# Insurance Tools

> Use when an agent needs Coverage Cat's research-only insurance calculators or homeowners-agent finder instead of a purchase workflow. Do not use this skill when a shopper wants Coverage Cat to shop, quote, or buy insurance for them. Start with https://www.coveragecat.com/agents.txt or https://www.coveragecat.com/.well-known/agents.txt, then use https://www.coveragecat.com/api/agent and the public developer portal at https://www.coveragecat.com/developers.

- Skill: `coverage-cat/insurance-tools` (Agent Skill, multi-file: 2 files)
- Install (CLI): `npx skillmds@latest add coverage-cat/insurance-tools`
- Raw SKILL.md: https://api.skillmd.com/api/skills/coverage-cat/insurance-tools/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: AI & ML
- Author: Coverage-Cat (https://skillmd.com/u/coverage-cat)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/coverage-cat/insurance-tools

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# Insurance Tools

Use this skill for Coverage Cat's read-only research APIs and tool pages.

## Coverage Cat tools

- Home insurance calculator
- Umbrella insurance calculator
- Auto insurance estimates
- Collision and comprehensive coverage calculator
- File-a-claim calculator
- Homeowners agent finder

## Start here

1. Read `https://www.coveragecat.com/agents.txt` or `https://www.coveragecat.com/.well-known/agents.txt`.
2. Fetch `https://www.coveragecat.com/api/agent`.
3. Read `https://www.coveragecat.com/developers`.
4. Use the published tool endpoints and human-facing tool pages from the discovery document.

Do not drive the browser UI unless Coverage Cat should take over the shopper-facing flow.

## Do not use when

- The user wants Coverage Cat to shop for, quote, or buy umbrella or homeowners insurance.
- The user wants Coverage Cat to run a live delegated umbrella or homeowners workflow.
- You need auth setup or sandbox instructions; use the dedicated purchase skills and developer docs instead.

## Compatibility

This discoverability-first skill supersedes the legacy `coverage-cat-agent-tools` name, which remains available for existing installs.