# Coverage Cat LLM Reference

> One-hop context for public Coverage Cat docs, action surfaces, and agent integrations.

Coverage Cat is an AI-native insurance broker with public insurance content, delegated purchase APIs, read-only tool APIs, and benchmark pages for insurance tasks.

## Preferred discovery order

1. Read the HTML hub at https://coveragecat.com/ai/skills or its markdown twin at https://coveragecat.com/ai/skills.md.
2. Fetch the shopper-safe machine-readable discovery document at https://coveragecat.com/api/consumer.
3. Fetch the shopper-safe OpenAPI contract at https://coveragecat.com/api/consumer/openapi.yaml.
4. If you need delegated operator flows or the full read-only tool contract, fetch https://coveragecat.com/api/agent and https://coveragecat.com/api/agent/openapi.yaml.
5. Read the developer portal at https://coveragecat.com/developers.
6. Download runtime markdown only when the agent needs a markdown-native skill file, or fetch the packaged Agent Plugin manifest.

## Developer portal

- Coverage Cat developer portal: https://coveragecat.com/developers
- Quickstart: https://coveragecat.com/developers/quickstart
- Auth docs: https://coveragecat.com/developers/auth
- Sandbox docs: https://coveragecat.com/developers/sandbox
- Get API key: https://coveragecat.com/developers/get-api-key
- OpenAPI docs: https://coveragecat.com/developers/openapi
- CLI docs: https://coveragecat.com/developers/cli
- MCP guide: https://coveragecat.com/developers/mcp
- Recommended MCP registration URL: https://coveragecat.com/.well-known/mcp.json
- Consumer MCP transport: https://coveragecat.com/api/consumer/mcp
- Consumer MCP well-known alias: https://coveragecat.com/.well-known/mcp.json
- Consumer MCP server card: https://coveragecat.com/.well-known/mcp/server-card.json
- Operator MCP transport: https://coveragecat.com/api/agent/mcp
- Operator MCP server card: https://coveragecat.com/developers/mcp/operator/server-card.json
- Pricing: https://coveragecat.com/pricing
- Contact: https://coveragecat.com/contact

## CLI

- Coverage Cat CLI docs: https://coveragecat.com/developers/cli
- Coverage Cat CLI npm package: https://www.npmjs.com/package/@coveragecat/cli
- Coverage Cat CLI Homebrew tap: https://github.com/Coverage-Cat/homebrew-coveragecat
- Coverage Cat Homebrew formula source: https://raw.githubusercontent.com/Coverage-Cat/homebrew-coveragecat/main/Formula/coveragecat.rb
- Coverage Cat CLI package source: https://github.com/Coverage-Cat/coveragecat-cli

## Markdown twins

- Homepage: https://coveragecat.com/index.md
- Public AGENTS.md alias: https://coveragecat.com/AGENTS.md
- Public agents guide: https://coveragecat.com/agents.md
- Public agents.txt: https://coveragecat.com/agents.txt
- Well-known agents.txt: https://coveragecat.com/.well-known/agents.txt
- Agent API hub: https://coveragecat.com/ai/skills.md
- Umbrella skill page: https://coveragecat.com/ai/skills/umbrella.md
- Homeowners skill page: https://coveragecat.com/ai/skills/homeowners.md
- Homeowners operator setup: https://coveragecat.com/ai/skills/homeowners/setup.md
- Coverage Cat Agent API: https://coveragecat.com/ai/coverage-cat-agent-api.md
- Auth and Rate Limits: https://coveragecat.com/ai/auth-and-rate-limits.md
- Sandbox and Testing: https://coveragecat.com/ai/sandbox-testing.md
- Delegated Umbrella Flow: https://coveragecat.com/ai/delegated-umbrella-flow.md
- Delegated Homeowners Flow: https://coveragecat.com/ai/delegated-homeowners-flow.md

## Coverage Cat Agent API hub

- [Coverage Cat Agent API Hub](/ai/skills): Coverage Cat Agent API, OpenAPI spec, skill docs, setup guides, and developer docs for consumer-prefill and delegated insurance workflows.
- [Coverage Cat Agent API](/ai/coverage-cat-agent-api): What Coverage Cat's public API can do, which docs to read first, and how the delegated umbrella, homeowners, and tool surfaces fit together.
- [Auth and Rate Limits](/ai/auth-and-rate-limits): How Coverage Cat issues bearer keys, when operator authentication is required, and what rate limits apply to the public agent surface.
- [Sandbox and Testing](/ai/sandbox-testing): How to rehearse Coverage Cat's delegated flows safely before live traffic, including browser and API-based sandbox paths.
- [Delegated Umbrella Flow](/ai/delegated-umbrella-flow): Step-by-step guidance for Coverage Cat's delegated umbrella workflow, from draft and review through quotes, selection, and bind progression.
- [Delegated Homeowners Flow](/ai/delegated-homeowners-flow): How Coverage Cat's homeowners direct handoff and operator-partner delegated loop differ, and what the delegated runtime needs to do on each step.

