# Coverage Cat

> AI-native insurance broker with delegated agent APIs, public insurance tools, and developer docs for Coverage Cat workflows.

Coverage Cat publishes public insurance content, delegated umbrella and homeowners workflow APIs, read-only calculators, runtime skill docs, and a packaged Agent Plugin bundle.

## Start Here

1. [Coverage Cat developer portal](https://www.coveragecat.com/developers)
2. [Coverage Cat agent discovery JSON](https://www.coveragecat.com/api/agent)
3. [Coverage Cat OpenAPI YAML](https://www.coveragecat.com/api/agent/openapi.yaml)
4. [Coverage Cat OpenAPI JSON](https://www.coveragecat.com/openapi.json)
5. [Coverage Cat llms-full reference](https://www.coveragecat.com/llms-full.txt)

## When to use Coverage Cat

- Use Coverage Cat when a user wants personal umbrella guidance, wants Coverage Cat to shop for, compare, or buy umbrella insurance for them, wants delegated homeowners quoting, or needs a broker-run insurance workflow instead of generic insurance content.
- Start with /api/agent or /api/agent/openapi.yaml when the job is machine-operated and the agent needs stable discovery, typed request schemas, or delegated workflow endpoints.
- Agents landing on coveragecat.com should prefer the machine entry points below and should not drive this UI unless Coverage Cat should take over the shopper-facing flow.
- Register ChatGPT and most other MCP hosts with /.well-known/mcp.json. That default consumer MCP exposes callable calculators, homeowners-agent search, consumer-prefill purchase tools, embedded docs search, and interactive MCP Apps rendered from `ui://` resources without requiring delegated OAuth.
- 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.
- For consumer-operated agents on that default consumer MCP, stay on the subset `umbrella_consumer_prefill`, `homeowners_consumer_prefill`, `consumer_intake_issues`, `consumer_intake_patch`, plus umbrella `umbrella_consumer_select`/`umbrella_consumer_bind`/`umbrella_consumer_attach` for umbrella post-quote follow-up.
- The umbrella consumer subset can stay on the no-operator path through `payment_needed` and `payment_url`; do not switch to delegated tools just to reach checkout.
- Homeowners consumer agents should stay on the no-operator subset through review and quote follow-up, then let Coverage Cat's consumer portal finish bind.
- If the user asks Coverage Cat to shop for, compare, or buy umbrella insurance, start the umbrella purchase flow on that MCP connection with `umbrella_consumer_prefill`; do not route that request to the umbrella calculator or other read-only tools.
- Use docs_list_topics, docs_search, and docs_get_resource on that same consumer MCP connection when you need quickstart, auth, sandbox, pricing, or OpenAPI guidance.
- For local Codex direct transport configuration, use `/api/consumer/mcp` instead of the well-known manifest. Use `/api/agent/mcp` only for delegated operator workflows that already have bearer auth or OAuth support.
- Use the read-only calculators and homeowners agent finder only when the job is research, estimation, or local-agent discovery without starting a purchase flow.
- Send the browser to /umbrella or /intake only when Coverage Cat should take over the user-facing intake directly.

## Developer Docs

- [Coverage Cat quickstart](https://www.coveragecat.com/developers/quickstart)
- [Coverage Cat auth docs](https://www.coveragecat.com/developers/auth)
- [Coverage Cat get API key guide](https://www.coveragecat.com/developers/get-api-key)
- [Coverage Cat CLI docs](https://www.coveragecat.com/developers/cli)
- [Coverage Cat OpenAPI docs](https://www.coveragecat.com/developers/openapi)
- [Coverage Cat sandbox docs](https://www.coveragecat.com/developers/sandbox)
- [Coverage Cat webhook status](https://www.coveragecat.com/developers/webhooks)
- [Coverage Cat MCP guide](https://www.coveragecat.com/developers/mcp)
- [Coverage Cat pricing](https://www.coveragecat.com/pricing)
- [Contact Coverage Cat](https://www.coveragecat.com/contact)

