{"consumer_openapi_url":"https://www.coveragecat.com/api/consumer/openapi.yaml","auth":{"auth_md_url":"https://www.coveragecat.com/auth.md","authorization_endpoint":"https://www.coveragecat.com/oauth2/authorize","authorization_server_metadata_url":"https://www.coveragecat.com/.well-known/oauth-authorization-server","claim_endpoint":"https://www.coveragecat.com/agent/identity/claim","claim_uri":"https://www.coveragecat.com/agent/auth/claim","homeowners":{"requirement":"New homeowners applications and quotes are retired. Existing-policy support uses an existing intake access token or account context."},"identity_endpoint":"https://www.coveragecat.com/agent/identity","key_issuance":{"confirm_otp":"https://www.coveragecat.com/api/agent/key/confirm","note":"For delegated operator MCP hosts, prefer standard OAuth authorization-code + PKCE at /oauth2/authorize with resource /api/agent/mcp. Coverage Cat also supports the service-owned claim flow: create a claim at /agent/identity, send the user to Coverage Cat's claim page, poll /agent/identity/claim or use the claim grant at /oauth2/token, then exchange the returned id-jag with the JWT bearer grant at /oauth2/token to receive a bearer token. The older request_otp/confirm_otp path still works for compatibility, and the legacy field name code is still accepted.","request_otp":"https://www.coveragecat.com/api/agent/key/request","rotate":"https://www.coveragecat.com/api/agent/key/rotate","setup_guide_url":"https://www.coveragecat.com/developers/get-api-key"},"oauth_revocation_endpoint":"https://www.coveragecat.com/oauth2/revoke","protected_resource_metadata_url":"https://www.coveragecat.com/.well-known/oauth-protected-resource","register_uri":"https://www.coveragecat.com/agent/auth","revocation_uri":"https://www.coveragecat.com/agent/auth/revoke","token_endpoint":"https://www.coveragecat.com/oauth2/token","type":"bearer"},"operator_mcp_server_card_url":"https://www.coveragecat.com/developers/mcp/operator/server-card.json","tool_rate_limits":{"authenticated_operator":"30 requests per minute","ip_fallback":"8 requests per minute"},"skill_versions":{"homeowners":"1.0.0","openapi":"1.0.0","umbrella":"1.0.0"},"service":"coverage-cat-agent-api","description":"Discovery document for Coverage Cat's full public agent surface. ChatGPT should connect to /api/chatgpt/mcp for website checkout. Other personal consumer agents should start with the consumer discovery and consumer OpenAPI URLs below; delegated `/api/agent/*` purchase operations require operator auth.","recommended_chatgpt_registration_url":"https://www.coveragecat.com/api/chatgpt/mcp","skill_url":"https://www.coveragecat.com/api/agent/skill.md","developer_portal_url":"https://www.coveragecat.com/developers","operator_mcp_url":"https://www.coveragecat.com/api/agent/mcp","cli_source_url":"https://github.com/Coverage-Cat/coveragecat-cli","agent_plugin_url":"https://www.coveragecat.com/agent-plugin/plugin.json","product_mcp_url":"https://www.coveragecat.com/api/consumer/mcp","purchase_flows":[{"browser_fallback_url":"https://www.coveragecat.com/umbrella","consumer_checkout_note":"Consumer-operated agents should stay on the default consumer MCP subset through quoted offers, declarations upload, payment_needed, secure payment UI when available, payment_url fallback, and later umbrella_consumer_policy/umbrella_consumer_service follow-up instead of switching to delegated umbrella tools.","consumer_checkout_prepare_status":"payment_collection_ready","consumer_checkout_status":"payment_needed","consumer_checkout_tool_name":"umbrella_consumer_payment","consumer_checkout_url_field":"payment_url","consumer_mcp_url":"https://www.coveragecat.com/api/consumer/mcp","consumer_prefill_url":"https://www.coveragecat.com/api/consumer/umbrella/prefill","consumer_status_url_template":"https://www.coveragecat.com/api/consumer/status?token={polling_token}","default_for_consumer_agents":true,"default_mcp_server_url":"https://www.coveragecat.com/.well-known/mcp.json","default_mcp_tool_names":["umbrella_consumer_prefill","consumer_intake_issues","consumer_intake_verify_email","consumer_intake_patch","umbrella_consumer_select","umbrella_consumer_bind","umbrella_consumer_attach","umbrella_consumer_payment","umbrella_consumer_policy","umbrella_consumer_service"],"direct_attach_url_template":"https://www.coveragecat.com/api/intake/{uid}/attach","direct_bind_url_template":"https://www.coveragecat.com/api/intake/{uid}/bind","direct_issue_status_url_template":"https://www.coveragecat.com/api/intake/{uid}/issues","direct_patch_url_template":"https://www.coveragecat.com/api/intake/{uid}","direct_payment_url_template":"https://www.coveragecat.com/api/intake/{uid}/payment","direct_policy_url_template":"https://www.coveragecat.com/api/intake/{uid}/policy","direct_select_url_template":"https://www.coveragecat.com/api/intake/{uid}/select","direct_service_url_template":"https://www.coveragecat.com/api/intake/{uid}/service","id":"umbrella","landing_page_url":"https://www.coveragecat.com/ai/skills/umbrella","name":"Umbrella