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

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 it out.Just feed the prompt: “Shop for umbrella insurance with Coverage Cat” to your personal agent and let us know what you think!

If you want to watch a couple of agents navigate the flow before you use it there’s a video here: https://youtu.be/1BUkgAn6s-I For those who are unfamiliar with this type of coverage, here’s a blurb from one of our insurance agents: “Umbrella liability insurance is a policy that provides additional coverage above the limits of existing auto, homeowners, renters, or landlord policies.It kicks in after the underlying policy limits are exhausted and may also cover personal injury claims like libel, slander, or defamation that standard policies often exclude.

Policies typically start at $1 million in additional liability coverage and can protect you, your spouse, dependents, and even pets in your household.” Buying insurance online is a miserable experience.You fill out a bunch of forms that say they’re going to give you quotes.Most don’t and then you end up with tons of unwanted phone calls and spam.Even if you wade through the muck, you’ll often still end up with sub-optimal prices and coverage because of a lack of market transparency and poorly-aligned advisory incentives.We came to this problem because Max is a classic personal finance obsessive.

He's the type of person that needs to know that he has the best possible price for something (everyone has one friend with the patience for a two hour phone call with the bank for some $10 fee) or that his insurance coverage is as tailored to his risk profile as the market will allow.He actually reads insurance policies end to end.Years ago, when he shopped for his homeowners insurance it took him 10+ phone calls and dozens of online form fills to find the right deal.He also suffered tons of collateral damage in the process: websites sold his information to dozens of agents who proceeded to call, text, and email him a spam hoard that grows to this day.After this painful search mad