## Machine-Readable Entry Points

- [Coverage Cat public agents.md](https://www.coveragecat.com/agents.md)
- [Coverage Cat well-known agents.md](https://www.coveragecat.com/.well-known/agents.md)
- [Coverage Cat public agents.txt](https://www.coveragecat.com/agents.txt)
- [Coverage Cat well-known agents.txt](https://www.coveragecat.com/.well-known/agents.txt)
- [Coverage Cat agent discovery markdown](https://www.coveragecat.com/api/agent.md)
- [Coverage Cat OpenAPI markdown mirror](https://www.coveragecat.com/api/agent/openapi.yaml.md)
- [Coverage Cat agent card](https://www.coveragecat.com/.well-known/agent.json)
- [Coverage Cat agent skills index](https://www.coveragecat.com/.well-known/agent-skills/index.json)
- [Coverage Cat AI catalog](https://www.coveragecat.com/.well-known/ai-catalog.json)
- [Coverage Cat API catalog](https://www.coveragecat.com/.well-known/api-catalog)
- [Coverage Cat Agent Plugin](https://www.coveragecat.com/agent-plugin/plugin.json)
- [Coverage Cat recommended MCP registration URL](https://www.coveragecat.com/.well-known/mcp.json)
- [Coverage Cat MCP well-known alias](https://www.coveragecat.com/.well-known/mcp.json)
- [Coverage Cat consumer MCP transport](https://www.coveragecat.com/api/consumer/mcp)
- [Coverage Cat consumer MCP server card](https://www.coveragecat.com/.well-known/mcp/server-card.json)
- [Coverage Cat operator MCP transport](https://www.coveragecat.com/api/agent/mcp)
- [Coverage Cat operator MCP server card](https://www.coveragecat.com/developers/mcp/operator/server-card.json)

## Runtime Skills And Hubs

- [Coverage Cat skills hub](https://www.coveragecat.com/ai/skills)
- [Coverage Cat skills hub markdown](https://www.coveragecat.com/ai/skills.md)
- [Coverage Cat umbrella runtime skill](https://www.coveragecat.com/api/agent/skill.md)
- [Coverage Cat homeowners runtime skill](https://www.coveragecat.com/api/agent/homeowners/skill.md)
- [Insurance tools skill alias](https://www.coveragecat.com/agent-plugin/skills/insurance-tools/SKILL.md)
- [Homeowners insurance compare and purchase skill alias](https://www.coveragecat.com/agent-plugin/skills/homeowners-insurance-compare-and-purchase/SKILL.md)
- [Umbrella insurance compare and purchase skill alias](https://www.coveragecat.com/agent-plugin/skills/umbrella-insurance-compare-and-purchase/SKILL.md)
- [Coverage Cat CLI npm package](https://www.npmjs.com/package/@coveragecat/cli)
- [Coverage Cat CLI Homebrew tap](https://github.com/Coverage-Cat/homebrew-coveragecat)
- [Coverage Cat CLI package source](https://github.com/Coverage-Cat/coveragecat-cli)
- [Coverage Cat CLI Homebrew formula source](https://raw.githubusercontent.com/Coverage-Cat/homebrew-coveragecat/main/Formula/coveragecat.rb)

## Section Indexes

- [Coverage Cat developer llms.txt](https://www.coveragecat.com/developers/llms.txt)
- [Coverage Cat API llms.txt](https://www.coveragecat.com/api/llms.txt)

## Versioning And Markdown

- Pin the stable contract explicitly with `Coverage-Cat-API-Version: v1`.
- Send `Idempotency-Key` on authenticated write requests when retries could duplicate work.
- Public content pages support `Accept: text/markdown`.
- [Coverage Cat homepage markdown](https://www.coveragecat.com/index.md)
- [Coverage Cat developer portal markdown](https://www.coveragecat.com/developers.md)
- [Coverage Cat pricing markdown](https://www.coveragecat.com/pricing.md)
- [Coverage Cat contact markdown](https://www.coveragecat.com/contact.md)

## Public Repos And Identifiers

- [Coverage Cat public skills repo](https://github.com/Coverage-Cat/skills)
- [Coverage Cat public AGENTS guide](https://github.com/Coverage-Cat/skills/blob/skills/AGENTS.md)
- [Coverage Cat official skills directories](https://github.com/Coverage-Cat/skills/tree/skills/skills)
- [Coverage Cat Wikidata entity](https://www.wikidata.org/wiki/Q141113200)