Coverage Cat

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 research, not bindable quotes.

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 premium projections for each coverage option over projection_years. These are model estimates, not bindable quotes.

Read the status of an umbrella application or an existing homeowners policy. Records request attribution and rotates follow-up access. In the umbrella sandbox, polling advances checkout and can create a synthetic policy; it does not issue real coverage. 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. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the default consumer-operated subset and, before submission, say explicitly that the application is not submitted yet. For umbrella, keep missing fields hidden until Coverage Cat stages the single pre-submit review turn, then ask only for the explicitly missing shopper-owned fields in `next_question` and invite corrections instead of re-keying reviewed values. Coverage Cat will not resume or expose a prior consumer umbrella draft based on email alone. Continue an existing consumer draft only through the issued uid plus the current hidden MCP session or latest intake_access_token handoff. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD before you patch Coverage Cat.

Patch or submit a consumer-prefill umbrella handoff, or reply to existing-policy support correspondence in chat. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the default consumer-operated subset. For umbrella, use the staged review turn to send only explicitly missing shopper-owned details plus corrections, set `confirm_submission` only on that final review confirmation, do not send vehicles rows on this pre-submit patch, and do not ask for umbrella credit consent here. Normalize shopper birthdays from MM-DD-YYYY to YYYY-MM-DD, and tell the shopper the application is not submitted yet until you actually submit it. Returns the same follow-up payload as `consumer_intake_issues` for the updated intake.

When consumer_intake_issues reports verification.required, ask the shopper whether to send a verification email, then call with confirm_send: true. The link goes only to the application's email on file. Ask the shopper to open it, then poll consumer_intake_issues until verification.required is false. Never ask the shopper to paste the login link or code into chat.

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.

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.

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 means no topic contains any query word. Pass a match's uri to docs_get_resource to read it.

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_claim or pay_out_of_pocket recommendation with the estimated savings. These are model estimates, not carrier quotes.

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.

Read the current bound or cancelled homeowners policy record, policy documents, and any existing cancellation, refund, or support request history. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. This request records access attribution and rotates follow-up access, but does not advance or change policy state. Use it after Coverage Cat reports a policy on file, or after a service request is opened, to show policy facts without switching to delegated tools.

Preview or open a cancellation, refund, or support request for a consumer homeowners policy. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the same consumer-operated MCP subset after bind. Preview the consequences first, then send confirm_request: true only after the shopper approves opening the request. Do not describe a cancellation, refund, or support issue as completed until Coverage Cat confirms the final outcome.

Compare the total cost of keeping existing home and auto insurance with standalone umbrella coverage versus moving all three to a bundle. Enter annual net premiums, required underlying-limit upgrades, and one-time switching cost. Returns first-year and multi-year totals, savings, and the first whole break-even year. Flags unverified coverage comparability; no carrier prices are invented.

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.

Upload declarations or auto declarations during the consumer-prefill umbrella post-choose flow. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the same consumer-operated MCP subset. Use only after selection and only when Coverage Cat says documents are needed. If both the home and auto files are already available, prefer one attach call with attachments so the shopper only approves one upload turn. If your runtime already has the files on disk or can stream raw bytes, prefer the REST binary `/api/intake/{uid}/attach-upload` fallback instead of hand-building base64. The upload itself is usually quick once the files are available, and secure checkout is usually ready about 5-10 minutes after Coverage Cat has the uploads on file.

Continue the consumer-prefill umbrella bind follow-up only after select returns needs_more_info_to_bind or ready_to_finalize. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the same consumer-operated MCP subset and send only the current bind-stage fields inside `intake`. This later bind-stage follow-up is where actual vehicle details may appear for selected offers such as Markel; do not move that question into the pre-submit review.

Prepare secure Stripe payment collection or submit the resulting payment method during the consumer-prefill umbrella post-choose flow. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the same consumer-operated MCP subset. Use this only after Coverage Cat says payment_needed. First call it with payment_collection_requested: true; do not send the shopper straight to payment_url before you try this native step. If the host confirms the registered secure payment UI can render, display it and wait for completion; do not request card details through conversational text. After successful Stripe setup, call this same tool again with setup_intent_id and payment_method_id. If UI support is unknown or unsupported, or if secure setup fails in chat, share payment_url with the specific fallback reason instead.

Read the current bound or cancelled umbrella policy record, policy documents, and any existing cancellation, refund, or support request history. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. This request records access attribution and rotates follow-up access, but does not advance or change policy state. Use it after Coverage Cat reports a policy on file, or after a service request is opened, to show policy facts without switching to delegated tools.

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. Use canonical umbrella keys such as address.street/city/state/zip, license_state, license_number, approximate_asset_value or net_worth_numeric, desired_coverage_limit, required_coverage_e_limit, and vehicle_count or umbrella_details.motorized_vehicle_count. Do not send vehicles rows before submission. Stay on the same consumer-operated subset through `consumer_intake_issues`, `consumer_intake_patch`, `umbrella_consumer_select`, `umbrella_consumer_bind`, `umbrella_consumer_attach`, `umbrella_consumer_payment`, `umbrella_consumer_policy`, and `umbrella_consumer_service`. If you are rehearsing the shopper flow, set `sandbox: true` on this first prefill call only. That same consumer sandbox uid can then continue through the same shopper-safe flow. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Until later follow-up shows progress, tell the shopper the application is not submitted yet. Coverage Cat will not resume or expose a prior consumer umbrella draft based on email alone. Continue an existing consumer draft only through the issued uid plus the current hidden MCP session or latest intake_access_token handoff.

Continue the consumer-prefill umbrella flow after quotes are ready. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the same consumer-operated MCP subset, use the returned selection_token, collect the real user's consumer-report authorization for insurance underwriting here, and let Coverage Cat enter the normal post-choose workflow without switching to delegated tools. A selected Monoline offer also requires the separate returned MVR authorization; show its full text and source URL and collect both receipts in the same turn. If the quote payload exposed selection_guidance.same_reply_requirements for the chosen offer, send those answers under intake on this first select call. If Coverage Cat returns a consent-required response with a bind-stage next_question, ask for all returned authorizations and details together, then retry this same tool with the receipts and intake.

Preview or open a cancellation, refund, or support request for a consumer umbrella policy. Reuse uid and the latest intake_access_token from the previous successful Coverage Cat response on each follow-up. MCP 2026-07-28 is stateless and requires that token. Legacy MCP hosts may also preserve hidden shopper session authorization. Keep tokens private and stay on this same MCP follow-up tool. Stay on the same consumer-operated MCP subset after bind. Preview the consequences first, then send confirm_request: true only after the shopper approves opening the request. Do not describe a cancellation, refund, or support issue as completed until Coverage Cat confirms the final outcome.

Compare how much umbrella coverage to consider from net worth, independently confirmed protected assets, an optional income allowance, and the lowest applicable underlying liability limit. Returns the arithmetic target, additional limit needed, and $0/$1M/$2M/$3M/$5M/$10M scenarios. This is planning, not a quote or a determination of legally exposed assets.

Check an auto, homeowners, renters, or rental-property policy against the underlying liability requirements stated in a specific umbrella quote. Supply requirements from that quote, not assumed carrier minimums. Missing current limits stay unknown. Returns each required increase separately; it does not determine claim payouts or eligibility.