---
title: "Delegated Homeowners Flow"
description: "How Coverage Cat's homeowners direct handoff and operator-partner delegated loop differ, and what the delegated runtime needs to do on each step."
canonical: "https://www.coveragecat.com/ai/delegated-homeowners-flow"
last-updated: "2026-08-13"
---

# Delegated Homeowners Flow

Coverage Cat's homeowners docs describe two different paths. Pick one before you start.

## Path 1: Direct homeowner handoff

Send the homeowner to [Coverage Cat intake](https://www.coveragecat.com/intake) and stop there. This is the lowest-friction option when you do not need the delegated operator loop.

## Path 2: Operator-partner delegated quotes

Use `POST /api/agent/homeowners/quotes` with an operator-issued bearer key. Omit `uid` on the first create call, then reuse the returned `uid` on every follow-up request. Poll the same endpoint until the request status changes.

## What the delegated loop must handle

- fill missing fields from approved source systems first
- hold the soft-credit authorization step for the real homeowner
- keep polling until quotes are ready
- decide whether to share `homeowner_quotes_request_login_url` with the customer or mint an operator browser session from the dashboard endpoint

## Runtime references

- [Homeowners purchase skill page](/ai/skills/homeowners)
- [Homeowners operator setup](/ai/skills/homeowners/setup)
- [Homeowners skill markdown](/api/agent/homeowners/skill.md)
- [OpenAPI spec](/api/agent/openapi.yaml)

## 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).