---
title: "Coverage Cat Developer Quickstart"
description: "Coverage Cat quickstart with discovery JSON, OpenAPI, runtime markdown skills, auth setup, and sandbox-first guidance."
canonical: "https://www.coveragecat.com/developers/quickstart"
last-updated: "2026-08-18"
---

# Coverage Cat Developer Quickstart

## 1. Read the Coverage Cat discovery document

Fetch the discovery JSON first:

```sh
curl https://www.coveragecat.com/api/agent
```

That document lists the delegated purchase flows, read-only tools, auth setup endpoints, and doc URLs.

## 2. Download the public OpenAPI contract

Use whichever format your runtime prefers:

```sh
curl https://www.coveragecat.com/api/agent/openapi.yaml
curl https://www.coveragecat.com/openapi.json
```

## 3. Choose the right runtime skill

- Umbrella delegated purchase: `/api/agent/skill.md`
- Homeowners delegated purchase and direct handoff: `/api/agent/homeowners/skill.md`

The HTML guides at `/ai/skills`, `/ai/skills/umbrella`, and `/ai/skills/homeowners` provide more context for humans and search engines.

## 4. Set up auth only when the flow requires it

Read `/developers/auth` before you call any delegated umbrella endpoint or the delegated homeowners endpoint. Coverage Cat issues operator-scoped bearer keys through the OTP flow:

```sh
POST /api/agent/key/request
POST /api/agent/key/confirm
POST /api/agent/key/rotate
```

## 5. Rehearse the homeowners flow in sandbox first

Use the sandbox doc at `/developers/sandbox`. Coverage Cat supports both:

- A browser sandbox at `/intake?ltp=owned_homes&sandbox=homeowners`
- A delegated homeowners API sandbox using `sandbox: true` only on the first create call

## 6. Link your agent to the public repo assets

Coverage Cat's public skills repo is `https://github.com/Coverage-Cat/skills`. Link agents to `https://github.com/Coverage-Cat/skills/blob/skills/AGENTS.md` and `https://github.com/Coverage-Cat/skills/tree/skills/skills` when you want them to work from the published instructions rather than a copied prompt.