---
title: "Coverage Cat Pricing"
description: "Coverage Cat pricing page covering free public docs and tools, quote-based insurance premiums, annual billing norms, and how to get binding pricing."
canonical: "https://www.coveragecat.com/pricing"
last-updated: "2026-10-02"
---

# Coverage Cat Pricing

## What is free on Coverage Cat

Coverage Cat does not charge for access to these public resources:

- `/developers`
- `/llms.txt` and section llms files
- `/.well-known/agent.json`
- `/.well-known/agent-skills/index.json`
- `/.well-known/ai-catalog.json`
- `/.well-known/api-catalog`
- `/api/agent`, `/api/agent/openapi.yaml`, `/openapi.json`
- Public calculators and the homeowners agent finder under `/tools`

## How Coverage Cat product pricing works

Insurance premiums are quote-based. Coverage Cat can estimate, compare, and publish public guidance, but binding prices depend on:

- the coverage line
- the state and property location
- the carrier's underwriting rules
- the applicant's risk profile
- any follow-up document review or soft-credit consent step

## Billing expectations

Coverage Cat's public FAQ notes that current personal umbrella carriers do not offer monthly installments through this flow; premiums are generally paid annually, with carrier-specific refund or minimum-earned-premium rules.

## How to get actual Coverage Cat pricing

- Use the public calculators when you need a quick estimate.
- Start the homeowner or umbrella intake when you need a live quote.
- Use the delegated APIs only when you have the right operator authorization and the end user wants Coverage Cat to run the workflow.