---
title: "Coverage Cat Agent API, OpenAPI, and Skill Docs"
description: "Coverage Cat's HTML hub for agent docs: consumer-prefill and delegated umbrella and homeowners flows, OpenAPI, auth notes, sandbox guidance, skill docs, and read-only tool APIs."
canonical: "https://www.coveragecat.com/ai/skills"
last-updated: "2026-08-25"
---

# Coverage Cat Agent API, OpenAPI, and Skill Docs

Coverage Cat's HTML hub for agent docs: consumer-prefill and delegated umbrella and homeowners flows, OpenAPI, auth notes, sandbox guidance, skill docs, and read-only tool APIs.

## What you can do with Coverage Cat's API

- Start with a consumer-prefill umbrella handoff or delegate an umbrella quote flow from intake draft through quote selection and bind.
- Choose between a consumer-prefill homeowners handoff, a browser fallback, and the operator-partner delegated homeowners loop.
- Call read-only pricing calculators and the homeowners-agent finder from the same public API surface.
- Use HTML docs, markdown skill downloads, or the OpenAPI contract depending on your runtime.

## Coverage Cat Agent API hub

- [Coverage Cat Agent API Hub](/ai/skills): Coverage Cat Agent API, OpenAPI spec, skill docs, setup guides, and developer docs for consumer-prefill and delegated insurance workflows.
- [Coverage Cat Agent API](/ai/coverage-cat-agent-api): What Coverage Cat's public API can do, which docs to read first, and how the delegated umbrella, homeowners, and tool surfaces fit together.
- [Auth and Rate Limits](/ai/auth-and-rate-limits): How Coverage Cat issues bearer keys, when operator authentication is required, and what rate limits apply to the public agent surface.
- [Sandbox and Testing](/ai/sandbox-testing): How to rehearse Coverage Cat's delegated flows safely before live traffic, including browser and API-based sandbox paths.
- [Delegated Umbrella Flow](/ai/delegated-umbrella-flow): Step-by-step guidance for Coverage Cat's delegated umbrella workflow, from draft and review through quotes, selection, and bind progression.
- [Delegated Homeowners Flow](/ai/delegated-homeowners-flow): How Coverage Cat's homeowners direct handoff and operator-partner delegated loop differ, and what the delegated runtime needs to do on each step.

## Skill pages

- [Umbrella Purchase Skill](/ai/skills/umbrella): Consumer-prefill handoff plus delegated umbrella purchase flow for agents: prefill, collect one review and consent, fetch quotes, select an offer, upload declarations when required, then continue checkout in chat.
- [Homeowners Purchase Skill](/ai/skills/homeowners): Consumer-prefill handoff and operator-authenticated delegated homeowners intake flow with follow-up polling until offers are ready.
- [Homeowners Operator Setup](/ai/skills/homeowners/setup): One-time human setup guide for issuing, storing, rotating, and recovering operator keys used by the delegated homeowners API.
- [AI Insurance Leaderboard](/ai/leaderboard): Public benchmark results for insurance price-estimation and brokerage-task reasoning across frontier models.

## Runtime docs and machine-readable entry points

- [Discovery JSON](/api/agent): Machine-readable entry point for flows, tools, auth notes, and URLs.
- [OpenAPI Spec](/api/agent/openapi.yaml): Public contract for consumer-prefill handoffs, delegated umbrella and homeowners flows, and read-only tools.
- [Umbrella Skill Markdown](/api/agent/skill.md): Downloadable runtime instructions for consumer-prefill and delegated umbrella purchase flows.
- [Homeowners Skill Markdown](/api/agent/homeowners/skill.md): Downloadable runtime instructions for consumer-prefill, fallback handoff, and delegated homeowners flows.

## Read-only tool APIs

- Home insurance calculator API: Read-only home premium estimates from property and location inputs. API `/api/agent/calculators/home` and page /tools/home.
- Umbrella insurance calculator API: Read-only umbrella liability price ranges from ZIP code and risk profile. API `/api/agent/calculators/umbrella` and page /tools/umbrella.
- Auto insurance estimates API: Carrier-by-carrier auto premium estimates for a household profile. API `/api/agent/calculators/auto-estimates` and page /tools/auto-estimates.
- Collision and comprehensive coverage API: Read-only guidance for whether collision or comprehensive coverage still pencils out. API `/api/agent/calculators/collision-and-comprehensive-coverage` and page /tools/collision-and-comprehensive-coverage.
- File a claim calculator API: Read-only claim-decision help for at-fault accident and other claim scenarios. API `/api/agent/calculators/file-a-claim` and page /tools/file-a-claim.
- Homeowners agent finder API: Read-only search for homeowners agents by geography. API `/api/agent/tools/homeowners-agents/search` and page /tools/find-an-agent.

## How agents should use these pages

1. Start with `/api/agent` or `/api/agent/openapi.yaml` for the public contract.
2. Read the relevant HTML guide or skill page before using a delegated purchase flow.
3. Download `/api/agent/skill.md` or `/api/agent/homeowners/skill.md` when your runtime needs markdown-first instructions.
4. Use `/ai/leaderboard` for model-benchmark context, not as API documentation.