Coverage Cat

Coverage Cat is an online insurance broker that uses an AI assistant to help consumers compare home and umbrella insurance quotes. Users can ask any insurance question, get personalized recommendations, and view side-by-side pricing from multiple carriers—all without spam or sold leads. The platform combines a licensed broker model with price transparency, allowing users to shop for umbrella policies up to $10 million and bundle with homeowners coverage. Coverage Cat serves individuals and high-net-worth households who want a faster, more private alternative to traditional insurance shopping. It features a quiz-driven quote workflow, a live comparison workspace, and agent finder tools. The AI assistant handles general insurance questions and guides users to appropriate coverage options. Unlike lead-generation sites, Coverage Cat does not sell user information—no spam, no cold calls. It shows carrier options even when it doesn't receive a commission for them. Users can also connect their own agent to manage quotes. The platform is 100% 5-star on Trustpilot and rated 4.7 on Google as of June 2026. Coverage Cat is licensed as an insurance broker in all states where it operates. It offers home and umbrella insurance reviews, cost calculators, and in-depth articles on buying strategies for specific states like Florida, Texas, New York, and California.