MCP server

Coverage Cat Official

com.coveragecat/insurance

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

Get umbrella and homeowners insurance quotes, select a policy, and bind coverage.

Website

At a glance

Type

MCP server

Publisher

coveragecat.com (verified by the MCP Registry)

Status

Working at last check

Tools

23

Token cost

About 15,186 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

claude mcp add --transport http insurance https://www.coveragecat.com/api/consumer/mcp

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.insurance]
url = "https://www.coveragecat.com/api/consumer/mcp"

Gemini CLI

{"mcpServers":{"insurance":{"httpUrl":"https://www.coveragecat.com/api/consumer/mcp"}}}

Cursor

{"mcpServers":{"insurance":{"url":"https://www.coveragecat.com/api/consumer/mcp"}}}

VS Code

{"servers":{"insurance":{"type":"http","url":"https://www.coveragecat.com/api/consumer/mcp"}}}

Antigravity

agy mcp add insurance https://www.coveragecat.com/api/consumer/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"insurance","server_url":"https://www.coveragecat.com/api/consumer/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"insurance","server_url":"https://www.coveragecat.com/api/consumer/mcp"}

Tools

• auto_estimates ~557 tokens
  Estimate monthly auto premiums for one driver and vehicle profile across several carriers. Returns each carrier's id, name, and monthly premium spread (lowest, lower, median, upper, and highest modeled premium) in US dollars, plus the normalized inputs the model used. These are model estimates for r
• collision_and_comprehensive_coverage ~587 tokens
  Estimate what collision and comprehensive coverage cost for one driver and vehicle profile, to help decide whether to carry them. Returns monthly premium spreads in US dollars with no physical-damage coverage, collision only, and both, plus collision-only and both after one claim, and cumulative pre
• consumer_intake_issues ~660 tokens
  Continue a consumer-prefill homeowners or umbrella handoff in chat. Returns the intake's status and detail_status, whether the application is submitted, the staged review and next_question, quoted offers with their selection_token, and any post-choose, payment, policy, or conversation state. Coverag
• consumer_intake_patch ~1342 tokens
  Patch or submit a consumer-prefill homeowners or umbrella handoff in chat. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow
• docs_get_resource ~128 tokens
  Read one Coverage Cat docs resource by URI from the default consumer MCP and return its URI, public href (null when it has no public page), MIME type, and full markdown, JSON, or YAML text.
• docs_list_topics ~214 tokens
  List Coverage Cat documentation topics from the same consumer MCP connection and return each topic's title, category, URI, MIME type, summary, and public href.
• docs_search ~217 tokens
  Search quickstart, auth, sandbox, OpenAPI, and runtime skill docs on this consumer MCP connection. Topics are ranked by how many query words appear in their title, summary, URI, or category; each match carries its title, category, URI, MIME type, summary, and public href, and an empty matches list m
• file_a_claim ~632 tokens
  Estimate whether filing an auto collision claim costs more than paying for the repair yourself. Returns monthly premium spreads with and without one claim, the monthly and multi-year premium increase, the collision deductible, the total cost of filing (deductible plus premium increase), and a file_c
• home_calculator ~218 tokens
  Estimate annual and monthly home insurance ranges for a California property and return the normalized inputs, available risk-factor ids, and ZIP-level context notes that explain the estimate.
• homeowners_agent_finder ~322 tokens
  Find licensed homeowners insurance agents near a ZIP code using state department of insurance licensing data. California searches return agents within 75 miles, nearest first; Texas searches return agents in the same ZIP. ZIP codes in other states return an empty agents list alongside supported_stat
• homeowners_consumer_bind ~603 tokens
  Confirm the previewed homeowners offer after `homeowners_consumer_select` returns `ready_to_finalize`. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state
• homeowners_consumer_policy ~394 tokens
  Read the current bound or cancelled homeowners policy record, policy documents, and any existing cancellation, refund, or support request history. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your
• homeowners_consumer_prefill ~1022 tokens
  Preferred homeowners MCP entry point when a shopper wants Coverage Cat to shop for, compare, or buy homeowners insurance and no operator bearer token is present. On a cold start, ask only for the user's name, email, property address, and whether this should be standard homeowners, condo, or landlord
• homeowners_consumer_select ~620 tokens
  Continue the consumer-prefill homeowners flow after quotes are ready. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up t
• homeowners_consumer_service ~850 tokens
  Preview or open a cancellation, refund, or support request for a consumer homeowners policy. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry th
• umbrella_calculator ~572 tokens
  Research-only estimate of annual personal umbrella pricing bands, the inferred risk class, and per-factor impacts for directional pricing. Use this for price exploration, not when the shopper wants Coverage Cat to shop for or buy umbrella insurance.
• umbrella_consumer_attach ~1111 tokens
  Upload declarations or auto declarations during the consumer-prefill umbrella post-choose flow. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry
• umbrella_consumer_bind ~588 tokens
  Continue the consumer-prefill umbrella bind follow-up only after select returns needs_more_info_to_bind or ready_to_finalize. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve
• umbrella_consumer_payment ~802 tokens
  Prepare secure Stripe payment collection or submit the resulting payment method during the consumer-prefill umbrella post-choose flow. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot
• umbrella_consumer_policy ~393 tokens
  Read the current bound or cancelled umbrella policy record, policy documents, and any existing cancellation, refund, or support request history. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your h
• umbrella_consumer_prefill ~1372 tokens
  Preferred umbrella MCP entry point when a shopper wants Coverage Cat to shop for, compare, or buy umbrella insurance and no operator bearer token is present. On a cold start, call this before asking the shopper a questionnaire and assemble the fullest justified estimate from user-controlled context.
• umbrella_consumer_select ~1134 tokens
  Continue the consumer-prefill umbrella flow after quotes are ready. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up too
• umbrella_consumer_service ~848 tokens
  Preview or open a cancellation, refund, or support request for a consumer umbrella policy. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this

Browse

• Stripe tools
• OpenAPI tools
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• Converting to Markdown
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