MCP servers › com.coveragecat › insurance

MCP server · registry snapshot 2026-10-23 · last tested 2026-10-23

com.coveragecat/insurance

Get umbrella and homeowners insurance quotes, select a policy, and bind coverage. — the publisher's description

1 of 2 record checks metRead-only · tools listed 2026-10-23Topic: finance-and-payments · AI-classifiedversion 1.0.0streamable HTTP23 tools

Summary

com.coveragecat/insurance is a remote MCP server listed in the official MCP registry at version 1.0.0. On 2026-10-23 ProtocolProbe connected to it in read-only mode and read its inventory: 23 tools, 21 resources and 0 prompts.

Record checks

1 of 2 record checks met · 7 do not apply

met: Registry entry is active and says how to run it
not met: Source repository link opens
not applicable: Repository is not archived
not applicable: Code pushed to the repository in the 90 days before our check
not applicable: Repository publishes a security policy (SECURITY.md)
not applicable: Package names its licence with a standard (SPDX) identifier
not applicable: The version the registry lists can be installed and is not withdrawn
not applicable: npm package carries build provenance (attestation)
not applicable: No known critical or high advisory in the package or its dependencies

Not ranked by downloads: a remote server publishes no download figure
Not ranked by stars: no public GitHub repository

From public records, not a safety rating. Each check with its reason · Is it safe to install?

Key facts

Runs: remote (hosted by the publisher)
Transport: streamable HTTP
Sign-in: none needed to open a session
Tools: 23
Described as changing data: 11 of 23 toolsAI-classified
Mainly works on: accounts and data in outside web servicesAI-classified
Topic: finance-and-paymentsAI-classified
Last tested: 2026-10-23

Add to your client

Observed fact

This server accepted a session without any credential and lists 9 tools whose name or declaration suggests they change data (consumer_intake_patch, umbrella_consumer_select, umbrella_consumer_bind, umbrella_consumer_attach, umbrella_consumer_payment and 4 more). That is our reading of the names; we did not call them. Source: our connection, 2026-10-23.

Worth knowing before you connect it

11 tools are described as changing something (umbrella_consumer_prefill, homeowners_consumer_prefill, consumer_intake_patch, …): our AI model's reading of the descriptions, not something we tested, and the server opened a session without any credential. We did not call them.

Each line comes from a section below, with its source and date.

How fresh this is

Live-tested: yes, a real session (not a text-only review)
Last tested: 2026-10-23
Mode: read-only (no tool calls)
Latest version: 1.0.0, published 2026-10-17 (registry, as of the 2026-10-23 snapshot)
First listed version: 2026-10-17 (earliest version still in the registry; older removed versions would be earlier)
Registry data: snapshot 2026-10-23
Package and repository: checked 2026-10-22
Engine: mcp-runtime-engine@0.1.0 · sdk@1.32.0

Changes since the last refresh

New in the registry: not in the list of 2026-10-04, listed on 2026-10-23 with version 1.0.0 (published 2026-10-17).

Source: the official MCP Registry list on 2026-10-04 and on 2026-10-23.

What it is

What does this server offer?

Observed inventory

23tools

21resources

0prompts

What it mainly works on, as our AI model read its tool descriptions: accounts and data in outside web services.

11 of 23 tools are described as changing something (creating, editing, deleting, sending or running).

