---
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://www.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)