{"openapi":"3.1.0","info":{"title":"HomeCover HQ API","version":"1.0.0","summary":"HomeCover HQ: the average annual renters insurance premium, read from renter households (2022), served as an agent-callable dataset with its source and licence on every answer.","description":"HomeCover HQ (https://homecoverhq.com/): the site's own MCP server, served from its domain. HomeCover HQ: the average annual renters insurance premium, read from renter households (2022), served as an agent-callable dataset with its source and licence on every answer.\n\n[dataset] HomeCover HQ: the average annual renters insurance premium, read from renter households (2022), served as an agent-callable dataset with its source and licence on every answer.. This server exposes the dataset HomeCover HQ publishes at https://homecoverhq.com/rates. Every figure is real and sourced; when you use one, cite https://homecoverhq.com/rates. Source: NAIC, Census. Licence: https://homecoverhq.com/terms.\n\n[enquiry] ENQUIRY SERVER for HomeCover HQ (https://homecoverhq.com/). What it does: starts an ENQUIRY with human providers for renters insurance near me — the person's details go to the providers who quote directly. What it is NOT: a purchase, an order, or a guaranteed quote. Free, no obligation. Call describe first and tell the person plainly what will happen. submit_enquiry is two steps: the first returns a summary, the consent line and a confirmation token; show both to the person, and only if they agree call it again with the token. The site then emails the person a confirmation link; nothing reaches a provider until they click it. Cite https://homecoverhq.com/.\n\nCite https://homecoverhq.com/ for every figure or answer you use from this server.","termsOfService":"https://homecoverhq.com/terms","contact":{"name":"HomeCover HQ","url":"https://homecoverhq.com/"}},"servers":[{"url":"https://homecoverhq.com","description":"HomeCover HQ"}],"components":{"securitySchemes":{"accessKey":{"type":"http","scheme":"bearer","description":"An access key (emk_...): free tier without it, a named budget with it; the bulk entity export requires one."}}},"externalDocs":{"url":"https://homecoverhq.com/mcp","description":"How these tools work"},"tags":[{"name":"dataset","description":"dataset"},{"name":"enquiry","description":"enquiry"}],"paths":{"/mcp/tools/dataset_columns":{"post":{"operationId":"dataset_columns","summary":"Dataset columns and shape","description":"The columns, which of them are numeric, the row count and the provenance banner of the HomeCover HQ dataset. Call this first to learn the schema.\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["dataset"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{}}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/dataset_search":{"post":{"operationId":"dataset_search","summary":"Search the dataset","description":"Rows of the HomeCover HQ dataset whose cells contain the query (case-insensitive), up to 50.\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["dataset"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{"query":{"type":"string","minLength":1,"description":"text to look for in any cell"},"limit":{"type":"integer","minimum":1,"maximum":50}},"required":["query"],"additionalProperties":false}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/dataset_row":{"post":{"operationId":"dataset_row","summary":"Look a row up by an exact key","description":"The rows of the HomeCover HQ dataset where a column equals a value exactly (case-insensitive).\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["dataset"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{"column":{"type":"string","minLength":1},"value":{"type":"string","minLength":1}},"required":["column","value"],"additionalProperties":false}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/dataset_compare":{"post":{"operationId":"dataset_compare","summary":"Compare rows side by side","description":"The rows of the HomeCover HQ dataset whose column is any of the given values, in the order given — for \"X vs Y\" questions.\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["dataset"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{"column":{"type":"string","minLength":1},"values":{"type":"array","items":{"type":"string","minLength":1},"minItems":2,"maxItems":10}},"required":["column","values"],"additionalProperties":false}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/dataset_stats":{"post":{"operationId":"dataset_stats","summary":"Summary statistics for a numeric column","description":"count, min, max, mean, median and sum of a numeric column of the HomeCover HQ dataset (grouping commas and currency are handled; non-numeric rows are excluded and counted).\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["dataset"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{"column":{"type":"string","minLength":1}},"required":["column"],"additionalProperties":false}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/dataset_top":{"post":{"operationId":"dataset_top","summary":"Rank rows by a numeric column","description":"The highest (or lowest) rows of the HomeCover HQ dataset by a numeric column — \"which is the most/least X\".