purchase flows","openapi_url":"https://www.coveragecat.com/api/agent/openapi.yaml","operations":[{"audience":"consumer_agent","authentication":"none","contract":{"approvalRequired":false,"approvalScope":"none","classification":"write","sideEffects":["stores_application_draft","may_apply_field_estimates"]},"id":"consumer_prefill","mcp_tool_name":"umbrella_consumer_prefill","method":"POST","url":"https://www.coveragecat.com/api/consumer/umbrella/prefill"},{"audience":"consumer_agent","authentication":"polling_token","contract":{"approvalRequired":false,"approvalScope":"none","classification":"write","sideEffects":["may_advance_synthetic_checkout","may_issue_synthetic_policy"]},"id":"consumer_status","method":"GET","url_template":"https://www.coveragecat.com/api/consumer/status?token={polling_token}"},{"audience":"consumer","id":"direct_start_fallback","method":"BROWSER","url":"https://www.coveragecat.com/umbrella"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalRequired":false,"approvalScope":"none","classification":"write","sideEffects":["records_agent_attribution","rotates_follow_up_access","may_advance_synthetic_checkout","may_issue_synthetic_policy"]},"id":"direct_issue_status","mcp_tool_name":"consumer_intake_issues","method":"GET","url_template":"https://www.coveragecat.com/api/intake/{uid}/issues"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["application_revision","coverage_change","effective_date_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","sideEffects":["stores_application_updates","may_submit_application","may_trigger_quote_generation","may_send_follow_up_reply"]},"id":"direct_patch","mcp_tool_name":"consumer_intake_patch","method":"PATCH","url_template":"https://www.coveragecat.com/api/intake/{uid}"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["offer_revision","coverage_change","effective_date_change","price_change","um_uim_election_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","sideEffects":["selects_offer","collects_consumer_report_authorization","may_start_bind_follow_up"]},"id":"direct_select","mcp_tool_name":"umbrella_consumer_select","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/select"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["offer_revision","coverage_change","effective_date_change","price_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","sideEffects":["advances_bind_workflow","may_send_bind_answers_to_carrier"]},"id":"direct_bind","mcp_tool_name":"umbrella_consumer_bind","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/bind"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["selected_offer_revision","payment_method_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","hostedSecretDelivery":"secure_ui_or_browser_fallback_only","sideEffects":["creates_secure_payment_collection_session","registers_reusable_payment_method"]},"id":"direct_payment","mcp_tool_name":"umbrella_consumer_payment","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/payment"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["attachment_set_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","sideEffects":["uploads_customer_documents","may_trigger_document_review"]},"id":"direct_attach","mcp_tool_name":"umbrella_consumer_attach","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/attach"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalRequired":false,"approvalScope":"none","classification":"write","sideEffects":["records_agent_attribution","rotates_follow_up_access"]},"id":"direct_policy","mcp_tool_name":"umbrella_consumer_policy","method":"GET","url_template":"https://www.coveragecat.com/api/intake/{uid}/policy"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["request_type_change","requested_effective_date_change","request_details_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","sideEffects":["opens_policy_service_request","may_trigger_support_follow_up"]},"id":"direct_service","mcp_tool_name":"umbrella_consumer_service","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/service"},{"audience":"operator","authentication":"operator_bearer","id":