umbrella_consumer_prefilldescribed as changing data
“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.”
Publisher declares: read-only no · destructive no · idempotent yes · open-world no
5 inputs, 2 required
- credit_consent_pendingbooleanrequired“Declares that this handoff starts before the shopper has given soft-credit-check consent, so do not ask about credit now.”
- field_estimatesarray“Provenance for intake values you inferred from context rather than heard from the shopper, one row per inferred value.”
- idempotency_keystring“Key you generate to identify one logical umbrella_consumer_prefill request, so a retry cannot apply it twice.”
- intakeobjectrequired“Fullest currently known consumer umbrella application patch.”
- sandboxboolean“Set true on this first prefill call to run a fully synthetic shopper rehearsal instead of a live application.”
homeowners_consumer_prefilldescribed as changing data
“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.”
Publisher declares: read-only no · destructive no · idempotent yes · open-world no
4 inputs, 2 required
- credit_consent_pendingbooleanrequired“Declares that this handoff starts before the shopper has given soft-credit-check consent, so do not ask about credit now.”
- field_estimatesarray“Provenance for home values you inferred from context or property data rather than heard from the shopper, one row per inferred value.”
- idempotency_keystring“Key you generate to identify one logical homeowners_consumer_prefill request, so a retry cannot apply it twice.”
- intakeobjectrequired“Fullest currently known homeowners application assembled from the user's own context: shopper name and email plus a `home` row (object or one-row array) with t…”
consumer_intake_issuesreads or searches
“Continue a consumer-prefill homeowners or umbrella handoff in chat.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
2 inputs, 1 required
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
consumer_intake_patchcreates or changes datadescribed as changing data
“Patch or submit a consumer-prefill homeowners or umbrella handoff in chat.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
8 inputs, 1 required
- confirm_submissionboolean“Set true only on the single final review turn.”
- field_estimatesarray“Umbrella provenance for values in this same patch that you inferred rather than heard from the shopper, one row per inferred value.”
- idempotency_keystring“Key you generate to identify one logical consumer_intake_patch request, so a retry cannot apply it twice.”
- intakeobject“Top-level intake edits.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- message_replystring“Homeowners post-submit only.”
- reply_to_message_idinteger“Homeowners post-submit message_id from conversation.messages[] that message_reply answers in-thread, when Coverage Cat returned a specific message to reply to.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
umbrella_consumer_selectdescribed as changing data
“Continue the consumer-prefill umbrella flow after quotes are ready.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
8 inputs, 3 required
- credit_consentobject“Real-user consent for a soft credit check, collected on the selection turn when Coverage Cat asks for it.”
- idempotency_keystring“Key you generate to identify one logical umbrella_consumer_select request, so a retry cannot apply it twice.”
- intakeobject“Bind-stage answers for the current next_question, or the chosen offer's selection_guidance.same_reply_requirements, keyed by the field names Coverage Cat asked…”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- selection_confirmedbooleanrequired“Attests that the shopper explicitly picked the offer named by selection_token in chat, rather than the agent choosing for them.”
- selection_tokenstringrequired“selection_token of the shopper's chosen offer from `offers[]` in the latest quoted follow-up response.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
- um_uim_electionboolean or string or object“The shopper's choice to include or decline the offer's $1M excess UM/UIM option, when they make it in the same selection reply.”
umbrella_consumer_bindcreates or changes datadescribed as changing data
“Continue the consumer-prefill umbrella bind follow-up only after select returns needs_more_info_to_bind or ready_to_finalize.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
4 inputs, 1 required
- idempotency_keystring“Key you generate to identify one logical umbrella_consumer_bind request, so a retry cannot apply it twice.”
- intakeobject“Answers to the current bind-stage next_question, keyed by the field names Coverage Cat asked for, such as vehicle details for a selected Markel offer.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
umbrella_consumer_attachcreates or changes datadescribed as changing data
“Upload declarations or auto declarations during the consumer-prefill umbrella post-choose flow.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
7 inputs, 1 required
- attachmentsarray“Upload multiple declarations in one call when both files are already available.”
- contentstring“The whole declarations document named by filename, not an excerpt, summary, or extracted text.”
- filenamestring“Original file name with its extension, such as `home-declarations.pdf`.”
- idempotency_keystring“Key you generate to identify one logical umbrella_consumer_attach request, so a retry cannot apply it twice.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- typestring“Which policy the declarations page belongs to: `declarations` for the home, condo, renters, or landlord policy, or `auto_declarations` for the auto policy.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
umbrella_consumer_paymentdescribed as changing data
“Prepare secure Stripe payment collection or submit the resulting payment method during the consumer-prefill umbrella post-choose flow.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
6 inputs, 1 required
- idempotency_keystring“Key you generate to identify one logical umbrella_consumer_payment request, so a retry cannot apply it twice.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- payment_collection_requestedboolean“Starts secure card collection: Coverage Cat prepares a Stripe SetupIntent and returns the publishable_key, client_secret, and setup_intent_id the registered pa…”
- payment_method_idstring“Reusable Stripe PaymentMethod id produced by secure client-side setup confirmation.”
- setup_intent_idstring“SetupIntent id returned by the earlier payment_collection_ready response.”
- uidstringrequired“Coverage Cat intake uid for the current shopper session.”
umbrella_consumer_policyreads or searches
“Read the current bound or cancelled umbrella policy record, policy documents, and any existing cancellation, refund, or support request history.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
2 inputs, 1 required
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
umbrella_consumer_servicedescribed as changing data
“Preview or open a cancellation, refund, or support request for a consumer umbrella policy.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
8 inputs, 3 required
- confirm_requestboolean“Whether to open the request now.”
- detailsstring“Shopper-approved context beyond the short reason, such as the specifics of a billing dispute, recorded on the request and its preview.”
- idempotency_keystring“Key you generate to identify one logical umbrella_consumer_service request, so a retry cannot apply it twice.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- reasonstringrequired“Short shopper-approved reason for the request.”
- request_typestringrequired“What the shopper wants done after purchase.”
- requested_effective_datestring“Day the shopper wants a cancellation to take effect; used only for policy_cancellation.”
- uidstringrequired“Coverage Cat intake uid for the current shopper session.”
homeowners_consumer_selectdescribed as changing data
“Continue the consumer-prefill homeowners flow after quotes are ready.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
5 inputs, 3 required
- idempotency_keystring“Key you generate to identify one logical homeowners_consumer_select request, so a retry cannot apply it twice.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- selection_confirmedbooleanrequired“Attests that the shopper explicitly picked the offer named by selection_token in chat, rather than the agent choosing for them.”
- selection_tokenstringrequired“selection_token of the shopper's chosen offer from `offers[]` in the latest quoted follow-up response.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
homeowners_consumer_bindcreates or changes datadescribed as changing data
“Confirm the previewed homeowners offer after `homeowners_consumer_select` returns `ready_to_finalize`.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
5 inputs, 3 required
- bind_confirmedbooleanrequired“Attests that the shopper approved the previewed homeowners bind terms in chat, including email delivery of any carrier payment or signing links.”
- idempotency_keystring“Key you generate to identify one logical homeowners_consumer_bind request, so a retry cannot apply it twice.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- preview_tokenstringrequired“Preview token returned by `homeowners_consumer_select` in the `ready_to_finalize` response for this exact offer.”
- uidstringrequired“Coverage Cat intake uid returned by the earlier homeowners consumer-prefill or follow-up response.”

