---
title: "Coverage Cat Agent API"
description: "What Coverage Cat's public API can do, which docs to read first, and how the delegated umbrella, homeowners, and tool surfaces fit together."
canonical: "https://www.coveragecat.com/ai/coverage-cat-agent-api"
last-updated: "2026-08-13"
---

# Coverage Cat Agent API

Coverage Cat exposes a small public agent surface for delegated insurance workflows and read-only pricing tools.

## Start with the right document

- [Coverage Cat Agent API hub](/ai/skills)
- [Agent API discovery JSON](/api/agent)
- [OpenAPI spec](/api/agent/openapi.yaml)
- [Umbrella skill markdown](/api/agent/skill.md)
- [Homeowners skill markdown](/api/agent/homeowners/skill.md)

## What the API can do

### Delegated umbrella purchase

Agents can build or update an umbrella intake, collect review and consent from the real user, request quotes, select an offer, upload declarations when required, and continue the bind loop with the public umbrella endpoints.

### Homeowners purchase flows

Coverage Cat supports two homeowners patterns. Path 1 is a direct homeowner handoff to [the intake flow](https://www.coveragecat.com/intake). Path 2 is the operator-partner delegated loop, which uses an operator-issued bearer key and async quote polling.

### Read-only tools

The same public agent surface includes pricing and decision APIs for home insurance, umbrella insurance, auto estimates, collision and comprehensive decisions, claim decisions, and the homeowners-agent finder.

## Recommended reading order

1. Read [Auth and Rate Limits](/ai/auth-and-rate-limits) before you store keys or build retries.
2. Read [Sandbox and Testing](/ai/sandbox-testing) before your first rehearsal.
3. Read the workflow guide for the flow you are integrating.

## Next steps

- **Learn:** Read [What Coverage Cat does](/what-we-do), browse [insurance guides](/insurance-types), or scan the [FAQ](/faq).
- **Estimate:** Use the [home insurance calculator](/tools/home), [umbrella insurance calculator](/tools/umbrella), or [carrier price comparison](/tools/auto-estimates).
- **Compare:** Start a [Coverage Cat quote comparison](https://www.coveragecat.com/intake) when you want licensed broker help and real quotes.
- **Integrate:** Explore the [Coverage Cat Agent API hub](/ai/skills), the [discovery document](/api/agent), and the [OpenAPI spec](/api/agent/openapi.yaml).