homecoverhq-com

HomeCover HQ provides measured US renters and homeowners insurance premium data, aggregating NAIC filings and Census records for over 44 million renter households. It offers an API (OpenAPI 3.1) exposing datasets, analytics tools, and a consumer quote service, enabling developers and agents to retrieve rates, compare datasets, and submit enquiries.

homecoverhq-com publishes 3 API contracts indexed on the APIs.io network: Dataset API, Enquiry API, and MCP API. Tagged areas include Company, Insurance, Data, RealEstate, and API.

The homecoverhq-com catalog on APIs.io includes 1 Spectral governance ruleset.

homecoverhq-com’s developer surface includes authentication, API reference, signup flow, support, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.8/100 developing Agent 29/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract 1 MCP Servers 2 Agent Skills

Company Insurance DataRealEstateAPI

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 40.8/100 · developing

Contract Quality 10.4 / 21

Developer Ergonomics 6.4 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.2 / 11

Contract Governance 2.2 / 10

Discoverability 5.5 / 9

Regulatory Posture 6.3 / 15

Agent readiness — 29/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 34.2 — up to +13.2 composite points
Contract Quality scores 48.8 — up to +12.8 composite points
Developer Ergonomics scores 37.4 — up to +12.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/homecoverhq-com/apis.yml: open an issue on github.com/api-evangelist/homecoverhq-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

homecoverhq-com Dataset API

dataset

homecoverhq-com Enquiry API

enquiry

homecoverhq-com MCP API

The mcp API from homecoverhq-com — 1 operation(s) for mcp.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

homecoverhq-com MCP Server

Remote MCP server at homecoverhq.com.

MCP SERVER

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

homecoverhq-com-dataset

AGENT SKILL

homecoverhq-com-enquiry

AGENT SKILL

Pricing Plans 1

Published pricing tiers and plan structures.

Homecoverhq Com Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Homecoverhq Com Rate Limits

0 limits

RATE LIMITS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

homecoverhq-com API Rules

16 rules · 11 errors 1 warnings 4 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Homecoverhq Com Openapi Overlay

1 action · update · homecoverhq-com-openapi.json

DERIVED

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Homecoverhq Com Authentication

1 scheme

SECURITY

Homecoverhq Com Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Homecoverhq Com Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Homecoverhq Com Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Homecoverhq Com Agentic Access

12 operations · 10 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Documentation 1

Reference material describing how the API behaves

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

MCPServer

WellKnown

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

Spectral

Vocabulary

ErrorCatalog

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

SDKs

SDKs

Packages

Packages

Access & Security 5

Authentication, authorization, and security posture

Security

Security

Authentication

Authentication

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: homecoverhq-com
name: homecoverhq-com
description: HomeCover HQ provides measured US renters and homeowners insurance premium data, aggregating NAIC filings and
  Census records for over 44 million renter households. It offers an API (OpenAPI 3.1) exposing datasets, analytics tools,
  and a consumer quote service, enabling developers and agents to retrieve rates, compare datasets, and submit enquiries.
url: https://artifacts.apis.io/homecoverhq-com/apis.yml
image: https://homecoverhq.com/og.png
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-30 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-30'
modified: '2026-10-30'
tags:
- Company
- Insurance
- Data
- RealEstate
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/homecoverhq-com-agentic-access.yml
- type: Spectral
  url: rules/homecoverhq-com-rules.yml
- type: Vocabulary
  url: vocabulary/homecoverhq-com-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Security
  url: https://homecoverhq.com/terms
- type: Authentication
  url: authentication/homecoverhq-com-authentication.yml
- type: ErrorCatalog
  url: errors/homecoverhq-com-problem-types.yml
- type: Conformance
  url: conformance/homecoverhq-com-conformance.yml
- type: Overlay
  url: overlays/homecoverhq-com-openapi-overlay.yaml
- type: LLMsTxt
  url: llms/homecoverhq-com-llms.txt
- type: ToolCrosswalk
  url: mcp/homecoverhq-com-tool-crosswalk.yml
- type: MCPServer
  url: mcp/homecoverhq-com-mcp.yml
- type: SecurityTxt
  url: well-known/homecoverhq-com-security.txt
- type: WellKnown
  url: well-known/homecoverhq-com-well-known.yml
- type: Hosts
  url: hosts/homecoverhq-com-hosts.yml
- type: Vendors
  url: vendors/homecoverhq-com-vendors.yml
- type: SDKs
  url: packages/homecoverhq-com-packages.yml
- type: Packages
  url: packages/homecoverhq-com-packages.yml
- type: VulnerabilityDisclosure
  url: security/homecoverhq-com-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/homecoverhq-com-domain-security.yml
- type: Website
  url: https://homecoverhq.com/
- type: APIReference
  url: https://homecoverhq.com/openapi.json
- type: SignUp
  url: https://homecoverhq.com/quote/
- type: TermsOfService
  url: https://homecoverhq.com/terms/
- type: PrivacyPolicy
  url: https://homecoverhq.com/privacy/
- type: Support
  url: https://homecoverhq.com/#enquire
apis:
- aid: homecoverhq-com:homecoverhq-com-dataset-api
  name: homecoverhq-com Dataset API
  description: dataset
  humanURL: https://homecoverhq.com/openapi.json
  baseURL: https://homecoverhq.com
  tags:
  - dataset
  properties:
  - type: OpenAPI
    url: openapi/homecoverhq-com-dataset-api-openapi.yml
- aid: homecoverhq-com:homecoverhq-com-enquiry-api
  name: homecoverhq-com Enquiry API
  description: enquiry
  humanURL: https://homecoverhq.com/openapi.json
  baseURL: https://homecoverhq.com
  tags:
  - enquiry
  properties:
  - type: OpenAPI
    url: openapi/homecoverhq-com-enquiry-api-openapi.yml
- aid: homecoverhq-com:homecoverhq-com-mcp-api
  name: homecoverhq-com MCP API
  description: The mcp API from homecoverhq-com — 1 operation(s) for mcp.
  humanURL: https://homecoverhq.com/openapi.json
  baseURL: https://homecoverhq.com
  tags:
  - mcp
  properties:
  - type: OpenAPI
    url: openapi/homecoverhq-com-mcp-api-openapi.yml
x-enrichment:
  date: '2026-10-30'
  status: enriched
  artifacts_added: 37
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

homecoverhq-com API — frequently asked questions

Does homecoverhq-com have an API?

Yes. APIs.io lists 3 APIs from homecoverhq-com, including homecoverhq-com Dataset API, homecoverhq-com Enquiry API and homecoverhq-com MCP API.

Is there an OpenAPI specification for the homecoverhq-com API?

Yes. APIs.io indexes 3 OpenAPI specifications for homecoverhq-com, each linked for download from this page.

How do I authenticate with the homecoverhq-com API?

homecoverhq-com uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Homecoverhq Com Authentication.

Does homecoverhq-com have an MCP server?

Yes. APIs.io lists 1 MCP server for homecoverhq-com: Remote MCP server at homecoverhq.com.

Is the homecoverhq-com API ready for AI agents?

homecoverhq-com has a Kin Score of 40.8 out of 100 (developing) and an Agent Readiness score of 29.0 (agent-ready), scored by API Evangelist on 2026-10-31.

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