Show 11 more tools

homeowners_consumer_policyreads or searches
“Read the current bound or cancelled homeowners policy record, policy documents, and any existing cancellation, refund, or support request history.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
2 inputs, 1 required
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- uidstringrequired“Coverage Cat intake uid returned by `umbrella_consumer_prefill` or `homeowners_consumer_prefill` and echoed on every follow-up response.”
homeowners_consumer_servicedescribed as changing data
“Preview or open a cancellation, refund, or support request for a consumer homeowners policy.”
Publisher declares: read-only no · destructive yes · idempotent yes · open-world no
8 inputs, 3 required
- confirm_requestboolean“Whether to open the request now.”
- detailsstring“Shopper-approved context beyond the short reason, such as the specifics of a billing dispute, recorded on the request and its preview.”
- idempotency_keystring“Key you generate to identify one logical homeowners_consumer_service request, so a retry cannot apply it twice.”
- intake_access_tokenstring“Bearer fallback for this same MCP follow-up tool when your host cannot preserve Coverage Cat's hidden shopper session.”
- reasonstringrequired“Short shopper-approved reason for the request.”
- request_typestringrequired“What the shopper wants done after purchase.”
- requested_effective_datestring“Day the shopper wants a cancellation to take effect; used only for policy_cancellation.”
- uidstringrequired“Coverage Cat intake uid for the current shopper session.”
home_calculator
“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.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
3 inputs, 2 required
- home_sqftintegerrequired“Approximate finished living area of the home in square feet.”
- risk_factorsarray“Optional Coverage Cat risk-factor ids, such as `pool` or `old_systems`, for property traits that can change premium.”
- zipstringrequired“ZIP code for the California property being estimated.”
umbrella_calculator
“Research-only estimate of annual personal umbrella pricing bands, the inferred risk class, and per-factor impacts for directional pricing.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
11 inputs, 1 required
- antique_vehiclesinteger“How many collector or antique vehicles should be counted in the risk profile.”
- at_fault_accidentsinteger“Total at-fault accidents across all household drivers.”
- auto_countinteger“How many cars, trucks, or SUVs are in the household auto profile.”
- drivers_over_70integer“Number of drivers in the household who are 70 or older.”
- drivers_under_22integer“Number of drivers in the household who are younger than 22.”
- jet_skisinteger“Count of personal watercraft such as jet skis.”
- large_watercraftinteger“Count of boats or other large watercraft that add umbrella liability exposure.”
- motorcyclesinteger“How many motorcycles should be added to the total vehicle exposure.”
- moving_violationsinteger“Total moving violations across all household drivers.”
- property_countinteger“How many residential properties the household owns or carries liability for.”
- zipstringrequired“ZIP code for the household being priced.”
auto_estimates
“Estimate monthly auto premiums for one driver and vehicle profile across several carriers.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
11 inputs, 4 required
- ageintegerrequired“Age in years of the driver being priced; the model converts it to a birth year.”
- collision_deductibleinteger“Dollars the driver pays toward a collision repair before collision coverage pays the rest.”
- comprehensive_deductibleinteger“Dollars the driver pays toward non-collision damage, such as theft, hail, or vandalism, before comprehensive coverage pays the rest.”
- genderstringrequired“Driver gender code the pricing model rates on: `M` for male, `F` for female, or `N` when not specified.”
- makestring“Vehicle manufacturer, such as `Toyota` or `Honda`.”
- modelstring“Vehicle model, such as `Camry` or `Civic`.”
- seedinteger“Optional deterministic seed for the estimate sample when a caller wants stable repeat runs.”
- statestringrequired“Two-letter state code for the garaging address or rating state.”
- stylestring“Vehicle trim, body style, or submodel when you want to narrow the vehicle match.”
