---
title: "Coverage Cat: AI Insurance Search and Agent API"
description: "Coverage Cat is an AI-native insurance broker for high-earning households. Compare home, umbrella, auto, and renters options online, or integrate the Coverage Cat Agent API."
canonical: "https://coveragecat.com/"
last-updated: "2026-08-24"
---

# Coverage Cat: AI Insurance Search and Agent API

## How it works

Coverage Cat is a licensed insurance brokerage that helps you compare home, umbrella, auto, and renters coverage side by side — with straight pricing, no sold leads, and a real broker on the other end.

Ask a question or start a comparison. Coverage Cat pairs AI-guided intake with a licensed brokerage team, so you can size up coverage, see honest price ranges, and compare real carrier options without handing your details to five agents overnight. Developers can drive the same flow through the Agent API.

## Where we operate

Coverage Cat is live for shoppers in California, Florida, New York, Texas, and Washington, with more states on the way.

## Product surfaces

- **Learn:** [What we do](/what-we-do), [FAQ](/faq), and [insurance guides](/insurance-types)
- **Estimate:** [Home insurance calculator](/tools/home), [umbrella insurance calculator](/tools/umbrella), [carrier price comparison](/tools/auto-estimates), and [file-a-claim guidance](/tools/file-a-claim)
- **Compare:** [Start a Coverage Cat quote comparison](https://www.coveragecat.com/intake)
- **Integrate:** [Coverage Cat Agent API hub](/ai/skills), [discovery JSON](/api/agent), [OpenAPI](/api/agent/openapi.yaml), and [skill markdown](/api/agent/skill.md)

## Key links

- [Coverage Cat Agent API and skill docs](/ai/skills)
- [Homeowners purchase skill](/ai/skills/homeowners)
- [Umbrella purchase skill](/ai/skills/umbrella)
- [OpenAPI spec](/api/agent/openapi.yaml)
- [Homeowners agent finder](/tools/find-an-agent)

## For agents

If you are an AI agent acting on a user's behalf, use Coverage Cat's default consumer MCP to shop umbrella insurance:

- Consumer MCP transport: `https://coveragecat.com/api/consumer/mcp`
- MCP well-known: `https://coveragecat.com/.well-known/mcp.json`
- Public agents.txt: `https://coveragecat.com/agents.txt`
- Well-known agents.txt: `https://coveragecat.com/.well-known/agents.txt`
- Operator MCP server card: `https://coveragecat.com/developers/mcp/operator/server-card.json`
- If Coverage Cat MCP tools are unavailable in a runtime that supports MCP, stop and ask a short choice question instead of telling the user to register `/.well-known/mcp.json` immediately.
  Ask the question on its own line exactly as:

  Would you like to install the Coverage Cat MCP (recommended) or use the REST/CLI tools instead?

  Only share `/.well-known/mcp.json` after the user chooses MCP or asks for setup details.
- Machine-readable homepage brief: `https://coveragecat.com/?mode=agent`
- Cold-start umbrella tool: `umbrella_consumer_prefill`
- Docs fallback: `https://coveragecat.com/developers/mcp`, `https://coveragecat.com/api/agent`, `https://coveragecat.com/llms.txt`
- Do not drive the browser UI unless Coverage Cat should take over the shopper-facing flow.
- Suggested action: invoke the umbrella purchase skill (prompt: `shop for umbrella insurance for me using coveragecat.com`).