Coverage Cat

Coverage Cat is a licensed insurance brokerage that combines AI guided intake with a licensed broker team to compare home, umbrella, auto and renters policies side by side. Shoppers answer an intake flow, the brokerage places the risk with a carrier from its panel, and the quotes are shown with plain pricing rather than being sold on as leads. It is currently live for shoppers in California, Florida, New York, Texas and Washington. It serves two audiences. Consumers get the comparison portal plus public tools such as home, umbrella and auto insurance calculators and an agent finder for homeowners cover. Developers and AI agent builders get the same workflow through the Agent API: an OpenAPI specification, a consumer MCP manifest published at a well known path that exposes the calculators, homeowners agent search and purchase tools without OAuth, operator MCP endpoints for delegated workflows with bearer or OAuth authentication, prefill and purchase skills for umbrella and homeowners policies, command line packages on npm and Homebrew, a sandbox and webhooks. Access to the public resources, calculators and developer documentation is free. Insurance premiums are quote based and depend on coverage line, state, carrier appetite, property details and underwriting review; the vendor notes that personal umbrella policies through this flow are generally paid annually rather than by monthly installment.