- yearinteger“Vehicle model year.”
- zipstringrequired“ZIP code for the driver or garaging location being priced.”
collision_and_comprehensive_coverage
“Estimate what collision and comprehensive coverage cost for one driver and vehicle profile, to help decide whether to carry them.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
11 inputs, 4 required
- ageintegerrequired“Age in years of the driver being priced; the model converts it to a birth year.”
- collision_deductibleinteger“Dollars the driver pays toward a collision repair before collision coverage pays the rest.”
- comprehensive_deductibleinteger“Dollars the driver pays toward non-collision damage, such as theft, hail, or vandalism, before comprehensive coverage pays the rest.”
- genderstringrequired“Driver gender code the pricing model rates on: `M` for male, `F` for female, or `N` when not specified.”
- makestring“Vehicle manufacturer, such as `Toyota` or `Honda`.”
- modelstring“Vehicle model, such as `Camry` or `Civic`.”
- seedinteger“Optional deterministic seed for the estimate sample when a caller wants stable repeat runs.”
- statestringrequired“Two-letter state code for the garaging address or rating state.”
- stylestring“Vehicle trim, body style, or submodel when you want to narrow the vehicle match.”
- yearinteger“Vehicle model year.”
- zipstringrequired“ZIP code for the driver or garaging location being priced.”
file_a_claim
“Estimate whether filing an auto collision claim costs more than paying for the repair yourself.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
12 inputs, 5 required
- ageintegerrequired“Age in years of the driver being priced; the model converts it to a birth year.”
- collision_deductibleinteger“Dollars the driver pays toward a collision repair before collision coverage pays the rest.”
- comprehensive_deductibleinteger“Dollars the driver pays toward non-collision damage, such as theft, hail, or vandalism, before comprehensive coverage pays the rest.”
- genderstringrequired“Driver gender code the pricing model rates on: `M` for male, `F` for female, or `N` when not specified.”
- makestring“Vehicle manufacturer, such as `Toyota` or `Honda`.”
- modelstring“Vehicle model, such as `Camry` or `Civic`.”
- repair_estimateintegerrequired“Approximate dollar amount you expect to pay to repair the vehicle if you do not file a claim.”
- seedinteger“Optional deterministic seed for the estimate sample when a caller wants stable repeat runs.”
- statestringrequired“Two-letter state code for the garaging address or rating state.”
- stylestring“Vehicle trim, body style, or submodel when you want to narrow the vehicle match.”
- yearinteger“Vehicle model year.”
- zipstringrequired“ZIP code for the driver or garaging location being priced.”
homeowners_agent_finderreads or searches
“Find licensed homeowners insurance agents near a ZIP code using state department of insurance licensing data.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
3 inputs, 1 required
- limitinteger“How many agent records to return.”
- linesarray“Insurance lines the agent should handle, such as `homeowners`, `condominium`, `dwelling_fire`, or `renters`; an agent listed for any of them matches, and synon…”
- zipstringrequired“ZIP code to search for nearby homeowners agents.”
docs_list_topicsreads or searches
“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.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
2 inputs
- categorystring“Docs category to browse: `developers` for guides such as quickstart, auth, sandbox, and MCP setup, `api` for discovery and OpenAPI documents, `skills` for runt…”
- limitinteger“How many topics to return from the start of the filtered catalog.”
docs_searchon 11 other serversreads or searches
“Search quickstart, auth, sandbox, OpenAPI, and runtime skill docs on this consumer MCP connection.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
2 inputs, 1 required
- limitinteger“How many of the best-ranked topics to return.”
- querystringrequired“Search terms describing the documentation need.”
docs_get_resourcereads or searches
“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.”
Publisher declares: read-only yes · destructive no · idempotent yes · open-world no
1 input, 1 required
- uristringrequired“A coveragecat:// or ui:// resource URI from docs_list_topics or docs_search.”