## Skill pages

- [Umbrella Purchase Skill](/ai/skills/umbrella): Consumer-prefill handoff plus delegated umbrella purchase flow for agents: prefill, run one review turn, fetch preliminary quotes, collect credit consent when the user selects an offer, upload declarations when required, then continue checkout in chat.
- [Homeowners Purchase Skill](/ai/skills/homeowners): Consumer-prefill handoff and operator-authenticated delegated homeowners intake flow with follow-up polling until offers are ready.
- [Homeowners Operator Setup](/ai/skills/homeowners/setup): One-time human setup guide for issuing, storing, rotating, and recovering operator keys used by the delegated homeowners API.

## Packaged skill aliases

- Insurance tools: https://coveragecat.com/agent-plugin/skills/insurance-tools/SKILL.md
- Homeowners insurance compare and purchase: https://coveragecat.com/agent-plugin/skills/homeowners-insurance-compare-and-purchase/SKILL.md
- Umbrella insurance compare and purchase: https://coveragecat.com/agent-plugin/skills/umbrella-insurance-compare-and-purchase/SKILL.md


## Runtime docs and discovery

- [Consumer Discovery JSON](https://coveragecat.com/api/consumer): Preferred machine-readable entry point for personal shopper agents and consumer-prefill flows.
- [Consumer OpenAPI Spec](https://coveragecat.com/api/consumer/openapi.yaml): Shopper-safe contract for consumer-prefill handoffs, coarse polling, and direct follow-up.
- [Discovery JSON](https://coveragecat.com/api/agent): Full machine-readable entry point for delegated purchase flows, read-only tools, auth notes, and URLs.
- [OpenAPI Spec](https://coveragecat.com/api/agent/openapi.yaml): Public contract for consumer-prefill handoffs, delegated umbrella and homeowners flows, and read-only tools.
- [Umbrella Skill Markdown](https://coveragecat.com/api/agent/skill.md): Downloadable runtime instructions for consumer-prefill and delegated umbrella purchase flows.
- [Homeowners Skill Markdown](https://coveragecat.com/api/agent/homeowners/skill.md): Downloadable runtime instructions for consumer-prefill, fallback handoff, and delegated homeowners flows.

## Read-only tool APIs

- Home insurance calculator API: Read-only home premium estimates from property and location inputs. API `/api/agent/calculators/home` and page /tools/home.
- Umbrella insurance calculator API: Read-only umbrella liability price ranges from ZIP code and risk profile. API `/api/agent/calculators/umbrella` and page /tools/umbrella.
- Auto insurance estimates API: Carrier-by-carrier auto premium estimates for a household profile. API `/api/agent/calculators/auto-estimates` and page /tools/auto-estimates.
- Collision and comprehensive coverage API: Read-only guidance for whether collision or comprehensive coverage still pencils out. API `/api/agent/calculators/collision-and-comprehensive-coverage` and page /tools/collision-and-comprehensive-coverage.
- Auto claim filing break-even calculator API: Read-only claim-decision help for at-fault accident and other claim scenarios. API `/api/agent/calculators/file-a-claim` and page /tools/file-a-claim.
- Homeowners agent finder API: Read-only search for homeowners agents by geography. API `/api/agent/tools/homeowners-agents/search` and page /tools/find-an-agent.

## Notes

- Personal consumer shopping should start from the shopper-safe consumer discovery/OpenAPI pair or the default consumer MCP, not the delegated operator surface.
- Umbrella delegated purchase and delegated homeowners are authenticated flows.
- Homeowners delegated quotes require an operator-issued bearer key.
- The public tool APIs are read-only and rate limited.
- The homepage and CMS pages also support `Accept: text/markdown` even without `.md` suffixes.
- The public AGENTS guide lives at https://coveragecat.com/AGENTS.md, https://coveragecat.com/agents.md and https://coveragecat.com/.well-known/agents.md.
- The plain-text agent discovery files live at https://coveragecat.com/agents.txt and https://coveragecat.com/.well-known/agents.txt.
- The well-known discovery file lives at https://coveragecat.com/.well-known/agent.json.
- The packaged Agent Plugin manifest lives at https://coveragecat.com/agent-plugin/plugin.json.
- The MCP well-known alias lives at https://coveragecat.com/.well-known/mcp.json.
- The consumer MCP server card lives at https://coveragecat.com/.well-known/mcp/server-card.json.
- The operator MCP server card lives at https://coveragecat.com/developers/mcp/operator/server-card.json.
- Register ChatGPT and most MCP hosts with https://coveragecat.com/.well-known/mcp.json. For local Codex direct transport, use https://coveragecat.com/api/consumer/mcp. Use the embedded docs_list_topics, docs_search, and docs_get_resource tools on that same connection when you need Coverage Cat docs.
- 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.
- Additional well-known discovery files live at https://coveragecat.com/.well-known/agent-skills/index.json, https://coveragecat.com/.well-known/ai-catalog.json, and https://coveragecat.com/.well-known/api-catalog.