Launch HN: Coverage Cat (YC S22) – Umbrella insurance via your personal agent
coveragecat.com botacode
Coverage Cat launched as a licensed insurance brokerage that compares umbrella and home coverage using AI-guided intake alongside a broker, and lets users route the shopping flow through personal AI agents via an Agent API/MCP. The service’s umbrella liability policies typically start at $1 million in additional liability coverage. As a result, insurance shopping shifts toward more automated, side-by-side pricing and carrier comparisons with fewer lead-generation steps and more agent-enabled workflows.
Why it matters
Hey HN! We’re Max and Gabriel the co-founders of Coverage Cat. We’ve been friends for over a decade, met in college then hung out mostly on the internet. We love building products that help people optimize the crufty corners of their lives. Max is a former Google/Microsoft/Two Sigma PM and Gabriel has been working in startups for over a decade.We’re building Coverage Cat: a licensed insurance brokerage that helps you compare umbrella and home coverage side by side — with straight pricing, no sold leads, and a real broker on the other end. Our current focus is helping tech folks (think L3-L8) buy umbrella insurance.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. Folks who use personal AI agents (think Muse, Instinct, Town, Openclaw, etc.) can drive the same flow through the Agent API/MCP.We’d love your feedback so please do try
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