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8 clients · secrets stay placeholders

JSON (mcpServers)Claude CodeCodexOpenCodeCursorVS CodeGemini CLIGoose

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

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

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

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "insurance": {
      "type": "remote",
      "url": "https://www.coveragecat.com/api/consumer/mcp",
      "enabled": true
    }
  }
}

{
  "mcpServers": {
    "insurance": {
      "type": "http",
      "url": "https://www.coveragecat.com/api/consumer/mcp"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=insurance&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vd3d3LmNvdmVyYWdlY2F0LmNvbS9hcGkvY29uc3VtZXIvbWNwIn0%3D"
}

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

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

extensions:
  "insurance":
    enabled: true
    name: "insurance"
    type: streamable_http
    uri: "https://www.coveragecat.com/api/consumer/mcp"
    timeout: 300

Quality 81 / 100new

protocol75 · weight 25

warn
protocol.modernnewest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
n/a
protocol.statelessonly applies to 2026-07-28 servers
pass
protocol.transportstreamable HTTP
n/a
protocol.list_ttlonly applies to 2026-07-28 servers

authorizationn/a · weight 15

n/a
auth.prm, auth.as_metadata, auth.cimdno remote uses OAuth
n/a
auth.secret_in_urlno templated URL

tool hygiene86 · weight 30

pass
tools.descriptionsevery tool has a description
warn
tools.description_length7 tools have descriptions over 1,024 characters, which crowds the context
pass
tools.schemasevery tool has an object input schema
pass
tools.annotations23 of 23 tools declare readOnlyHint or destructiveHint
pass
tools.directory_hintsevery tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
warn
tools.token_costabout 12,208 tokens to load every tool
pass
tools.api_dumptools are not a one-to-one API dump

stabilityn/a · weight 15

n/a
stability.changes, stability.rug_pulltool history recorded for 3 of the 7 days needed

dependenciesn/a · weight 15

n/a
deps.known_vulns, deps.mcp_sdk_version, deps.resolvableno npm or PyPI package

23 tools, about 12,208 tokens to load them all · tool set e858610e4136 · tools last changed 2026-10-19 · checked 2026-10-20 14:54 UTC

Tool changes

2026-10-19docs_get_resourcechangeddescription, output schema
before
Read a specific Coverage Cat docs resource by URI and return the markdown, JSON, or YAML body from the default consumer MCP.
after · 51% of words in common
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.
2026-10-19docs_searchchangeddescription, input schema, output schemameaning changed
before
Search quickstart, auth, sandbox, OpenAPI, and runtime skill docs without installing the optional docs-only MCP server.
after · 46% of words in common
Search quickstart, auth, sandbox, OpenAPI, and runtime skill docs on this consumer MCP connection and return the best matching topics.
2026-10-19docs_list_topicschangeddescription, input schema, output schemameaning changed
before
List Coverage Cat documentation topics, runtime skills, and machine-readable artifacts from the same default consumer MCP connection.
after · 40% of words in common
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.
2026-10-19homeowners_agent_finderchangeddescription, input schema, output schemameaning changed
before
Find licensed homeowners agents in supported states by ZIP code and line type.
after · 42% of words in common
Find licensed homeowners agents in supported states and return the matching agent records, source dataset, and supported-state summary for the ZIP code search.
2026-10-19file_a_claimchangedtitle, description, input schema, output schemameaning changed
before
Estimate whether filing an auto claim is likely better than paying out of pocket.
after · 48% of words in common
Estimate the premium impact of an auto claim, the projected total claim cost, and whether filing looks cheaper than paying out of pocket.
2026-10-19collision_and_comprehensive_coveragechangeddescription, input schema, output schema
before
Compare long-run collision and comprehensive coverage costs for the current auto profile.
after · 50% of words in common
Compare the monthly and multi-year cost scenarios for carrying collision and comprehensive coverage on the current auto profile.
2026-10-19auto_estimateschangeddescription, input schema, output schema
before
Estimate monthly auto premiums across carriers for a single driver and vehicle profile.
after · 55% of words in common
Estimate monthly auto premiums across carriers for one driver and vehicle profile, and return the normalized inputs used for the comparison.
2026-10-19umbrella_calculatorchangeddescription, input schema, output schema
before
Research-only estimate of annual personal umbrella pricing bands by coverage limit and household risk factors. Use this for directional pricing, not when the shopper wants Coverage Cat to shop for or buy umbrella insurance.
after · 71% of words in common
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.
2026-10-19home_calculatorchangeddescription, input schema, output schemameaning changed
before
Estimate annual home insurance pricing for a California property by ZIP code, square footage, and risk factors.
after · 36% of words in common
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.
2026-10-19homeowners_consumer_servicechangedtitle, input schema, annotations

Showing the latest 10. Full history: list_changes · trend: quality JSON.

Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. How it is computed.

