---
title: "Coverage Cat MCP Setup"
description: "Coverage Cat MCP setup page documenting the default consumer MCP registration URL, local Codex transport, delegated operator MCP, embedded docs search, and streamable HTTP behavior."
canonical: "https://www.coveragecat.com/developers/mcp"
last-updated: "2026-10-02"
---

# Coverage Cat MCP Setup

## Which URL to use

- ChatGPT and other manifest-aware MCP hosts should register: `https://www.coveragecat.com/.well-known/mcp.json`
- Local Codex CLI / desktop / IDE transport URL: `https://www.coveragecat.com/api/consumer/mcp`
- Default consumer MCP server card: `https://www.coveragecat.com/.well-known/mcp/server-card.json`
- Delegated operator MCP transport: `https://www.coveragecat.com/api/agent/mcp`
- Delegated operator MCP server card: `https://www.coveragecat.com/developers/mcp/operator/server-card.json`
- If Coverage Cat MCP tools are unavailable in a runtime that supports MCP, stop and ask a short choice question instead of telling the user to register `/.well-known/mcp.json` immediately.
  Ask the question on its own line exactly as:

  Would you like to install the Coverage Cat MCP (recommended) or use the REST/CLI tools instead?

  Only share `/.well-known/mcp.json` after the user chooses MCP or asks for setup details.

## Host-specific setup notes

- ChatGPT web and other manifest-aware hosts should start from `/.well-known/mcp.json`.
- Local Codex clients share MCP config through `~/.codex/config.toml`; use the direct streamable HTTP consumer transport `/api/consumer/mcp`, then restart the Codex session and check `/mcp` before assuming Coverage Cat tools are unavailable.
- The default consumer MCP is intentionally no-OAuth. Use the delegated operator MCP only when you already need operator-authenticated umbrella/homeowners tools and are ready for OAuth or an existing bearer token.

## Discovery links

- Product discovery JSON: `https://www.coveragecat.com/api/agent`
- Product OpenAPI YAML: `https://www.coveragecat.com/api/agent/openapi.yaml`

## What the default consumer MCP exposes

Consumer-operated default subset:

- `umbrella_consumer_prefill`
- `homeowners_consumer_prefill`
- `consumer_intake_issues`
- `consumer_intake_patch`
- `umbrella_consumer_select`
- `umbrella_consumer_bind`
- `umbrella_consumer_attach`
- `umbrella_consumer_payment`

Consumer-operated umbrella guidance:

- Stay on that subset through quote review, declarations upload, `payment_needed`, optional agentic payment collection, and `payment_url` fallback.
- Do not switch to delegated umbrella tools just to reach checkout.

Consumer-operated homeowners guidance:

- Stay on that subset through review and quote follow-up.
- Final homeowners bind continues in Coverage Cat's consumer portal rather than the delegated MCP tools.

- Read-only calculator and homeowners-agent-finder tools
- Consumer-prefill homeowners and umbrella MCP tools for direct chat continuation
- Embedded docs search and docs resource reader tools
- `ui://` resources for Coverage Cat tool apps

## What the delegated operator MCP adds

- Delegated homeowners MCP tools for quotes, dashboard, dashboard sessions, and fix-issues email when operator auth is present
- Delegated umbrella MCP tools for draft, quotes, select, bind, status, and attachment upload when operator auth is present
- The same read-only tools and embedded docs search
- OAuth or an existing operator bearer token on the outer MCP request

## Transport

Coverage Cat uses streamable HTTP at the MCP endpoints above. Send JSON-RPC requests with `POST`. If your client asks for `text/event-stream`, Coverage Cat streams the MCP response as SSE.

Expected transport symptoms:

- `GET` on the transport endpoints returns `405 Method Not Allowed`; use the well-known manifest or server card for discovery metadata instead.
- If a local client mistakenly configures `/.well-known/mcp.json` as the direct streamable HTTP transport URL, initialize will hit the manifest instead of the transport and fail. Use `/api/consumer/mcp` for direct local transport config.

## Authentication

- The default consumer MCP read-only tools are public when the corresponding public HTTP tool endpoints are public.
- The default consumer MCP consumer-prefill tools are public, and their direct follow-up tools use the returned `intake_access_token` as tool input.
- The default consumer MCP umbrella follow-up can remain on the same no-auth subset through `payment_needed`, optional agentic payment collection, and `payment_url` fallback.
- The delegated operator MCP requires an operator bearer key or an OAuth-capable host for delegated homeowners and umbrella tools.
- Local Codex delegated OAuth uses the host's callback configuration. If your operator OAuth host rejects the local loopback callback, keep the default shopper path on the consumer MCP and use the delegated operator MCP only from a host whose OAuth callback policy is already compatible.

## Related Coverage Cat resources

- `/api/agent/skill.md`
- `/api/agent/homeowners/skill.md`
- `/developers`
- `/agent-plugin/plugin.json`