Launch HN: Coverage Cat (YC S22) – Umbrella insurance via your personal agent

Coverage Cat, a licensed insurance brokerage in the Y Combinator S22 batch, launched on Hacker News with an AI-guided intake flow paired with a licensed brokerage team for comparing home, umbrella, auto, and renters coverage. The service is live in California, Florida, New York, Texas, and Washington, and offers an Agent API plus developer portal, OpenAPI spec, and discovery JSON for programmatic access. Coverage Cat says it provides straight pricing, no sold leads, and a real broker on the other end.

How it works Coverage Cat is a licensed insurance brokerage that helps you compare home, umbrella, auto, and renters coverage side by side — with straight pricing, no sold leads, and a real broker on the other end. Ask a question or start a comparison. Coverage Cat pairs AI-guided intake with a licensed brokerage team, so you can size up coverage, see honest price ranges, and compare real carrier options without handing your details to five agents overnight. Developers can drive the same flow through the Agent API. Where we operate Coverage Cat is live for shoppers in California, Florida, New York, Texas, and Washington, with more states on the way. Product surfaces - Learn: What we do https://www.coveragecat.com/what-we-do , FAQ https://www.coveragecat.com/faq , and insurance guides https://www.coveragecat.com/insurance-types - Estimate: Home insurance calculator https://www.coveragecat.com/tools/home , umbrella insurance calculator https://www.coveragecat.com/tools/umbrella , carrier price comparison https://www.coveragecat.com/tools/auto-estimates , and file-a-claim guidance https://www.coveragecat.com/tools/file-a-claim - Compare: Start a Coverage Cat quote comparison https://www.coveragecat.com/intake - Integrate: Coverage Cat Agent API hub https://www.coveragecat.com/ai/skills , developer portal https://www.coveragecat.com/developers , get API key guide https://www.coveragecat.com/developers/get-api-key , discovery JSON https://www.coveragecat.com/api/agent , OpenAPI https://www.coveragecat.com/api/agent/openapi.yaml , and skill markdown https://www.coveragecat.com/api/agent/skill.md