{"contact_url":"https://www.coveragecat.com/contact","agent_plugin_url":"https://www.coveragecat.com/agent-plugin/plugin.json","cli_docs_url":"https://www.coveragecat.com/developers/cli","operator_mcp_server_card_url":"https://www.coveragecat.com/developers/mcp/operator/server-card.json","homeowners_landing_page_url":"https://www.coveragecat.com/ai/skills/homeowners","developer_portal_url":"https://www.coveragecat.com/developers","skill_versions":{"homeowners":"1.0.0","openapi":"1.0.0","umbrella":"1.0.0"},"mcp_well_known_url":"https://www.coveragecat.com/.well-known/mcp.json","skill_url":"https://www.coveragecat.com/api/agent/skill.md","consumer_mcp_url":"https://www.coveragecat.com/api/consumer/mcp","mcp_server_card_url":"https://www.coveragecat.com/.well-known/mcp/server-card.json","cli_homebrew_tap":"Coverage-Cat/coveragecat","openapi_markdown_url":"https://www.coveragecat.com/api/agent/openapi.yaml.md","note":"Coverage Cat offers consumer-prefill handoffs plus delegated quote flows for umbrella and homeowners. Consumer-operated agents should default to the no-auth consumer MCP on /.well-known/mcp.json: 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, umbrella_consumer_attach, and umbrella_consumer_payment. If the user wants Coverage Cat to shop for or buy umbrella insurance, start the umbrella consumer-prefill or delegated purchase flow rather than the read-only umbrella calculator. Consumer-prefill responses return a handoff uid plus an intake_access_token bearer for the direct follow-up URLs, including umbrella `/select`, `/bind`, `/attach`, and `/payment` post-choose continuation. The umbrella consumer path can stay on that no-operator subset through payment_needed, optional agentic payment collection, and payment_url fallback; do not switch to delegated umbrella tools just to reach checkout. Homeowners consumer agents should stay on the no-operator subset through review and quote follow-up, then hand final bind to Coverage Cat's consumer portal rather than the delegated MCP tools. For homeowners consumer-prefill, a cold start should ask only for the user's full name, email, structured property address, and whether the property should be treated as standard homeowners, condo, or landlord coverage; then enrich from user-controlled context and property sources before asking anything else. 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. Reuse the newest rotated intake token from each direct follow-up response. Register ChatGPT and most other MCP hosts with /.well-known/mcp.json, use /api/consumer/mcp for local Codex direct transport, and use the embedded docs tools on that same consumer MCP connection when you need quickstart, auth, sandbox, or OpenAPI help. Use /api/agent/mcp only for delegated operator workflows. Both delegated flows also have sandbox rehearsal modes in the OpenAPI and skill docs. Calculator and finder tools are read-only and rate limited. Start with the OpenAPI document, then use each flow's operation map instead of inferring endpoint names.","recommended_chatgpt_registration_url":"https://www.coveragecat.com/.well-known/mcp.json","tools":[{"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"},{"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"},{"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"},{"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"},{"human_url":"https://www.coveragecat.com/tools/file-a-claim","id":"file_a_claim","method":"POST","name":"File a claim calculator","url":"https://www.coveragecat.com/api/agent/calculators/file-a-claim"},{"human_url":"https://www.coveragecat.com/tools/find-an-agent","id":"homeowners_agent_finder","method":"POST","name":"Homeowners agent finder","url":"https://www.coveragecat.com/api/agent/tools/homeowners-agents/search"},{"id":"tools_batch","method":"POST","name":"Read-only tools batch endpoint","url":"https://www.coveragecat.com/api/agent/tools/batch"}],"description":"Discovery document for Coverage Cat's consumer-prefill handoffs, delegated quote flows, read-only calculator tools, and the default consumer plus delegated operator MCP setup paths.","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, optional agentic payment collection, and payment_url fallback 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_patch","umbrella_consumer_select","umbrella_consumer_bind","umbrella_consumer_attach","umbrella_consumer_payment"],"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_select_url_template":"https://www.coveragecat.com/api/intake/{uid}/select","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","id":"consumer_prefill","method":"POST","url":"https://www.coveragecat.com/api/consumer/umbrella/prefill"},{"audience":"consumer_agent","authentication":"polling_token","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","id":"direct_issue_status","method":"GET","url_template":"https://www.coveragecat.com/api/intake/{uid}/issues"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","id":"direct_patch","method":"PATCH","url_template":"https://www.coveragecat.com/api/intake/{uid}"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","id":"direct_select","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/select"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","id":"direct_bind","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/bind"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","id":"direct_payment","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/payment"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","id":"direct_attach","method":"POST","url_template":"https://www.coveragecat.com/api/intake/{uid}/attach"},{"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},{"consumer_mcp_url":"https://www.coveragecat.com/api/consumer/mcp","consumer_portal_handoff_note":"Consumer-operated