the current consumer handoff expires. |
| field_estimates | array | – | – |
| intake_access_token | string | – | Short-lived follow-up bearer. On REST, send it back as Authorization for the next `/api/intake/{uid}` call. On MCP, retry the same follow-up tool with this token only when your host cannot preserve C… |
| known_summary | object | – | Structured facts Coverage Cat can safely summarize at this stage. |
| line | string | – | – |
| missing_fields | array | – | Structured missing-value hints for homeowners pre-submit review. |
| next_action | object | – | A structured hint for the next allowed tool or endpoint action. |
| next_question | object | – | The current shopper-owned question bundle or bind-stage question. |
| notification_channel | object | – | – |
| offer_summary | object | – | – |
| offers | array | – | – |
| offers_url | string | – | Coverage Cat browser URL for the selected offer or offer-tracking page. |
| payment_collection_supported | boolean | – | – |
| payment_setup | object | – | – |
| payment_status | object | – | – |
| payment_ui | object | – | – |
| payment_url | string | – | Coverage Cat browser URL for secure payment fallback. |
| pending_fields | array | – | Structured missing-value hints for umbrella pre-submit review. |
| policy | object | – | – |
| poll_after_seconds | integer | – | – |
| post_choose | object | – | Structured post-choose state after a quoted umbrella offer is selected. |
| preview_token | string | – | Opaque bind-preview token for the next homeowners bind confirmation. |
| purchase_preview | object | – | – |
| required_upload_types | array | – | – |
| response_summary | string | – | – |
| review | object | – | Structured review card or selected-offer review block. |
| review_estimates | array | – | – |
| review_items | array | – | – |
| review_token | string | – | Opaque review token for delegated review-style submit paths. |
| sandbox | boolean | – | True when Coverage Cat is returning consumer sandbox test data rather than a live shopper workflow. |
| schema | object | – | Supplemental schema hints for homeowners review payloads. |
| selected_offer | object | – | – |
| selection_guidance | object | – | Guidance for completing an offer choice in one shopper-facing reply. |
| service_preview | object | – | – |
| service_request | object | – | – |
| service_requests | array | – | – |
| status | string | yes | – |
| support | object | – | – |
| uid | string | yes | Coverage Cat intake uid for the current handoff. |
| uploaded | array | – | – |
| uploaded_count | integer | – | – |
| user_action_required | string | – | – |
No examples provided.
How do I install the Coverage Cat MCP server?
Coverage Cat is a hosted endpoint at https://www.coveragecat.com/api/consumer/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · www.coveragecat.com
claude mcp add --transport http com-coveragecat-insurance 'https://www.coveragecat.com/api/consumer/mcp'
What is the Coverage Cat MCP server?
Coverage Cat is an MCP server listed in the public MCP registry as com.coveragecat/insurance. Get umbrella and homeowners insurance quotes, select a policy, and bind coverage. This page covers its hosted endpoint (https://www.coveragecat.com/api/consumer/mcp).
Is the Coverage Cat MCP server safe to use?
Coverage Cat scores 69 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the Coverage Cat MCP server expose?
Coverage Cat exposes 23 tools: umbrella_consumer_prefill, homeowners_consumer_prefill, consumer_intake_issues, consumer_intake_patch, umbrella_consumer_select, and 18 more. Their descriptions and schemas cost roughly 8,400 tokens of context every time the server is loaded.
Does the Coverage Cat MCP server require authentication?
No. We connected to Coverage Cat without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Coverage Cat MCP server still maintained?
Coverage Cat is still listed as active in the MCP registry. We last reached this channel on 22 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.