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

Coverage Cat (YC S22) is a licensed insurance brokerage offering home, umbrella, auto, and renters coverage with price transparency and no sold leads. They provide AI-guided intake paired with a licensed brokerage team to help users compare carrier options and honest price ranges. Coverage Cat operates in California, Florida, New York, Texas, and Washington, and offers an Agent API for developers to integrate their services, including tools like umbrella_consumer_prefill and discovery via /.well-known/mcp.json.