Quotor — Home & Auto Insurance Quotes
Real, bindable home & auto insurance quotes via MCP (Texas, expanding); human-completed bind.
Open source Repository Open in the app JSON README (API)
About
Real, bindable home & auto insurance quotes via MCP (Texas, expanding); human-completed bind.
Details
- Kind
- MCP servers
- Topic
- No topic detected
- Publisher
- quotor
- Origin
- official
- Category
- ferramentas
- Transport
- http
- Version
- 0.3.0
- Last push
- 2026-07-14T17:42:22Z
- Repository state
- ativo
- License
- Apache-2.0
- Added
- 2026-08-29 04:01:15
- Updated
- 2026-08-29 04:01:15
- Origin id
io.github.quotor/home-auto-insurance-quotes
README
# home-auto-insurance-quotes
**Quotor — an agent skill that gets real home & auto insurance quotes, and starts a binding, through
a network of licensed independent agencies.**
This repository packages a portable [Agent Skill](https://agentskills.io) that any AI agent or
assistant (Claude, ChatGPT, Hermes, OpenClaw, Codex-style agents, and other MCP-capable runtimes)
can pull in to quote and help bind home, auto, and bundled insurance. The skill is the
**front door**; a hardened MCP server is the infrastructure behind it.
> **Coverage:** Texas today (home, auto, home+auto bundles; renters & other lines via lead capture), expanding nationally. The skill
> always checks eligibility per state and product before quoting.
---
## What it does
- **Real quotes, not estimates.** Returns live multi-carrier rates for the customer's state and
product.
- **Two integration styles:**
- *Conversational* — an assistant does a quick intake in chat and reads back quotes.
- *Agentic* — a system connects the MCP server directly and runs the full quote-to-bind flow.
- **Quote → bind handoff.** When the customer is ready, the skill starts a binding by routing them to
a **licensed agency** with a secure link. A licensed human finalizes the policy — the network
orchestrates the shopping; the agency owns the relationship.
## How it's structured
```
home-auto-insurance-quotes/
├── SKILL.md # the skill itself (agentskills.io spec)
├── README.md # this file (for humans browsing the repo)
└── references/
└── mcp-connection.md # endpoint, auth (none required), tool schemas, raw examples
```
- **[SKILL.md](SKILL.md)** is what agents load. It documents the two usage pathways, the tool set and
call order, intake guidance, worked examples, and the MCP connection details.
- **[references/mcp-connection.md](references/mcp-connection.md)** is the technical reference for the
MCP endpoint: URL, authentication, context headers, per-tool schemas, and copy-paste JSON-RPC
examples.
## Connecting to the MCP
- **Endpoint:** `https://mcp.quotor.ai` (Streamable HTTP,
JSON-RPC 2.0).
- **Auth: none required.** All tools work anonymously — connect and quote, no sign-up, no key
(anonymous traffic is rate-limited and spend-capped server-side). **End customers never need a
key.**
- **Optional partner key (instant, self-serve):** integrating at volume? `POST <endpoint>/keys`
with `{ "partner_label": "...", "email": "..." }` → returns an `api_key` shown once. Send it as
`Authorization: Bearer <api_key>` to give your integration its own rate/spend caps and
attribution instead of sharing the anonymous pool.
**Add it to your MCP client** (claude.ai custom connectors, Claude Desktop, Cursor, VS Code, or any
Streamable-HTTP MCP client) — no headers needed:
```json
{
"mcpServers": {
"quotor": {
"type": "http",
"url": "https://mcp.quotor.ai"
}
}
}
```
The machine-readable manifest is [`server.json`](server.json) (official MCP registry schema) — that's
what client tooling and directory crawlers read.
See [references/mcp-connection.md](references/mcp-connection.md) for the full handshake.
## Security & privacy posture
- **Quote-only scope.** The MCP cannot reach carrier portal credentials, cannot service or cancel
existing policies, and cannot finalize a bind without a licensed human. A bind request is a routed
handoff, not an automated purchase.
- **Rate- and spend-capped:** anonymous traffic draws per-IP and per-quote budgets under a hard
daily spend ceiling; optional partner keys carry their own caps — no single caller can run up cost.
- **Every call logged**; anomalous usage (auth-failure spikes, off-hours surges) is monitored.
- **Customer data is protected:** quotes create prospect records and never overwrite existing
customers; a returning customer's current premium is only ever returned to an authenticated
partner, never on an anonymous call.
## Status
Live. The MCP is deployed in production — rate and spend caps and full audit logging are in force;
API keys are optional (partner attribution + dedicated caps). Coverage is Texas today (home, auto,
bundles; other lines via lead capture), expanding nationally; always call `check_eligibility` first.
## License
Apache-2.0.