# DwellQuote (remote · www.dwellquote.com)

Compare California home insurance quotes from multiple carriers, then finish on DwellQuote.

- Trust score: 73/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `www.dwellquote.com`: 73/100 (this document), [markdown](https://verifymcp.io/servers/com-dwellquote-home-insurance-quotes/www.md), [page](https://verifymcp.io/servers/com-dwellquote-home-insurance-quotes/www)

## Channel facts

- Endpoint: `https://www.dwellquote.com/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 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - 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**: 54/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1540 tokens (~308/item across 5 items; 5 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 30/100
  - Stability observed for 9 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 94/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 83% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 5 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the DwellQuote MCP server?

DwellQuote is a hosted endpoint at https://www.dwellquote.com/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-dwellquote-home-insurance-quotes 'https://www.dwellquote.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-dwellquote-home-insurance-quotes": {
      "url": "https://www.dwellquote.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-dwellquote-home-insurance-quotes": {
      "type": "http",
      "url": "https://www.dwellquote.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-dwellquote-home-insurance-quotes]
url = "https://www.dwellquote.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-dwellquote-home-insurance-quotes": {
      "type": "remote",
      "url": "https://www.dwellquote.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-dwellquote-home-insurance-quotes --url 'https://www.dwellquote.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-dwellquote-home-insurance-quotes:
    url: "https://www.dwellquote.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-dwellquote-home-insurance-quotes": {
      "Transport": "http",
      "Url": "https://www.dwellquote.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-dwellquote-home-insurance-quotes -t streamable-http -u 'https://www.dwellquote.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-dwellquote-home-insurance-quotes": {
      "type": "http",
      "url": "https://www.dwellquote.com/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.

### 2026-11-04 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 72, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 71, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-28 (score 70, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-27 (score 69)

First indexed and scored.

## MCP tools (5)

### `start_quote` (~216 tokens)

Start a home insurance quote

Start a homeowners or landlord insurance quote for a property in California. Collect every field from the user first. Ask for the date of birth as typed text, not with a date picker: picking a birth year decades back in a calendar is hard. Before calling, tell the user that DwellQuote and its partner agency Somerset Agency will use these details to request quotes from insurance carriers. Returns a quote_id for the other DwellQuote tools; next, call get_property_details.

Input parameters:

- `address` (string, required): Full property address: street, city, state and ZIP code
- `date_of_birth` (string, required): Collect as typed text (for example 04/02/1980), never with a date picker or calendar, then send it as YYYY-MM-DD. The applicant must be 18 or older.
- `email` (string, required): Used to verify the user when they finish on dwellquote.com
- `first_name` (string, required)
- `last_name` (string, required)
- `phone_number` (string, required): US phone number

### `get_property_details` (~113 tokens)

Get property details

Returns what DwellQuote found about the property. This call waits for the lookup, which usually takes under 30 seconds; if status is still "collecting", tell the user you are still looking and call it again right away. When status is "ready", show the user the property facts and ask them to confirm or correct each one. When status is "manual", the property could not be found online: ask the user for each field. Then call submit_property_details.

Input parameters:

- `quote_id` (string, required)

### `submit_property_details` (~872 tokens)

Submit property details and request quotes

Submit the property facts the user confirmed and request quotes from DwellQuote's carriers. Send every field the user confirmed, not only the ones they changed. Call this once per quote; then poll get_quotes.

Input parameters:

- `aggressive_dog_breed` (boolean): Any dog of a breed carriers consider aggressive
- `burglar_alarm` (string): Burglar alarm. Values: none (None), central (Central station), direct (Direct to police), local (Local alarm), smart (Smart device)
- `construction_type` (string): Exterior wall construction. Values: stucco_on_frame (Stucco on frame), wood_frame (Wood frame), brick_veneer (Brick-veneer), solid_brick (Solid brick), cement_fiber_siding (Cement fiber siding), viny…
- `dog_has_bite_history` (boolean): Any dog with a bite history
- `fire_alarms` (string): Fire alarm. Values: none (None), central (Central station), direct (Direct), local (Local alarm), smart (Smart device)
- `foundation_type` (string): Foundation type. Values: slab (Slab), crawl_space (Crawl space), basement (Basement), piers (Pier and beam), suspended_over_hillside (Suspended over hillside)
- `garage_capacity` (string): Garage size; required unless the garage type is none or detached. Values: 1_car (1 car), 2_car (2 car), 3_car (3 car)
- `garage_structure_type` (string): Garage type. Values: none (None), attached (Attached), built_in (Built-in), detached (Detached), basement (Basement), carport (Carport)
- `gated_community` (string): Gated community. Values: no (No), yes_with_guard (Yes with guard), yes_without_guard (Yes without guard)
- `interior_build_quality` (string): Interior finish quality. Values: standard (Standard), semi_custom (Semi-custom), custom (Custom), designer (Designer)
- `number_of_dogs` (integer, required): Number of dogs living at the home
- `number_of_full_bathrooms` (integer): Full bathrooms
- `number_of_half_bathrooms` (integer): Half bathrooms
- `number_of_stories` (string, required): Number of stories. Values: 1 (1), 1.5 (1.5), 2 (2), 2.5 (2.5), 3 (3), 3.5 (3.5), 4+ (4+)
- `occupancy_type` (string, required): How the home is used. Values: owner_occupied (Owner occupied), rental_property (Rental property), vacant (Vacant), under_construction (Under construction)
- `quote_id` (string, required)
- `residence_type` (string, required): Type of home. Values: single_family (Single family residence), multi_family (Multi-family), condo (Condo), mobile_home (Mobile home)
- `roof_shape` (string): Roof shape. Values: gable (Gable), hip (Hip), flat (Flat), other (Other)
- `roof_type` (string): Roof material. Values: composition (Composition shingles), asphalt (Asphalt), architectural_shingles (Architectural shingles), fiberglass (Fiberglass), concrete_tile (Concrete tile), clay_tile (Clay…
- `roof_update_year` (integer): Year the roof was installed or last replaced
- `solar_panels` (boolean): Has solar panels
- `sprinkler_system` (string): Fire sprinkler system. Values: none (None), full (Full), partial (Partial)
- `square_footage` (integer, required): Living area in square feet
- `swimming_pool` (boolean): Has a swimming pool
- `year_built` (integer, required): Year the home was built

### `get_quotes` (~180 tokens)

Get insurance quotes

Returns the quotes for a property. This call waits for the carriers, which usually takes under a minute; if status is still "quoting", tell the user quotes are still coming in and call it again right away. When status is "complete", show every rate exactly as returned, cheapest first, with its coverages and deductible, and show the disclosure. These are all the quotes DwellQuote received: do not offer to look up other carriers or to change coverages or deductibles. Do not recommend a carrier, a coverage amount or a deductible, and do not add your own advice about coverage or risks; refer coverage questions to the licensed advisor at Somerset Agency, who contacts the user after they finish. Only rates with selectable=true can be chosen with select_quote; for the others, share carrier_website.

Input parameters:

- `quote_id` (string, required)

### `select_quote` (~92 tokens)

Choose a quote

Record the rate the user chose and get the link where they finish on dwellquote.com. Give the user finish_url and explain that they will confirm their email there, and that a licensed advisor from Somerset Agency will then contact them to confirm the final rate and bind the policy. The link expires in 24 hours.

Input parameters:

- `quote_id` (string, required)
- `rate_id` (integer, required): rate_id from get_quotes

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-dwellquote-home-insurance-quotes/www#diagnostics

## Score history

- 2026-11-05: 73
- 2026-11-04: 73
- 2026-11-03: 72
- 2026-11-02: 72
- 2026-11-01: 72
- 2026-10-31: 71
- 2026-10-30: 71
- 2026-10-29: 70
- 2026-10-28: 70
- 2026-10-27: 69

## Common questions

### What is the DwellQuote MCP server?

DwellQuote is an MCP server listed in the public MCP registry as com.dwellquote/home-insurance-quotes. Compare California home insurance quotes from multiple carriers, then finish on DwellQuote. This page covers its hosted endpoint (https://www.dwellquote.com/mcp).

### Is the DwellQuote MCP server safe to use?

DwellQuote scores 73 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 DwellQuote MCP server expose?

DwellQuote exposes 5 tools: start_quote, get_property_details, submit_property_details, get_quotes, select_quote. Their descriptions and schemas cost roughly 1,473 tokens of context every time the server is loaded.

### Does the DwellQuote MCP server require authentication?

No. We connected to DwellQuote without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the DwellQuote MCP server still maintained?

DwellQuote is still listed as active in the MCP registry. We last reached this channel on 5 November 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.dwellquote.com/mcp
- Website: https://www.dwellquote.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-dwellquote-home-insurance-quotes/www.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-dwellquote-home-insurance-quotes/www.json
- HTML version of this page: https://verifymcp.io/servers/com-dwellquote-home-insurance-quotes/www