Each quoted sentence is the first sentence of the publisher’s own description. The kind of tool and the “changes data” mark are our AI model’s reading of that description, not something we tested: two differently worded runs had to agree, otherwise no label is shown, and nobody has checked them by hand. A tool without the “changes data” mark is described as only reading, searching or calculating, or the two runs did not agree. No tool was called. Read the publisher’s full description before relying on it. “Publisher declares” lists the hints the server itself sends with the tool (MCP annotations: read-only, destructive, idempotent, open-world); they are the publisher's claims, not checked by us. Inputs are the parameters in the tool's own input schema: name, declared type, whether it is required, and the first sentence of its description. Read 2026-10-23.

How well are its tools described?

Features #4 and #5

How clearly this server's own tool descriptions say what a tool does, and how consistent its tool list is. The first part is an AI model's yes/no reading of each description; the second part is counted. We do not turn it into a grade.

Descriptions

AI reading of each description

Says what the tool does: 100% of 23 tools
Says what it returns: 61% of 23 tools
States limits, defaults or errors: 0% of 23 tools
Says when to use it: 100% of 23 tools
Items covered per tool: 2.6 of 4 on average

Counted from the listing

Parameters with a description: 100% of 130
Tools with a description: 100% of 23
Typical description length: 766 characters

The tool set

Counted from the listing

Tools: 23
Size of the list: about 75,569 tokens for an agent to load (characters ÷ 4)
Naming: 23 of 23 names use snake_case

AI reading: easy to mix up

No pair found.

The AI items cover 23 of 23 tools: for a tool where two differently worded runs disagreed, that item is left out. They were not checked by hand, and no tool was called. “Easy to mix up” means two tools whose names or descriptions overlap without saying how they differ; the AI found none. We do not rate whether the tool set is complete or whether side effects are spelled out, because our AI reading of those was not reliable enough.

How do I add it to my client?

Config from the registry entry

From the remote endpoint (Streamable HTTP)

We connected to this URL on 2026-10-23 (a read-only session: no tool was called).

Add to CursorAn install link in the format Cursor documents, holding the Cursor config below.

