Coverage Cat lets your AI agent buy umbrella insurance
Launch HN: Coverage Cat (YC S22) – Umbrella insurance via your personal agent
Coverage Cat is a licensed insurance brokerage that pairs AI-guided intake with a real brokerage team, letting users compare home, umbrella, auto, and renters coverage side by side without sold leads. It serves California, Florida, New York, Texas, and Washington, and offers an Agent API and MCP manifest so developers can drive the same flow programmatically.
Our agents find the best policies for users, even when we don't make commission on them.
- dgacmu
I'm probably your target audience - I have umbrella insurance - but I just grabbed it through my existing GEICO/travelers insurance and it was basically painless. It isn't so expensive I felt compelled to shop massively for it and nothing I read above convinced me I'm wrong there?
- arshxyz
I don't understand the point of putting visible Agent Instructions on the page taking up real estate while a human has the page open in a browser. Won't an agent be able to trivially extract these instructions if they came with a display:none rule?
- Cockbrand
I live in a rainy and windy place, so I often need to replace a flipped umbrella. How did I not know that there's umbrella insurance!?
- DeltaCoast
I worked as a product designer at Policygenius on their home/auto product. I was pretty obsessed with automating it so people would actually get their quotes instantly and I remember the challenges of being able to pull the accurate quotes with the info people could reasonably provide vs paying Lexisnexus etc. anyway it’s a slog. How are you guys getting quotes? And how have you thought about the acquired user challenge that they want to reshop but obviously insurers don’t want to pay you to lose their customers every 12mos ?
- mannyv
Having just gone through an umbrella insurance process, I find it interesting that it's your primary product.
My understanding of umbrella coverage is like what you said: it's an adjunct product and a way to increase the fees on their other lines, which is why if you get umbrella via your existing carrier they generally enforce minimums on your auto (and home).
As someone with kids who drive, umbrella was much more complicated than expected.
I wish you guys operated in my state so I could run my numbers through you.