com.coveragecat/insurance

Tools

• auto_estimates

  Estimate monthly auto premiums across carriers for a single driver and vehicle profile.

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• collision_and_comprehensive_coverage

  Compare long-run collision and comprehensive coverage costs for the current auto profile.

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• consumer_intake_issues

  Continue 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 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.

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• consumer_intake_patch

  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.

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• docs_get_resource

  Read a specific Coverage Cat docs resource by URI and return the markdown, JSON, or YAML body from the default consumer MCP.

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• docs_list_topics

  List Coverage Cat documentation topics, runtime skills, and machine-readable artifacts from the same default consumer MCP connection.

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• docs_search

  Search quickstart, auth, sandbox, OpenAPI, and runtime skill docs without installing the optional docs-only MCP server.

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• file_a_claim

  Estimate whether filing an auto claim is likely better than paying out of pocket.

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• home_calculator

  Estimate annual home insurance pricing for a California property by ZIP code, square footage, and risk factors.

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• homeowners_agent_finder

  Find licensed homeowners agents in supported states by ZIP code and line type.

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• homeowners_consumer_bind

  Continue the consumer-prefill homeowners bind follow-up only after 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. Stay on the same consumer-operated MCP subset, confirm the previewed terms and registered customer-email channel, then send preview_token with bind_confirmed: true. Coverage Cat cannot collect homeowners payment in chat; any carrier payment or signing link will be emailed directly to the customer's email on file.

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• homeowners_consumer_policy

  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.

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• 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.

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• homeowners_consumer_select

  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.

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• homeowners_consumer_service

  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.

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• umbrella_calculator

  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.

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• umbrella_consumer_attach

  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.

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• umbrella_consumer_bind

  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.

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• umbrella_consumer_payment

  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.

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• umbrella_consumer_policy

  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.

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• 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.

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• umbrella_consumer_select

  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.

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• umbrella_consumer_service

  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.

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