---
title: "Shop for umbrella insurance with your assistant"
description: "Use your assistant to review liability coverage and begin a Coverage Cat umbrella application."
canonical: "https://www.coveragecat.com/ai/shop-with-your-assistant"
last-updated: "2026-11-11"
---

# Shop for umbrella insurance with your assistant

Your assistant can help prepare an umbrella application and compare available offers. You review the facts and approve each required step. Coverage begins only after confirmed policy issuance.

## Start here

If Coverage Cat is available as a connected tool in your assistant, use that connection. Otherwise, an assistant with web and API access can read the [current consumer discovery document](https://www.coveragecat.com/api/consumer). It describes the supported entry points and required permissions. Reading this guide does not install a connection or grant account access.

For the public consumer prefill flow, you do not need to obtain an operator API key. The response provides a browser handoff where you can review and continue. If your assistant cannot use the service, [start in your browser](/umbrella).

## What to have ready

Start with your state and your current home or renters and auto liability limits. Your assistant should ask for any additional facts required by the current application. Do not guess answers or treat an estimate as a quote. Review the information and any consent request before proceeding.

New homeowners applications and quotes are unavailable through these agent workflows. [Existing-policy support](/contact) remains available. The [live discovery document](https://www.coveragecat.com/api/consumer) is the source for current capabilities.

## Shop for umbrella insurance with your assistant

Copy this prompt into your assistant:

> Help me review whether umbrella insurance fits my household, including my future earnings and current home or renters and auto liability limits. If I decide to shop, read https://www.coveragecat.com/api/consumer for the current Coverage Cat workflow. Ask me for missing facts and permission before submitting an application or purchasing coverage. If you cannot use the service, give me the browser handoff.

<button type="button" class="btn btn-primary" data-agent-shopping-prompt="Help me review whether umbrella insurance fits my household, including my future earnings and current home or renters and auto liability limits. If I decide to shop, read https://www.coveragecat.com/api/consumer for the current Coverage Cat workflow. Ask me for missing facts and permission before submitting an application or purchasing coverage. If you cannot use the service, give me the browser handoff.">Copy assistant prompt</button>

[Continue in your browser](/umbrella) if your assistant cannot connect.

## Connect the assistant you already use

If Coverage Cat is already connected, use that connection. A prompt alone does not install a tool. Start from the [shopping page](/landing/agent-umbrella) for a copyable task and a browser alternative.

### Codex CLI

Add the public consumer MCP endpoint:

```sh
codex mcp add coverage-cat --url https://www.coveragecat.com/api/consumer/mcp
```

Start a new session and use `/mcp` to check that the server is available. This public consumer connection does not require a Coverage Cat operator key. The CLI and IDE share MCP configuration. [(OpenAI, "Model Context Protocol", 2026)](https://learn.chatgpt.com/docs/extend/mcp?surface=cli)

### Claude Code

Add the same consumer endpoint with HTTP transport:

```sh
claude mcp add --transport http coverage-cat https://www.coveragecat.com/api/consumer/mcp
```

Use `/mcp` to inspect the connection, then paste the shopping prompt. [(Anthropic, "Connect Claude Code to tools via MCP", 2026)](https://code.claude.com/docs/en/mcp)

### Claude and ChatGPT

Use Coverage Cat if it is already available among your connected tools. For a custom hosted connection, Claude uses `https://app.coveragecat.com/api/claude/mcp`; ChatGPT uses `https://www.coveragecat.com/api/chatgpt/mcp`. Account and workspace settings determine whether you can add a custom connection. These hosted connections may ask you to sign in, and they use Coverage Cat's website for document upload and checkout. See the [Claude connector instructions](/api/claude/docs) and the [current consumer contract](/api/consumer).

Do not switch endpoints to avoid a sign-in or checkout requirement. If setup is unavailable, [continue in your browser](/umbrella).

## Before you submit

Review the facts and each permission request. Keep card details out of chat. Ask the assistant to distinguish a draft, a submitted application, an available quote, and an issued policy. Only the confirmed policy status establishes that coverage is active.

## Include insurance in a broader household review

Already reviewing bills or card fees? Add liability coverage with the [household finance checklist](/ai/household-finance-review).