"draft","method":"POST","url":"https://www.coveragecat.com/api/agent/umbrella/draft"},{"audience":"operator","authentication":"operator_bearer","id":"quotes","method":"POST","url":"https://www.coveragecat.com/api/agent/umbrella/quotes"},{"audience":"operator","authentication":"operator_bearer","id":"select","method":"POST","url":"https://www.coveragecat.com/api/agent/umbrella/select"},{"audience":"operator","authentication":"operator_bearer","id":"bind","method":"POST","url":"https://www.coveragecat.com/api/agent/umbrella/bind"},{"audience":"operator","authentication":"operator_bearer","id":"status","method":"POST","url":"https://www.coveragecat.com/api/agent/umbrella/status"},{"audience":"operator","authentication":"operator_bearer","id":"attach","method":"POST","url":"https://www.coveragecat.com/api/agent/umbrella/attach"}],"operator_mcp_server_card_url":"https://www.coveragecat.com/developers/mcp/operator/server-card.json","operator_mcp_url":"https://www.coveragecat.com/api/agent/mcp","skill_url":"https://www.coveragecat.com/api/agent/skill.md","skill_version":"1.0.0","supports_consumer_checkout":true}],"cli_package_name":"@coveragecat/cli","note":"Coverage Cat offers consumer-prefill and delegated umbrella purchase flows. In ChatGPT, use the tools advertised by the dedicated ChatGPT MCP and finish checkout on the Coverage Cat website. Other personal agents should use the consumer MCP or REST surface with the existing session or intake token. New homeowners applications and quotes are retired; policy_support describes existing-policy status, documents, and support operations. Use shopper data only for insurance purchase and policy support.","consumer_mcp_server_card_url":"https://www.coveragecat.com/.well-known/mcp/server-card.json","openapi_url":"https://www.coveragecat.com/api/agent/openapi.yaml","mcp_server_card_url":"https://www.coveragecat.com/.well-known/mcp/server-card.json","consumer_openapi_json_url":"https://www.coveragecat.com/api/consumer/openapi.json","supported_lines":["umbrella","auto"],"cli_homebrew_tap":"Coverage-Cat/coveragecat","mcp_servers":[{"authentication":"No delegated OAuth is required on this default consumer MCP. Consumer-prefill tools are public, and direct follow-up prefers the hidden MCP session after prefill while also accepting the freshest rotated intake_access_token on the same MCP tools when a host is stateless.","consumer_checkout_note":"Start new umbrella applications with umbrella_consumer_prefill and stay on the returned consumer session or intake_access_token follow-up. Existing homeowners policy status, documents, and support remain available through the policy_support operations. New homeowners applications and quotes are retired. Use shopper data only for insurance purchase and policy support.","consumer_operated_tool_subset":{"homeowners":["consumer_intake_issues","consumer_intake_patch","homeowners_consumer_policy","homeowners_consumer_service"],"umbrella":["umbrella_consumer_prefill","consumer_intake_issues","consumer_intake_verify_email","consumer_intake_patch","umbrella_consumer_select","umbrella_consumer_bind","umbrella_consumer_attach","umbrella_consumer_payment","umbrella_consumer_policy","umbrella_consumer_service"]},"default_for_consumer_agents":true,"id":"product","manifest_url":"https://www.coveragecat.com/.well-known/mcp.json","name":"Coverage Cat Insurance","rpc_url":"https://www.coveragecat.com/api/consumer/mcp","server_card_url":"https://www.coveragecat.com/.well-known/mcp/server-card.json","transport":"streamable-http","well_known_url":"https://www.coveragecat.com/.well-known/mcp.json"},{"checkout_mode":"website","consumer_checkout_note":"Use this connection's advertised tools to compare and select insurance. Present checkout_url or payment_url so the shopper can complete document uploads and final checkout on Coverage Cat's website, then resume status and policy follow-up on the same connection.","default_for_chatgpt":true,"id":"chatgpt","name":"Coverage Cat for ChatGPT","rpc_url":"https://www.coveragecat.com/api/chatgpt/mcp","transport":"streamable-http"},{"authentication":"Delegated umbrella tools require an operator bearer key on the MCP request or an OAuth-capable host.","default_for_consumer_agents":false,"delegated_tool_families":["umbrella"],"id":"operator","name":"Coverage Cat Operator