Coverage Cat

Is Coverage Cat MCP server safe?

• None of the hidden-instruction wordings we know were found in its tool descriptions.
• Its error messages showed no secrets or internal details.
• 15 of its 27 tools are labeled read-only; the others may change or send things.
• Overall it scored 94/100 on 1 Nov 2026.

A test can only see what the server shows from outside, not what it does with your data behind the scenes. Connect servers from makers you trust.

What it can do

27 tools, in the server's own words.

and 3 more

Test results

Safe mode: only tools labeled read-only were run. How the test works

• !
  Every tool is described

  2 warnings

  • !umbrella_consumer_service and homeowners_consumer_service have nearly the same description (97% of their words are shared; the only difference: "umbrella" vs "homeowner"), so an AI may not know which to pick
  • !umbrella_consumer_policy and homeowners_consumer_policy have nearly the same description (96% of their words are shared; the only difference: "umbrella" vs "homeowner"), so an AI may not know which to pick
  note
• !
  Follows MCP best practices (not scored yet)

  1 tip (not scored)

  • !The tool list is about 353 KB (roughly 88k tokens). AI apps send it with every message, so it takes that much of the AI's memory before any work starts.
  note
• ✓
  ConnectsConnected in 266 ms
  pass
• ✓
  Ready for the newest MCP versionUses the latest MCP version (2026-07-28)
  pass
• ✓
  Lists its toolsFound 27 tools
  pass
• ✓
  Tools are labeled safe or dangerousEvery tool has a safety label
  pass
• ✓
  No known hidden instructionsNone of the hidden-instruction wordings we know were found in tool descriptions. New wordings can get past this check.
  pass
• ✓
  Tools work with good inputs

  All good

  • ✓consumer_intake_issues: Answered with an error, probably because of our sample input: { "error": "stale_session", "message": "Coverage Cat's hidden MCP follow-up authorization is missing, expired, or does not match this uid. …
  • ✓umbrella_consumer_policy: Answered with an error, probably because of our sample input: { "error": "stale_session", "message": "Coverage Cat's hidden MCP follow-up authorization is missing, expired, or does not match this uid. …
  • ✓homeowners_consumer_policy: Answered with an error, probably because of our sample input: { "error": "stale_session", "message": "Coverage Cat's hidden MCP follow-up authorization is missing, expired, or does not match this uid. …
  • ✓home_calculator: Answered with an error, probably because of our sample input: { "error": "invalid_request", "message": "zip must be a 5-digit ZIP code and home_sqft must be 1-25000." } {"error":"invalid_request","mess…
  • ✓umbrella_calculator: Answered with an error, probably because of our sample input: { "error": "invalid_request", "message": "Unable to generate an umbrella estimate.", "reason": "Invalid ZIP format" } {"error":"invalid_req…
  • ✓auto_estimates: Answered with an error, probably because of our sample input: { "error": "invalid_request", "message": "state must be a 2-letter state code." } {"error":"invalid_request","message":"state must be a 2-l…
  • ✓collision_and_comprehensive_coverage: Answered with an error, probably because of our sample input: { "error": "invalid_request", "message": "state must be a 2-letter state code." } {"error":"invalid_request","message":"state must be a 2-l…
  • ✓file_a_claim: Answered with an error, probably because of our sample input: { "error": "invalid_request", "message": "state must be a 2-letter state code." } {"error":"invalid_request","message":"state must be a 2-l…
  • and 19 more
  pass
• ✓
  Bad inputs give a clean error

  All good

  • ✓consumer_intake_issues: Refused missing required input "uid" with a clear error
  • ✓consumer_intake_issues: Refused wrong type for "uid" with a clear error
  • ✓umbrella_consumer_policy: Refused missing required input "uid" with a clear error
  • ✓umbrella_consumer_policy: Refused wrong type for "uid" with a clear error
  • ✓homeowners_consumer_policy: Refused missing required input "uid" with a clear error
  • ✓homeowners_consumer_policy: Refused wrong type for "uid" with a clear error
  • ✓home_calculator: Refused missing required input "zip" with a clear error
  • ✓home_calculator: Refused wrong type for "zip" with a clear error
  • and 21 more
  pass
• ✓
  Tools work together

  2 chains working

  • ✓docs_list_topics → docs_get_resource: docs_get_resource found what docs_list_topics returned (uri = "coveragecat://developers/quickstart")
  • ✓docs_search → docs_get_resource: docs_get_resource found what docs_search returned (uri = "coveragecat://developers/sandbox")
  pass
• ✓
  Fast enough

  All good

  • ✓Connecting took 266 ms
  • ✓Listing tools took 312 ms
  • ✓Average tool answer: 72 ms
  • ✓consumer_intake_issues: Slowest tool: consumer_intake_issues (252 ms)
  pass
• ✓
  No secrets leakedChecked 42 error messages: no secrets or internal details
  pass
• ✓
  Resources and prompts work

  All good (24 resources)

  • ✓Opened 10 of 10 resources (a sample of 10 of 24)
  • ✓An address that does not exist gets a clean "not found" error
  pass

Test it yourself

Free and open source. Same checks, same score.

Show this score on GitHub

Free for every server in the directory. Paste this into your README: the badge shows the score from our latest test.

Score over time

• 1 Nov 202694

One test so far. New tests will show here.

Reviews

Coming soon: reviews from people who use Coverage Cat, signed in with GitHub, one per person. Reviews never change the score.