Launch HN: Coverage Cat (YC S22) – 通过您的个人代理购买伞形保险

Launch HN: Coverage Cat (YC S22) – 通过您的个人代理购买伞形保险
Launch HN: Coverage Cat (YC S22) – Umbrella insurance via your personal agent

运作方式 Coverage Cat 是一家持牌保险经纪公司，旨在帮助您对房屋、伞式、汽车和租客保险进行横向对比，提供透明的价格，不会转卖您的联系信息，且始终有专业经纪人为您服务。您可以提出问题或开始对比。Coverage Cat 将人工智能辅助的投保流程与专业的经纪团队相结合，让您能够评估保障范围、查看真实价格区间并比较各保险公司的方案，无需担心个人信息在短时间内被泄露给多位销售代理。开发者可以通过 Agent API 实现同样的业务流程。服务区域 Coverage Cat 目前已在加利福尼亚州、佛罗里达州、纽约州、得克萨斯州和华盛顿州上线，更多地区即将开通。产品板块了解：我们的业务、常见问题解答及保险指南估算：房屋保险计算器、伞式保险计算器、保险公司价格对比以及理赔申请指导对比：开始 Coverage Cat 保价对比集成：Coverage Cat Agent API 中心、开发者门户、API 密钥获取指南、JSON 发现文档、OpenAPI 及技能 Markdown 文档核心链接

Coverage Cat (YC S22) 是一家持牌保险经纪公司，旨在解决购买保险时“痛苦”且不透明的体验，特别是针对伞险、房屋保险和汽车保险。该平台由资深技术专家创立，优先考虑价格透明度，承诺不出售用户线索数据，并采用人工智能引导与专业经纪团队支持的混合模式。与将伞险视为低利润附加产品的传统经纪商不同，Coverage Cat 将其作为核心服务，帮助用户免受行业内常见的骚扰和销售压力。该平台专为人工智能时代打造，提供 Agent API/MCP，允许个人 AI 代理代表用户进行横向对比和购买。通过自动化信息录入流程并提供真实、具竞争力的报价，Coverage Cat 旨在帮助精通技术用户优化其保险覆盖范围，同时省去手动填写表格和经纪人沟通不畅等常见麻烦。

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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, FAQ, and insurance guides
Estimate: Home insurance calculator, umbrella insurance calculator, carrier price comparison, and file-a-claim guidance
Compare: Start a Coverage Cat quote comparison
Integrate: Coverage Cat Agent API hub, developer portal, get API key guide, discovery JSON, OpenAPI, and skill markdown