{"ok":true,"site":{"host":"coveragecat.com","url":"https://coveragecat.com/","type":"live","desc":"Coverage Cat is an AI-native insurance broker for high-earning households. Compare home, umbrella, auto, and renters options online, or integrate the Coverage Cat Agent API.","tools":[{"name":"coveragecat-umbrella-consumer-prefill","kind":"act","impl":"imperative","description":"Start Coverage Cat's real consumer umbrella purchase flow on a cold visit. Call this before you ask a questionnaire, then stay on the same consumer subset through review, quotes, selection, declarations upload, and checkout. If Coverage Cat says it reused a recent in-progress umbrella draft for the same email address, tell the shopper the reviewed values may come from that earlier unfinished Coverage Cat application. Do not call those reused values historical_mode unless the matching field_estimates row actually says source historical_mode.","inputSchema":{"additionalProperties":false,"properties":{"credit_consent_pending":{"const":true,"description":"Must be true. Coverage Cat collects consent for a soft credit check only after an umbrella offer is chosen.","type":"boolean"},"field_estimates":{"items":{"additionalProperties":true,"type":"object"},"type":"array"},"intake":{"additionalProperties":true,"type":"object"}},"required":["credit_consent_pending","intake"],"type":"object"},"executable":false,"handlerField":"handler","page":"/","pages":["/"]},{"name":"coveragecat-consumer-intake-issues","kind":"act","impl":"imperative","description":"Continue a Coverage Cat consumer-prefill umbrella handoff with the current uid and intake_access_token. Use this to read the staged review, remaining items, quotes, and post-choose states without switching to delegated tools. If Coverage Cat says it reused a recent in-progress umbrella draft for the same email address, tell the shopper the reviewed values may come from that earlier unfinished Coverage Cat application. Do not call those reused values historical_mode unless the matching field_estimates row actually says source historical_mode.","inputSchema":{"additionalProperties":false,"properties":{"intake_access_token":{"description":"Short-lived bearer returned by a consumer prefill response. Always reuse the freshest token from the latest follow-up response.","type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token"],"type":"object"},"executable":false,"handlerField":"handler","page":"/","pages":["/"]},{"name":"coveragecat-consumer-intake-patch","kind":"act","impl":"imperative","description":"Patch a Coverage Cat consumer-prefill umbrella handoff in chat. Use this for the final staged review turn, bundled shopper-owned details, and the one real submit confirmation.","inputSchema":{"additionalProperties":false,"properties":{"confirm_submission":{"description":"Set true only on the single final review turn.","type":"boolean"},"field_estimates":{"description":"Estimate metadata for inferred values included in the same patch.","items":{"additionalProperties":true,"type":"object"},"type":"array"},"intake":{"additionalProperties":true,"type":"object"},"intake_access_token":{"description":"Short-lived bearer returned by a consumer prefill response. Always reuse the freshest token from the latest follow-up response.","type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token"],"type":"object"},"executable":false,"handlerField":"handler","page":"/","pages":["/"]},{"name":"coveragecat-umbrella-consumer-select","kind":"act","impl":"imperative","description":"Choose one quoted umbrella offer, collect the real shopper's consent for a soft credit check, and let Coverage Cat continue the post-choose consumer flow without switching to delegated tools. If Coverage Cat returns credit_consent_required with a bind-stage next_question, ask for both in one shopper-facing turn and retry select with both credit_consent and intake.","inputSchema":{"additionalProperties":false,"properties":{"credit_consent":{"additionalProperties":true,"type":"object"},"intake":{"additionalProperties":true,"description":"Optional bind-stage answers for the current next_question when select asked for consent and bind details together.","type":"object"},"intake_access_token":{"type":"string"},"selection_confirmed":{"const":true,"type":"boolean"},"selection_token":{"type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token","selection_token","selection_confirmed"],"type":"object"},"executable":false,"handlerField":"handler","page":"/","pages":["/"]},{"name":"coveragecat-umbrella-consumer-bind","kind":"act","impl":"imperative","description":"Continue the Coverage Cat consumer umbrella bind flow only after selection reaches a bind-stage next question or ready-to-finalize state.","inputSchema":{"additionalProperties":false,"properties":{"intake":{"additionalProperties":true,"type":"object"},"intake_access_token":{"type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token"],"type":"object"},"executable":false,"handlerField":"handler","page":"/","pages":["/"]},{"name":"coveragecat-umbrella-consumer-attach","kind":"act","impl":"imperative","description":"Upload declarations or auto declarations during Coverage Cat's consumer umbrella post-choose flow when Coverage Cat says documents are needed. If both files are already available, prefer one attach call with attachments so the shopper only approves one upload turn.","inputSchema":{"additionalProperties":false,"oneOf":[{"required":["uid","intake_access_token","type","filename","content"]},{"required":["uid","intake_access_token","attachments"]}],"properties":{"attachments":{"description":"Upload multiple declarations in one call when both files are already available.","items":{"additionalProperties":false,"properties":{"content":{"description":"Base64-encoded file bytes.","type":"string"},"filename":{"type":"string"},"type":{"enum":["declarations","auto_declarations"],"type":"string"}},"required":["type","filename","content"],"type":"object"},"minItems":1,"type":"array"},"content":{"description":"Base64-encoded file bytes.","type":"string"},"filename":{"type":"string"},"intake_access_token":{"type":"string"},"type":{"enum":["declarations","auto_declarations"],"type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token"],"type":"object"},"executable":false,"handlerField":"handler","page":"/","pages":["/"]},{"name":"coveragecat-umbrella-consumer-payment","kind":"transact","impl":"imperative","description":"Prepare secure Stripe payment collection for Coverage Cat's consumer umbrella post-choose flow, or submit the resulting reusable payment method once the shopper completes the secure form. Use this only after Coverage Cat returns payment_needed. If your runtime cannot securely collect payment details, fall back to payment_url instead.","inputSchema":{"additionalProperties":false,"oneOf":[{"required":["uid","intake_access_token","payment_collection_requested"]},{"required":["uid","intake_access_token","setup_intent_id","payment_method_id"]}],"properties":{"intake_access_token":{"type":"string"},"payment_collection_requested":{"const":true,"description":"Use true on the first payment call to request Stripe publishable_key, client_secret, and setup_intent_id for secure card collection.","type":"boolean"},"payment_method_id":{"description":"Reusable Stripe PaymentMethod id produced by the secure client-side setup confirmation.","type":"string"},"setup_intent_id":{"description":"SetupIntent id returned by the earlier payment_collection_ready response after the shopper completes secure Stripe collection.","type":"string"},"uid":{"type":"string"}},"required":["uid","intake_access_token"],"type":"object"},"executable":false,"handlerField":"handler","page":"/","pages":["/"]}],"category":"Finance & Crypto","favicon":"/favicons/coveragecat.com.png","apiSurface":"spec","toolCount":7}}