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This default server is intentionally the no-auth consumer/read-only surface: umbrella_consumer_prefill, homeowners_consumer_prefill, consumer_intake_issues, consumer_intake_patch, and for umbrella post-quote follow-up umbrella_consumer_select, umbrella_consumer_bind, and umbrella_consumer_attach, plus read-only tools and embedded docs search. 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.\nAsk the question on its own line exactly as:\n\nWould you like to install the Coverage Cat MCP (recommended) or use the REST/CLI tools instead?\n\nOnly share `/.well-known/mcp.json` after the user chooses MCP or asks for setup details. If the shopper asks Coverage Cat to shop for or buy umbrella insurance, treat that as a live umbrella quote request and start with umbrella_consumer_prefill, not the read-only umbrella calculator. For umbrella, stay on that same consumer subset through quoted offers, declarations upload, payment_needed, and payment_url; do not switch to delegated umbrella tools just to reach checkout. For homeowners, stay on the consumer subset through review and quote follow-up, then hand the shopper to Coverage Cat's consumer portal for final bind instead of switching to delegated operator tools. For homeowners consumer-prefill, on a cold start ask only for the shopper's full name, email, property address, and whether the property should be treated as standard homeowners, condo, or landlord coverage. If that coverage type is still unknown, ask the shopper to reply with exactly one of `standard homeowners`, `condo`, or `landlord`, then enrich from user-controlled context, property records, Zillow, and Realtor.com before asking anything else. Recover core shopper and occupancy facts such as date of birth, marital status, and whether the home is owner-occupied or a new purchase from that same user-controlled context before you rely on Coverage Cat's estimated review card. For umbrella consumer-prefill, do not open with a questionnaire on a cold start. Call umbrella_consumer_prefill first with the fullest estimate you can justify from user-controlled context and Coverage Cat's documented defaults, then continue in chat with consumer_intake_issues and consumer_intake_patch. On the initial consumer umbrella handoff, prefer sending only intake; add top-level field_estimates only when you are certain each field already matches a current umbrella review field path. Use canonical consumer umbrella keys such as address.street, address.city, address.state, address.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 for umbrella counts. Avoid top-level street/city/state/zip, drivers_license_state, drivers_license_number, net_worth, or desired_umbrella_liability_limit. Do not send vehicles rows before submission. Use vehicle_count or umbrella_details.motorized_vehicle_count for the household vehicle count; actual vehicle details are collected later only if a selected offer requires them, such as a Markel bind follow-up. On every pre-submit user-facing turn, say explicitly that the application is not submitted yet and Coverage Cat has not received a submitted application yet. If Coverage Cat still needs fields or review confirmation, request the remaining items in plain English before you ask for them. When you list gathered details, reviewed facts, or remaining items for the shopper, format them as short labeled bullets or sections rather than a prose paragraph. If any shown value is estimated, mark each estimated bullet label or value with `*`, include the short note `* = estimated` once above and once below the list, and do not prefix every estimated line with `[Estimated]`. Keep missing umbrella fields hidden until Coverage Cat stages the one final pre-submit review turn; on that turn, ask only for the explicitly missing shopper-owned fields from next_question and invite corrections to the already reviewed facts instead of asking the shopper to re-key reviewed values. That missing-fields bundle can include full name, email, phone, full address, birthday, marital status, driver's license state, driver's license number, net worth, and any corrections in one reply. If the staged review shows a wrong estimated umbrella count from context, patch the canonical umbrella_details.