Claude Desktop or claude.ai

Settings → Connectors → Add custom connector, then paste:
https://www.coveragecat.com/api/consumer/mcp

Cursor · .cursor/mcp.json in a project, or ~/.cursor/mcp.json

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

VS Code · .vscode/mcp.json

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

VS Code (command line) · Bash or zsh terminal (macOS, Linux)

code --add-mcp '{"name":"insurance","type":"http","url":"https://www.coveragecat.com/api/consumer/mcp"}'

Claude Code

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

Try it in the MCP Inspector · runs on your machine, opens in your browser · Node 22.19+

npx @modelcontextprotocol/inspector@2.11.0 --server-url https://www.coveragecat.com/api/consumer/mcp --transport http

The server runs on the operator's infrastructure; it may ask you to sign in when you first connect.
The MCP Inspector lists the server's tools, resources and prompts; a tool you call there runs for real.

Built from the server's registry entry with each client's documented format (checked 2026-10-14; the Cursor link and the VS Code command 2026-10-19; the MCP Inspector command 2026-10-21). Values in < > are yours to fill in; this page never contains a key. Where the server needs a setting the entry does not declare, it can still fail to start.

Does the registry listing match what we found?

Feature #6

The registry verifies a package once, when it is published, and does not re-check it. A difference below is about the listing, not a judgement of the publisher.

Registry says	We found	Result	Source · date
Remote endpoint www.coveragecat.com/api/consumer/mcp	Session opened	matches	our test · 2026-10-23
No credential declared as required	Opened a session without any credential	matches	our test · 2026-10-23

Choosing

Record checks

Public records · not a safety rating

1 of 2 record checks met · 7 do not apply

Not ranked by downloads: a remote server publishes no download figure
Not ranked by stars: no public GitHub repository

MetRegistry entry is active and says how to run itActive, with a package or a remote address.
Not metSource repository link opensThe registry entry gives no repository link.
Does not applyRepository is not archivedNo public GitHub repository to read.
Does not applyCode pushed to the repository in the 90 days before our checkNo public GitHub repository to read.
Does not applyRepository publishes a security policy (SECURITY.md)No public GitHub repository to read.
Does not applyPackage names its licence with a standard (SPDX) identifierRemote server: it ships no package.
Does not applyThe version the registry lists can be installed and is not withdrawnRemote server: it ships no package.
Does not applynpm package carries build provenance (attestation)Remote server: it ships no package.
Does not applyNo known critical or high advisory in the package or its dependenciesRemote server: it ships no package.

Read from public records only: the registry entry, npm/PyPI, GitHub and advisory databases, checked 2026-10-22. No tool was called. Only “met” and “not met” are counted, so the total differs between servers; a check that does not apply or that we could not run is listed, never counted against it. It is not a safety rating. How each check works · Leaderboards

Common questions about com.coveragecat/insurance

Answered from the data above

Is com.coveragecat/insurance safe to install?

We do not rate servers as safe or unsafe. 1 of its 2 applicable record checks are met (facts from public records, each listed on this page). What the records show: 11 of its tools describe changing data (our AI model's reading of the descriptions). These are facts with their sources on this page, not a safety guarantee, and we did not run its tools.

Does com.coveragecat/insurance need an API key or sign-in?

It opened a session without any credential on 2026-10-23. The registry entry declares no required credential; no declaration is not a guarantee.

Has com.coveragecat/insurance been security tested?

Partly. 4 of the 15 checks that apply to it were exercised. It accepted a session without any credential and lists tools whose names suggest they change data. We did not call them. No security verdict is published before verification.

What can com.coveragecat/insurance do?

It lists 23 tools. In our AI model's reading of their descriptions (two runs had to agree, nobody checked it by hand), they include tools that read or search and create or change data. We did not call any tool, so this describes the text, not the behaviour.

Can com.coveragecat/insurance change or delete data?

11 of its tools say in their description that they create, edit, delete, send or run something (our AI model's reading). We did not call any tool, so we cannot say what actually happens.

Found this page useful?

Anonymous · no sign-in

A quick, anonymous reaction — no account, no email. One per kind from your browser. The tally updates when the page is next refreshed, and it is only a rough count, never a safety rating or a measured number of people.