MCP","rpc_url":"https://www.coveragecat.com/api/agent/mcp","server_card_url":"https://www.coveragecat.com/developers/mcp/operator/server-card.json","transport":"streamable-http"}],"cli_npm_package_url":"https://www.npmjs.com/package/@coveragecat/cli","contact_url":"https://www.coveragecat.com/contact","consumer_openapi_markdown_url":"https://www.coveragecat.com/api/consumer/openapi.yaml.md","pricing_url":"https://www.coveragecat.com/pricing","openapi_markdown_url":"https://www.coveragecat.com/api/agent/openapi.yaml.md","landing_page_url":"https://www.coveragecat.com/ai/skills/umbrella","cli_docs_url":"https://www.coveragecat.com/developers/cli","cli_homebrew_formula_url":"https://raw.githubusercontent.com/Coverage-Cat/homebrew-coveragecat/main/Formula/coveragecat.rb","policy_support":[{"line":"homeowners","operations":[{"audience":"consumer_agent","authentication":"polling_token","contract":{"approvalRequired":false,"approvalScope":"none","classification":"write","sideEffects":["may_advance_synthetic_checkout","may_issue_synthetic_policy"]},"id":"consumer_status","method":"GET","url_template":"https://www.coveragecat.com/api/consumer/status?token={polling_token}"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalRequired":false,"approvalScope":"none","classification":"write","sideEffects":["records_agent_attribution","rotates_follow_up_access","may_advance_synthetic_checkout","may_issue_synthetic_policy"]},"id":"direct_issue_status","mcp_tool_name":"consumer_intake_issues","method":"GET","url_template":"https://www.coveragecat.com/api/intake/{uid}/issues"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["application_revision","coverage_change","effective_date_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","sideEffects":["stores_application_updates","may_submit_application","may_trigger_quote_generation","may_send_follow_up_reply"]},"description":"Reply to existing-policy support correspondence; new homeowners applications and submissions are unavailable.","id":"direct_patch","mcp_tool_name":"consumer_intake_patch","method":"PATCH","url_template":"https://www.coveragecat.com/api/intake/{uid}"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalRequired":false,"approvalScope":"none","classification":"write","sideEffects":["records_agent_attribution","rotates_follow_up_access"]},"id":"direct_policy","mcp_tool_name":"homeowners_consumer_policy","method":"GET","url_template":"https://www.coveragecat.com/api/intake/{uid}/policy"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","contract":{"approvalInvalidatedBy":["request_type_change","requested_effective_date_change","request_details_change"],"approvalRequired":true,"approvalScope":"per_invocation","classification":"sensitive_write","sideEffects":["opens_policy_service_request","may_trigger_support_follow_up"]},"id":"direct_service","mcp_tool_name":"homeowners_consumer_service","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/service"}]}],"versioning":{"current_version":"v1","deprecation_policy":"Coverage Cat keeps `v1` as the current stable agent API version by default. If a future version supersedes it, Coverage Cat will announce the change in the developer portal and emit `Deprecation` and `Sunset` headers on the retiring version for at least 90 days before removal.","header":"Coverage-Cat-API-Version","skill_header":"X-Skill-Version"},"consumer_discovery_url":"https://www.coveragecat.com/api/consumer","cli_homebrew_tap_url":"https://github.com/Coverage-Cat/homebrew-coveragecat","mcp_well_known_url":"https://www.coveragecat.com/.well-known/mcp.json","consumer_mcp_url":"https://www.coveragecat.com/api/consumer/mcp","openapi_json_url":"https://www.coveragecat.com/openapi.json","tools":[{"description":"Estimate annual and monthly home insurance ranges for a California property and return the normalized inputs, available risk-factor ids, and ZIP-level context notes that explain the estimate.","human_url":"https://www.coveragecat.com/tools/home","id":"home_calculator","method":"POST","name":"Home insurance calculator","url":"https://www.coveragecat.com/api/agent/calculators/home"},{"description":"Research-only estimate of annual personal umbrella pricing bands, the inferred risk class, and per-factor impacts for directional pricing. Use this for price exploration, not when the shopper wants Coverage Cat to shop for or buy umbrella insurance.","human_url":"https://www.coveragecat.com/tools/umbrella","id":"umbrella_calculator","method":"POST","name":"Umbrella insurance calculator","url":"https://www.coveragecat.com/api/agent/calculators/umbrella"},{"description":"Estimate monthly auto premiums for one driver and vehicle profile across several carriers. Returns each carrier's id, name, and monthly premium spread (lowest, lower, median, upper, and highest modeled premium) in US dollars, plus