* count field before you show the final review. If Coverage Cat says it reused a recent in-progress umbrella draft for the same email address, tell the shopper the reviewed values may come from that earlier unfinished Coverage Cat application. Do not call those reused values historical_mode unless the matching field_estimates row actually says source historical_mode. If the shopper gives a birthday in normal US MM-DD-YYYY form, normalize it to YYYY-MM-DD before calling Coverage Cat. Do not ask for credit consent on pre-submit review turns. Once the shopper is choosing an offer, you may collect the real user's Yes in that same reply so umbrella_consumer_select can proceed without a second consent-only turn. Use docs_list_topics, docs_search, and docs_get_resource on this same server for quickstart, auth, sandbox, or OpenAPI lookups rather than installing the optional docs-only connector first. Use the delegated/operator MCP at https://www.coveragecat.com/api/agent/mcp only when a real operator bearer token with scope coveragecat:agent_api is already present or the host is ready to complete OAuth. For the full REST contract use https://www.coveragecat.com/api/agent and https://www.coveragecat.com/api/agent/openapi.yaml.","name":"coverage-cat-product-mcp","protocolVersion":"2025-11-25","protocolVersions":["2025-11-25"],"resourceCount":19,"resources":[{"_meta":{"openai/widgetCSP":{"connect_domains":["https://www.coveragecat.com"],"resource_domains":[]},"openai/widgetDescription":"Interactive Coverage Cat MCP app for calculators and delegated insurance workflows.","openai/widgetPrefersBorder":true,"ui":{"csp":{"connectDomains":["https://www.coveragecat.com"],"resourceDomains":[]},"prefersBorder":true},"ui/prefersBorder":true},"description":"Interactive Coverage Cat MCP app for home insurance calculator.","mimeType":"text/html;profile=mcp-app","name":"Home insurance calculator","title":"Home insurance 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On a cold start, call this before asking the shopper a questionnaire. Assemble the fullest estimate you can justify from user-controlled context, let Coverage Cat stage the one-review handoff, and keep the user out of a step-by-step questionnaire. On the initial consumer umbrella handoff, prefer sending only intake; add top-level field_estimates only when you are certain each field already matches a current umbrella review field path. Use canonical consumer umbrella keys such as address.street, address.city, address.state, address.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 for umbrella counts. Avoid top-level street/city/state/zip, drivers_license_state, drivers_license_number, net_worth, or desired_umbrella_liability_limit. Do not send vehicles rows before submission. Use vehicle_count or umbrella_details.motorized_vehicle_count for the household vehicle count; actual vehicle details are collected later only if a selected offer requires them, such as a Markel bind follow-up. Stay on the same consumer-operated MCP subset through quoted offers, declarations upload, payment_needed, and payment_url; do not switch to delegated tools just to reach checkout. Until a later follow-up response shows quote progress, tell the shopper explicitly that the application is not submitted yet. When you summarize the staged review or remaining items, use short labeled bullets or sections rather than a prose paragraph. If any shown value is estimated, mark each estimated bullet label or value with `*`, include the short note `* = estimated` once above and once below the list, and do not prefix every estimated line with `[Estimated]`. If Coverage Cat says it reused a recent in-progress umbrella draft for the same email address, tell the shopper the reviewed values may come from that earlier unfinished Coverage Cat application. Do not call those reused values historical_mode unless the matching field_estimates row actually says source historical_mode.","inputSchema":{"additionalProperties":false,"properties":{"credit_consent_pending":{"const":true,"description":"Must be true. Coverage Cat collects consent for a soft credit check only after an umbrella offer is chosen.","type":"boolean"},"field_estimates":{"description":"Optional estimate metadata. On the initial consumer umbrella handoff, prefer omitting this unless each field path already matches a current umbrella review field.","items":{"additionalProperties":true,"type":"object"},"type":"array"},"intake":{"additionalProperties":true,"description":"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, desired_coverage_limit, required_coverage_e_limit, and vehicle_count or umbrella_details.motorized_vehicle_count for umbrella counts. Do not send vehicles rows before submission.","type":"object"}},"required":["credit_consent_pending","intake"],"type":"object"},"name":"umbrella_consumer_prefill","securitySchemes":[{"type":"noauth"}],"title":"Umbrella consumer prefill