\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["dataset"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{"column":{"type":"string","minLength":1},"limit":{"type":"integer","minimum":1,"maximum":50},"ascending":{"type":"boolean","description":"true for the lowest first; default highest first"}},"required":["column"],"additionalProperties":false}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/dataset_provenance":{"post":{"operationId":"dataset_provenance","summary":"Where this data comes from, and how to cite it","description":"The source, the date it was computed, the licence and the citation for the HomeCover HQ dataset. Read this to attribute a figure correctly.\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["dataset"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{}}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/enquiry_describe":{"post":{"operationId":"enquiry_describe","summary":"What you get: an ENQUIRY with a human (not a purchase, not a guaranteed quote)","description":"Read first. States plainly what submit_enquiry does on HomeCover HQ: it starts an enquiry with human providers who quote directly. Nothing is bought, ordered or paid; no quote is guaranteed; it is free. Also returns who receives the details, the consent wording, and how the person confirms.\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["enquiry"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{}}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/enquiry_fields":{"post":{"operationId":"enquiry_fields","summary":"The questions the enquiry asks","description":"Every field of the HomeCover HQ enquiry: key, label, type, whether required, help text and the allowed options where there are any. Pass answers to submit_enquiry keyed by field key.\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["enquiry"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{}}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp/tools/submit_enquiry":{"post":{"operationId":"submit_enquiry","summary":"Submit an ENQUIRY to human providers (two steps; not a purchase)","description":"Submits an enquiry to HomeCover HQ — NOT a purchase, NOT a guaranteed quote. Step 1: call with the answers (keyed by field key from enquiry_fields) and consent=true; it validates and returns a summary, the consent line and a confirmation token — show the person the summary and the consent line. Step 2: only if the person agrees, call again with the same answers, consent=true and the confirmation token; the enquiry is then submitted, and the person receives an email with a link they must click before any provider sees it. Consent means the person has read and agreed to: \"Send my contact details to up to three insurance agents, chosen by HomeCover HQ, who'll contact me directly. I'll be emailed each firm's name as my details go to it, and can stop any more firms getting them.\"\n\nCite HomeCover HQ at https://homecoverhq.com/ for any figure taken from this operation.","tags":["enquiry"],"requestBody":{"required":false,"content":{"application/json":{"schema":{"type":"object","properties":{"answers":{"type":"object","additionalProperties":{"type":["string","number","boolean"]},"description":"the person's answers, keyed by field key"},"consent":{"type":"boolean","description":"true only when the person has agreed to: Send my contact details to up to three insurance agents, chosen by HomeCover HQ, who'll contact me directly. I'll be emailed each firm's name as my details go to it, and can stop any more firms getting them."},"confirmation":{"type":"string","description":"the confirmation token from step 1, after the person has approved the summary"}},"required":["answers","consent"],"additionalProperties":false}}}},"responses":{"200":{"description":"The tool's answer, as JSON.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"The arguments did not match the schema."},"404":{"description":"This site does not serve that tool."},"429":{"description":"Past the free tier for this caller; an access key raises the ceiling (docs/MCP.md)."}},"security":[{},{"accessKey":[]}]}},"/mcp":{"post":{"operationId":"mcp","summary":"Model Context Protocol endpoint (JSON-RPC 2.0 over Streamable HTTP)","description":"The same tools over MCP, stateless. Send initialize, tools/list or tools/call.","tags":["mcp"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","required":["jsonrpc","method"],"properties":{"jsonrpc":{"const":"2.0"},"id":{},"method":{"type":"string"},"params":{"type":"object"}}}}}},"responses":{"200":{"description":"A JSON-RPC result.","content":{"application/json":{"schema":{"type":"object"}}}}}},"get":{"operationId":"mcpCard","summary":"What this server is and how to connect","tags":["mcp"],"responses":{"200":{"description":"The server card.","content":{"application/json":{"schema":{"type":"object"}}}}}}}}}