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Start here before `/api/agent` when the shopper does not already have a Coverage Cat operator credential.","homeowners_landing_page_url":"https://www.coveragecat.com/ai/skills/homeowners","homeowners_skill_url":"https://www.coveragecat.com/api/agent/homeowners/skill.md","landing_page_url":"https://www.coveragecat.com/ai/skills/umbrella","mcp_well_known_url":"https://www.coveragecat.com/.well-known/mcp.json","note":"Use this shopper-agent surface when Muse, Instinct, ChatGPT, Codex, or another personal consumer agent is helping a real shopper. Do not ask that shopper for a Coverage Cat operator API key. Start with umbrella_consumer_prefill or homeowners_consumer_prefill, stay on the same consumer-operated MCP subset when that hidden session is available, or on the shopper REST fallback stay on the returned intake_access_token follow-up loop including umbrella `/policy` and `/service` aftercare, and use the operator surface only for delegated back-office workflows. Shopper data on this surface is for insurance purchase and policy-support work only.","openapi_json_url":"https://www.coveragecat.com/api/consumer/openapi.json","openapi_markdown_url":"https://www.coveragecat.com/api/consumer/openapi.yaml.md","openapi_url":"https://www.coveragecat.com/api/consumer/openapi.yaml","operator_surface":{"discovery_url":"https://www.coveragecat.com/api/agent","mcp_url":"https://www.coveragecat.com/api/agent/mcp","openapi_url":"https://www.coveragecat.com/api/agent/openapi.yaml","use_when":"Only when a real Coverage Cat operator bearer token is already available or the host can complete delegated OAuth."},"preferred_openapi_url":"https://www.coveragecat.com/api/consumer/openapi.yaml","preferred_purchase_tool":"umbrella_consumer_prefill","preferred_rest_discovery_url":"https://www.coveragecat.com/api/consumer","purchase_flows":[{"browser_fallback_url":"https://www.coveragecat.com/umbrella","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_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_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","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","name":"Umbrella 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