handoff"},{"_meta":{"coverageCat":{"audience":"consumer_agent","consumerOperatedDefault":true,"flow":"consumer_prefill","line":"homeowners","preferredWithoutOperatorAuth":true,"restMethod":"POST","restUrl":"https://www.coveragecat.com/api/consumer/homeowners/prefill"}},"annotations":{"idempotentHint":false,"openWorldHint":false,"readOnlyHint":false},"description":"Preferred homeowners MCP entry point when a shopper wants Coverage Cat to shop for, compare, or buy homeowners insurance and no operator bearer token is present. On a cold start, ask only for the user's name, email, property address, and whether this should be standard homeowners, condo, or landlord coverage. If that coverage type is still unknown, ask the shopper to reply with exactly one of `standard homeowners`, `condo`, or `landlord`, then assemble the fullest homeowners application from user-controlled context and property sources before handing off to Coverage Cat. Recover core shopper and occupancy facts such as date of birth, marital status, and owner-occupied vs new-purchase from that context before relying on Coverage Cat's estimated review card. Stay on the same consumer-operated MCP subset through review and quote follow-up; final bind continues in Coverage Cat's consumer portal rather than through delegated tools. On the review turn, tell the shopper explicitly that the application is not submitted yet and present gathered details or remaining items as short labeled bullets or sections rather than a prose paragraph. If any shown value is estimated, mark each estimated bullet label or value with `*`, include the short note `* = estimated` once above and once below the list, and do not prefix every estimated line with `[Estimated]`.","inputSchema":{"additionalProperties":false,"properties":{"credit_consent_pending":{"const":true,"description":"Must be true. 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Before submission, say explicitly that the application is not submitted yet. Present gathered details, review facts, and remaining items as short labeled bullets or sections rather than a prose paragraph. If any shown value is estimated, mark each estimated bullet label or value with `*`, include the short note `* = estimated` once above and once below the list, and do not prefix every estimated line with `[Estimated]`. For homeowners, treat missing_fields as a hidden enrichment backlog, keep recovering core shopper and occupancy facts from user-controlled context, and reserve one final review turn. For umbrella, keep missing fields hidden until Coverage Cat stages the single pre-submit review turn, then ask only for the explicitly missing shopper-owned fields in next_question and invite corrections to the reviewed facts instead of asking the shopper to re-key reviewed values before reading structured quotes and post-choose states. If the staged review shows a wrong estimated umbrella count from context, patch the canonical umbrella_details.* count field before you show the final review. If Coverage Cat says it reused a recent in-progress umbrella draft for the same email address, tell the shopper the reviewed values may come from that earlier unfinished Coverage Cat application. Do not call those reused values historical_mode unless the matching field_estimates row actually says source historical_mode. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD before you patch Coverage Cat.","inputSchema":{"additionalProperties":false,"properties":{"intake_access_token":{"description":"Short-lived bearer returned by a consumer prefill response. Always reuse the freshest token returned by the latest follow-up tool call.","type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token"],"type":"object"},"name":"consumer_intake_issues","securitySchemes":[{"type":"noauth"}],"title":"Consumer intake follow-up status"},{"_meta":{"coverageCat":{"audience":"consumer_agent","consumerOperatedDefault":true,"flow":"consumer_follow_up","preferredWithoutOperatorAuth":true,"restMethod":"PATCH","restUrl":"https://www.coveragecat.com/api/intake/{uid}"}},"annotations":{"idempotentHint":false,"openWorldHint":false,"readOnlyHint":false},"description":"Patch a consumer-prefill homeowners or umbrella handoff in chat. This submit/update tool stays in the default consumer-operated MCP subset; do not switch to delegated tools when no operator bearer key is present. For homeowners, use `intake` to add context-backed or property-backed answers while keeping the user out of a questionnaire until the one-time review. For umbrella, use the staged review turn to send only the explicitly missing shopper-owned details plus any corrections to reviewed facts, and set confirm_submission only on that same final review confirmation. Use canonical consumer umbrella keys such as `address.street`, `address.city`, `address.state`, `address.