Similar servers

Same topic · AI-read

io.github.vybenetwork/solana-mcp-vybeSolana MCP by Vybealso has tools that creates or changes data, reads or searchescompare with this one
io.github.mnemox-ai/tradememory-protocolalso has tools that creates or changes data, reads or searchescompare with this one
io.github.agent-next/polymarket-paper-traderPolymarket Paper Traderalso has tools that creates or changes data, reads or searchescompare with this one
io.github.DeHor-Labs/mcp-fiscal-brasilMCP Fiscal Brasilalso has tools that creates or changes data, reads or searchescompare with this one
io.github.codespar/mcp-khipualso has tools that creates or changes data, reads or searchescompare with this one
io.github.nirholas/threews-pumpfunthree.ws pump.fun MCPalso has tools that creates or changes data, reads or searchescompare with this one

Active servers whose topic is also “finance-and-payments” and that have at least one tool of the same kind; most kinds in common first, then most GitHub stars. The topic and the tool kinds are an AI model's reading of the publishers' descriptions, not checked by hand. Similar is not a recommendation.

Compare with another server

Side by side: registry entry, our read-only session, the tools and the 18 classification fields. Same values as each page; no score.

Security testing

What did we test, and what did we leave out?

18 checks · features #1, #2

Open without sign-in

It accepted a session without any credential and lists tools whose names suggest they change data. We did not call them. No security score is given; a check we did not run is never counted as passed.

The 18 checks at a glanceour test · 2026-10-23

Inventory: exercised
Hidden instructions: exercised
Real execution: not run · our policy
Secret leak: not run · nothing to check it against
Internal addresses: not run · our policy
Unconfirmed changes: not run · our policy
Bad input: not run · our policy
Model requests: not run · nothing to check it against
Sensitive questions: not run · nothing to check it against
Folder boundary: not run · our policy
Log leaks: not run · nothing to check it against
Hidden content: exercised
Fake assistant turns: not applicable
Token passthrough: not applicable
Token audience: not applicable
Sign-in redirect: not run · our policy
Consent handling: not testable from outside
Sign-in metadata: exercised

4 exercised11 not run (reason given)3 not applicable

Each check ends in exactly one state: exercised, not run (with the reason), or not applicable (with the reason). 4 of the 15 checks that apply to it were exercised. We do not publish security-check outcomes for named servers.

Exercised · 4

1Inventory
tool-listReads the declared tools, resources and prompts.exercised
2Hidden instructions
description-poisoningLooks for hidden instructions in tool descriptions.exercised
12Hidden content
audience-hidingChecks resources that hide content from the user.exercised
18Sign-in metadata
oauth-url-schemeChecks the published sign-in metadata for unsafe URLs.exercised

Not run, with the reason · 11

3Real execution
real-executionCalls a tool and checks what really happens.This check calls the server's tools. ProtocolProbe calls no server's tools for anything it publishes; an operator can run this check on their own server with our self-test command.not run · our policy
4Secret leak
canary-leakPlants a fake secret and checks whether it leaks.This check needs at least one successful tool call to have something to check, and no tool was called.not run · nothing to check it against
5Internal addresses
ssrfChecks whether a tool can be steered to internal addresses.This check calls the server's tools. ProtocolProbe calls no server's tools for anything it publishes; an operator can run this check on their own server with our self-test command.not run · our policy
6Unconfirmed changes
write-without-confirmationChecks whether tools that change data act without asking.This check calls the server's tools. ProtocolProbe calls no server's tools for anything it publishes; an operator can run this check on their own server with our self-test command.not run · our policy
7Bad input
error-handlingSends bad input and watches how the server answers.This check calls the server's tools. ProtocolProbe calls no server's tools for anything it publishes; an operator can run this check on their own server with our self-test command.not run · our policy
8Model requests
samplingChecks whether the server asks the client's model to act for it.This check needs at least one successful tool call to have something to check, and no tool was called.not run · nothing to check it against
9Sensitive questions
elicitation-sensitive-dataChecks whether the server asks users for sensitive data.This check needs at least one successful tool call to have something to check, and no tool was called.not run · nothing to check it against
10Folder boundary
root-boundaryChecks whether the server reaches outside the folders it was given.This check calls the server's tools. ProtocolProbe calls no server's tools for anything it publishes; an operator can run this check on their own server with our self-test command.not run · our policy
11Log leaks
logging-side-channelChecks whether log messages carry data they should not.This check needs at least one successful tool call to have something to check, and no tool was called.not run · nothing to check it against
16Sign-in redirect
open-redirectChecks the sign-in redirect for abuse.Testing the sign-in redirect means sending probes to the operator's sign-in service, which we do not do.not run · our policy
17Consent handling
confused-deputyChecks consent handling when one service acts for another.Depends on the operator's own consent screen, which differs per server and cannot be tested from outside.not testable from outside