Trust 83 / 100

no-repository

provenance55

liveness100

freshness100

hygiene80

+dns-namespace +website +reachable +uptime-100% +updated-3d-ago -no-repository

Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. How it is computed.

Endpoints

remote	auth	reachable	uptime 30d	p50	protocol	last ok
`https://www.coveragecat.com/api/consumer/mcp` streamable-http	none	yes	100%	449 ms	2025-11-25	2026-10-20

Tools (23)

`auto_estimates`read-only	Estimate monthly auto premiums across carriers for one driver and vehicle profile, and return the normalized inputs used for the comparison.
`collision_and_comprehensive_coverage`read-only	Compare the monthly and multi-year cost scenarios for carrying collision and comprehensive coverage on the current auto profile.
`consumer_intake_issues`read-only	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. 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 tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the default consumer-operated subset and, before submission, say explicitly that the application is not submitted yet. For homeowners, treat `missing_fields` as hidden enrichment backlog, keep recovering context-backed facts, reserve one final review turn, and use `consumer_intake_patch` with `message_reply` when `conversation.reply_pending` surfaces insurer or shopper follow-up. 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.
`consumer_intake_patch`destructive	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-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the default consumer-operated subset. For homeowners, use `intake` to add context-backed or property-backed answers while keeping the user out of a questionnaire until the one-time review, and after submission use `message_reply` plus optional `reply_to_message_id` for insurer or shopper follow-up surfaced under `conversation.messages`. 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.
`docs_get_resource`read-only	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`read-only	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`read-only	Search quickstart, auth, sandbox, OpenAPI, and runtime skill docs on this consumer MCP connection and return the best matching topics.
`file_a_claim`read-only	Estimate the premium impact of an auto claim, the projected total claim cost, and whether filing looks cheaper than paying out of pocket.
`home_calculator`read-only	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`read-only	Find licensed homeowners agents in supported states and return the matching agent records, source dataset, and supported-state summary for the ZIP code search.
`homeowners_consumer_bind`destructive	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, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Reuse the returned preview_token, set bind_confirmed: true, and stay on the same consumer-operated follow-up tool set. Coverage Cat cannot collect homeowners payment in chat; any carrier payment or signing link is emailed to the customer's email on file.
`homeowners_consumer_policy`read-only	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 host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Use this read-only tool after Coverage Cat reports a policy on file, or after a service request is opened, to show policy facts without switching to delegated tools.
`homeowners_consumer_prefill`	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 coverage. If that coverage type is still unknown, ask the shopper to reply with exactly one of `standard homeowners`, `condo`, or `landlord`, then enrich from user-controlled context and property sources before handing off to Coverage Cat. Recover core shopper and occupancy facts from that context before relying on estimated review data. Stay on the same consumer-operated subset through review, quote polling, `homeowners_consumer_select`, `homeowners_consumer_bind`, `homeowners_consumer_policy`, and `homeowners_consumer_service`. Homeowners quotes or carrier bind follow-up may take up to 48 hours. If `consumer_intake_issues` returns `conversation.reply_pending`, answer in chat with `consumer_intake_patch` and `message_reply`. 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 tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Homeowners payment or signing links must be sent to the customer's own email inbox on file. Until submission, tell the shopper the application is not submitted yet.
`homeowners_consumer_select`destructive	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 tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the same consumer-operated MCP subset, use the returned selection_token, and let Coverage Cat stage the exact selected offer for one final bind approval in chat. This select step does not collect payment and does not start carrier bind follow-up yet.
`homeowners_consumer_service`destructive	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 this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. 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.
`umbrella_calculator`read-only	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`destructive	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 this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. 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.
`umbrella_consumer_bind`destructive	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 that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. 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.
`umbrella_consumer_payment`destructive	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 preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. 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.
`umbrella_consumer_policy`read-only	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 host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Use this read-only tool after Coverage Cat reports a policy on file, or after a service request is opened, to show policy facts without switching to delegated tools.
`umbrella_consumer_prefill`	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. 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 tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. 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.
`umbrella_consumer_select`destructive	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 tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Stay on the same consumer-operated MCP subset, use the returned selection_token, collect the real user's consent for a soft credit check here, and let Coverage Cat enter the normal post-choose workflow without switching to delegated tools. 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 still returns credit_consent_required with a bind-stage next_question, ask for both the soft-credit-check consent and those bind details in one shopper-facing turn, then retry this same tool with both credit_consent and intake.
`umbrella_consumer_service`destructive	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 same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. 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.

Schemas: list_tools.

Similar MCP servers

Official server.json

{
  "name": "com.coveragecat/insurance",
  "title": "Coverage Cat",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://www.coveragecat.com/api/consumer/mcp",
      "type": "streamable-http"
    }
  ],
  "version": "1.0.0",
  "websiteUrl": "https://www.coveragecat.com",
  "description": "Get umbrella and homeowners insurance quotes, select a policy, and bind coverage."
}