agents should stay on the default consumer MCP subset through review and quote follow-up. Final homeowners bind continues in Coverage Cat's consumer portal rather than the delegated MCP tools.","consumer_portal_handoff_stage":"quoted","consumer_prefill_url":"https://www.coveragecat.com/api/consumer/homeowners/prefill","consumer_status_url_template":"https://www.coveragecat.com/api/consumer/status?token={polling_token}","dashboard_session_url":"https://www.coveragecat.com/api/agent/homeowners/dashboard/session","dashboard_url":"https://www.coveragecat.com/api/agent/homeowners/dashboard","default_for_consumer_agents":true,"default_mcp_server_url":"https://www.coveragecat.com/.well-known/mcp.json","default_mcp_tool_names":["homeowners_consumer_prefill","consumer_intake_issues","consumer_intake_patch"],"direct_handoff_fallback_url":"https://www.coveragecat.com/intake","direct_issue_status_url_template":"https://www.coveragecat.com/api/intake/{uid}/issues","direct_patch_url_template":"https://www.coveragecat.com/api/intake/{uid}","id":"homeowners","landing_page_url":"https://www.coveragecat.com/ai/skills/homeowners","method":"POST","name":"Homeowners purchase flows","openapi_url":"https://www.coveragecat.com/api/agent/openapi.yaml","operations":[{"audience":"consumer_agent","authentication":"none","id":"consumer_prefill","method":"POST","url":"https://www.coveragecat.com/api/consumer/homeowners/prefill"},{"audience":"consumer_agent","authentication":"polling_token","id":"consumer_status","method":"GET","url_template":"https://www.coveragecat.com/api/consumer/status?token={polling_token}"},{"audience":"operator","authentication":"operator_bearer","id":"delegated_quotes","method":"POST","url":"https://www.coveragecat.com/api/agent/homeowners/quotes"},{"audience":"operator","authentication":"operator_bearer","id":"delegated_dashboard","method":"GET","url":"https://www.coveragecat.com/api/agent/homeowners/dashboard"},{"audience":"operator","authentication":"operator_bearer","id":"delegated_dashboard_session","method":"POST","url":"https://www.coveragecat.com/api/agent/homeowners/dashboard/session"},{"audience":"operator","authentication":"operator_bearer","id":"delegated_fix_issues_email","method":"POST","url":"https://www.coveragecat.com/api/agent/homeowners/fix-issues-email"},{"audience":"homeowner","id":"direct_start_fallback","method":"BROWSER","url":"https://www.coveragecat.com/intake"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","id":"direct_issue_status","method":"GET","url_template":"https://www.coveragecat.com/api/intake/{uid}/issues"},{"audience":"consumer_agent","authentication":"intake_access_token_bearer","id":"direct_patch","method":"PATCH","url_template":"https://www.coveragecat.com/api/intake/{uid}"}],"operator_fix_issues_email_url":"https://www.coveragecat.com/api/agent/homeowners/fix-issues-email","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/homeowners/skill.md","skill_version":"1.0.0","supports_consumer_checkout":false,"url":"https://www.coveragecat.com/api/agent/homeowners/quotes"}],"operator_mcp_url":"https://www.coveragecat.com/api/agent/mcp","homeowners_skill_url":"https://www.coveragecat.com/api/agent/homeowners/skill.md","openapi_url":"https://www.coveragecat.com/api/agent/openapi.yaml","product_mcp_url":"https://www.coveragecat.com/api/consumer/mcp","cli_package_name":"@coveragecat/cli","cli_npm_package_url":"https://www.npmjs.com/package/@coveragecat/cli","service":"coverage-cat-agent-api","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"},"cli_homebrew_tap_url":"https://github.com/Coverage-Cat/homebrew-coveragecat","mcp_servers":[{"authentication":"No delegated OAuth is required on this default consumer MCP. Consumer-prefill tools are public and direct follow-up uses intake_access_token arguments.","consumer_checkout_note":"Umbrella consumer MCP tools stay on the no-operator subset through payment_needed, optional agentic payment collection, and payment_url fallback. Homeowners consumer MCP tools stay on the no-operator subset through review and quotes, then hand off to Coverage Cat's consumer portal for final bind.","consumer_operated_tool_subset":{"homeowners":["homeowners_consumer_prefill","consumer_intake_issues","consumer_intake_patch"],"umbrella":["umbrella_consumer_prefill","consumer_intake_issues","consumer_intake_patch","umbrella_consumer_select","umbrella_consumer_bind","umbrella_consumer_attach","umbrella_consumer_payment"]},"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"},{"authentication":"Delegated homeowners and 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","homeowners"],"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"}],"tool_rate_limits":{"authenticated_operator":"30 requests per minute","ip_fallback":"8 requests per minute"},"landing_page_url":"https://www.coveragecat.com/ai/skills/umbrella","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":"The homeowners delegated purchase endpoint requires an authenticated operator bearer credential. Shared environment keys are rejected there."},"identity_endpoint":"https://www.coveragecat.com/agent/identity","key_issuance":{"confirm_otp":"https://www.coveragecat.com/api/agent/key/confirm","note":"For OpenAI apps and 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/ai/skills/homeowners/setup"},"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"},"openapi_json_url":"https://www.coveragecat.com/openapi.json","cli_source_url":"https://github.com/Coverage-Cat/coveragecat-cli","supported_lines":["umbrella","home","auto"],"consumer_mcp_server_card_url":"https://www.coveragecat.com/.well-known/mcp/server-card.json","pricing_url":"https://www.coveragecat.com/pricing","cli_homebrew_formula_url":"https://raw.githubusercontent.com/Coverage-Cat/homebrew-coveragecat/main/Formula/coveragecat.rb"}