Does not apply to this server · 3

13Fake assistant turns
fake-assistant-turnChecks prompts that pose as the assistant's own words.The server exposes no prompts.not applicable
14Token passthrough
token-passthroughChecks whether the server forwards a user's token to other services.The server opened a session without sign-in, so there is no token flow to check.not applicable
15Token audience
token-audience-validationChecks whether tokens meant for another service are accepted.The server opened a session without sign-in, so there is no token flow to check.not applicable

Source: our own test, 2026-10-23, mcp-runtime-engine@0.1.0. Which checks count and why follows our published scoring model.

What happened during the test?

Feature #8

The steps in order, as the test record holds them.

0 msStarted a read-only session with the server's remote endpoint
3,487 msConnected after 0 redirects. No credential was sent or needed.
Read the inventory: 23 tools, 21 resources, 0 prompts.
22,654 msFinished: 4 checks exercised.

Reference

How is it classified?

18 fields

One value per field, each with its source. Fields written by AI models are marked. A field with no value says why.

TopicAI-classified

finance-and-payments

AI-classified · 2026-10-23

Pricing modelAI-classified

no value

The pages we read do not state how the product is priced.

Programming language

does not apply

no existing GitHub repository (server declares no repository link, so there is nothing to fetch)

Hosting type

remote (hosted by the publisher)

registry · 2026-10-23

MCP capability

resources, tools, extensions

our test · 2026-10-23

Transport

streamable HTTP

registry · 2026-10-23

Required credentials

none declared

registry · no declaration is not a guarantee

Package registry

does not apply

remote-only server: no package is shipped, so there is no package registry

Freshness

0–30 days

registry updatedAt · 2026-10-23

Lifecycle status

active

registry · 2026-10-23

License class

does not apply

remote-only server: ships no package, so there is nothing to look up in a package registry

Integrity hash

does not apply

remote-only server: ships no package, so there is nothing to look up in a package registry

Signature / provenance

does not apply

remote-only server: ships no package, so there is nothing to look up in a package registry

Dependency advisories

does not apply

ships no package, so there are no dependencies to audit

Popularity

does not apply

remote-only server: ships no package, so there is nothing to look up in a package registry

Publisher signals

not stated

no readable GitHub owner to describe

Maintenance

does not apply

server declares no repository link, so there is nothing to fetch

Environment

the publisher's infrastructure

where it runs, from the hosting type

“Not stated” means the source did not state it; “does not apply” means it does not apply to this kind of server; “our limit” means our own lookup failed. A linked value opens the directory filtered to the same value.

Cite or correct this page

Sources and corrections

Suggested citation

ProtocolProbe. “com.coveragecat/insurance: MCP server record.” Data checked 2026-10-23. https://protocolprobe.com/mcp/servers/com.coveragecat/insurance

Figures are valid for the date shown. Our facts on this page are CC BY 4.0: reuse them with a link and the check date. Quoted text (the publisher’s descriptions, website quotes, tool names) is not ours to license.

As JSON: this record in the API · API documentation.

Badge for your README

[![ProtocolProbe](https://protocolprobe.com/api/v1/badge/com.coveragecat/insurance)](https://protocolprobe.com/mcp/servers/com.coveragecat/insurance)

It shows this server's record-check count: facts from public records, no tool called. It is not a security rating or a pass. It links here and updates after each data reload.

Something wrong, or is this yours?

If a fact here is wrong, tell us and we will re-check it. If you operate this server, you can run our checks on it yourself with the free self-test command; we call no server’s tools ourselves for anything shown here.

Write to hello@protocolprobe.com · corrections log · methodology