the normalized inputs the model used. These are model estimates for research, not bindable quotes.","human_url":"https://www.coveragecat.com/tools/auto-estimates","id":"auto_estimates","method":"POST","name":"Auto insurance estimates","url":"https://www.coveragecat.com/api/agent/calculators/auto-estimates"},{"description":"Estimate what collision and comprehensive coverage cost for one driver and vehicle profile, to help decide whether to carry them. Returns monthly premium spreads in US dollars with no physical-damage coverage, collision only, and both, plus collision-only and both after one claim, and cumulative premium projections for each coverage option over projection_years. These are model estimates, not bindable quotes.","human_url":"https://www.coveragecat.com/tools/collision-and-comprehensive-coverage","id":"collision_and_comprehensive_coverage","method":"POST","name":"Collision and comprehensive coverage calculator","url":"https://www.coveragecat.com/api/agent/calculators/collision-and-comprehensive-coverage"},{"description":"Estimate whether filing an auto collision claim costs more than paying for the repair yourself. Returns monthly premium spreads with and without one claim, the monthly and multi-year premium increase, the collision deductible, the total cost of filing (deductible plus premium increase), and a file_claim or pay_out_of_pocket recommendation with the estimated savings. These are model estimates, not carrier quotes.","human_url":"https://www.coveragecat.com/tools/file-a-claim","id":"file_a_claim","method":"POST","name":"Auto claim filing break-even calculator","url":"https://www.coveragecat.com/api/agent/calculators/file-a-claim"},{"description":"Compare how much umbrella coverage to consider from net worth, independently confirmed protected assets, an optional income allowance, and the lowest applicable underlying liability limit. Returns the arithmetic target, additional limit needed, and $0/$1M/$2M/$3M/$5M/$10M scenarios. This is planning, not a quote or a determination of legally exposed assets.","human_url":"https://www.coveragecat.com/tools/umbrella-limits","id":"umbrella_limit_planner","method":"POST","name":"Umbrella coverage limit planner","url":"https://www.coveragecat.com/api/agent/calculators/umbrella-limits"},{"description":"Check an auto, homeowners, renters, or rental-property policy against the underlying liability requirements stated in a specific umbrella quote. Supply requirements from that quote, not assumed carrier minimums. Missing current limits stay unknown. Returns each required increase separately; it does not determine claim payouts or eligibility.","human_url":"https://www.coveragecat.com/tools/umbrella-underlying-limits","id":"umbrella_underlying_limit_check","method":"POST","name":"Umbrella underlying limit checker","url":"https://www.coveragecat.com/api/agent/calculators/umbrella-underlying-limits"},{"description":"Compare the total cost of keeping existing home and auto insurance with standalone umbrella coverage versus moving all three to a bundle. Enter annual net premiums, required underlying-limit upgrades, and one-time switching cost. Returns first-year and multi-year totals, savings, and the first whole break-even year. Flags unverified coverage comparability; no carrier prices are invented.","human_url":"https://www.coveragecat.com/tools/umbrella-bundle-comparison","id":"umbrella_bundle_comparison","method":"POST","name":"Standalone umbrella vs. bundle calculator","url":"https://www.coveragecat.com/api/agent/calculators/umbrella-bundle-comparison"},{"id":"tools_batch","method":"POST","name":"Read-only tools batch endpoint","url":"https://www.coveragecat.com/api/agent/tools/batch"}],"data_handling":{"connector_origins_recorded":["chatgpt_mcp","consumer_mcp","consumer_rest","operator_mcp","operator_rest"],"note":"Coverage Cat records connector origin and permitted purpose on agent-driven intake touches. See /developers/data-handling for the connector-specific notice and precedence rule.","notice_url":"https://www.coveragecat.com/developers/data-handling","oauth_revocation_endpoint":"https://www.coveragecat.com/oauth2/revoke","permitted_purpose":"insurance_purchase_and_policy_support","precedence_rule":"For data submitted through Coverage Cat's consumer and operator agent surfaces, the connector data-handling notice controls if it conflicts with broader site privacy or terms pages.","prohibited_uses":["unrelated_advertising","model_training_unrelated_to_serving_this_workflow"],"support_contact_url":"https://www.coveragecat.com/contact"}}