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` for umbrella counts. Avoid top-level `street`/`city`/`state`/`zip`, `drivers_license_state`, `drivers_license_number`, `net_worth`, or `desired_umbrella_liability_limit`. If the staged review shows a wrong estimated umbrella count from context, patch the canonical `umbrella_details.*` count field before you show the final review. Do not send vehicles rows on this pre-submit patch; actual vehicle details stay in the later bind-stage flow if a selected offer requires them. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD before you send them. Recover context-backed answers before you depend on Coverage Cat's estimated review card, tell the user the application is not submitted yet until you actually submit it, present gathered details or remaining items as short labeled bullets or sections rather than a prose paragraph, and if any shown value is estimated, mark each estimated bullet label or value with `*`, include the short note `* = estimated` once above and once below the list, and do not prefix every estimated line with `[Estimated]`. Do not ask for umbrella credit consent here.","inputSchema":{"additionalProperties":false,"properties":{"confirm_submission":{"description":"Set true only on the single final review turn.","type":"boolean"},"field_estimates":{"description":"Umbrella-only estimate metadata for inferred values included in the same patch. Omit it unless you are certain each field path matches a current umbrella review field.","items":{"additionalProperties":true,"type":"object"},"type":"array"},"intake":{"additionalProperties":true,"description":"Top-level intake edits. For umbrella, send only missing shopper-owned details, corrections, or canonical umbrella count fixes such as umbrella_details.motorized_vehicle_count. Do not send vehicles rows on this pre-submit patch.","type":"object"},"intake_access_token":{"description":"Short-lived bearer returned by a consumer prefill response. 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If Coverage Cat 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.","inputSchema":{"additionalProperties":false,"properties":{"credit_consent":{"additionalProperties":true,"type":"object"},"intake":{"additionalProperties":true,"description":"Optional bind-stage answers for the current next_question when Coverage Cat asked for consent and bind details in the same shopper-facing turn.","type":"object"},"intake_access_token":{"type":"string"},"selection_confirmed":{"const":true,"type":"boolean"},"selection_token":{"type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token","selection_token","selection_confirmed"],"type":"object"},"name":"umbrella_consumer_select","securitySchemes":[{"type":"noauth"}],"title":"Umbrella consumer offer select"},{"_meta":{"coverageCat":{"audience":"consumer_agent","consumerOperatedDefault":true,"flow":"consumer_follow_up","line":"umbrella","preferredWithoutOperatorAuth":true,"restMethod":"POST","restUrl":"https://www.coveragecat.com/api/intake/{uid}/bind","supportsDirectCheckout":true}},"annotations":{"idempotentHint":false,"openWorldHint":false,"readOnlyHint":false},"description":"Continue the consumer-prefill umbrella bind follow-up only after select returns needs_more_info_to_bind or ready_to_finalize. Stay on the same consumer-operated MCP subset and send only the current bind-stage fields inside `intake`. This later bind-stage follow-up is where actual vehicle details may appear for selected offers such as Markel; do not move that question into the pre-submit review.","inputSchema":{"additionalProperties":false,"properties":{"intake":{"additionalProperties":true,"type":"object"},"intake_access_token":{"type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token"],"type":"object"},"name":"umbrella_consumer_bind","securitySchemes":[{"type":"noauth"}],"title":"Umbrella consumer bind continuation"},{"_meta":{"coverageCat":{"audience":"consumer_agent","consumerOperatedDefault":true,"flow":"consumer_follow_up","line":"umbrella","preferredWithoutOperatorAuth":true,"restMethod":"POST","restUrl":"https://www.coveragecat.com/api/intake/{uid}/attach","supportsDirectCheckout":true}},"annotations":{"idempotentHint":false,"openWorldHint":false,"readOnlyHint":false},"description":"Upload declarations or auto declarations during the consumer-prefill umbrella post-choose flow. 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