Preferred homeowners MCP entry point when a shopper wants Coverage Cat to shop for, compare, or buy homeowners insurance and no operator bearer token is present. On a cold start, ask only for the user's name, email, property address, and whether this should be standard homeowners, condo, or landlord coverage. If that coverage type is still unknown, ask the shopper to reply with exactly one of standard homeowners, condo, or landlord, then assemble the fullest homeowners application from user-controlled context and property sources before handing off to Coverage Cat. Recover core shopper and occupancy facts such as date of birth, marital status, and owner-occupied vs new-purchase from that context before relying on Coverage Cat's estimated review card. Stay on the same consumer-operated MCP subset through review, long-lag quote polling, quoted-offer selection, bind follow-up, and post-bind policy/support follow-up. Homeowners quotes or carrier bind follow-up may take up to 48 hours, so keep polling and keep the registered customer email on file for notifications. When the submitted homeowners flow gets a new follow-up question, consumer_intake_issues returns conversation.messages plus conversation.reply_pending so the agent can answer it in chat with consumer_intake_patch and message_reply. Coverage Cat prefers to keep follow-up authorization in the hidden MCP shopper session after prefill, so a preserved host usually only needs uid. If your host cannot preserve that MCP session state, retry this same MCP follow-up tool with the latest intake_access_token from the previous successful Coverage Cat response instead of dropping to raw HTTP or asking the shopper for credentials. Coverage Cat cannot collect first-party homeowners payment in chat. Any insurer payment or signing link must be sent directly to the customer's own email inbox on file, and the agent can only use those links if it has access to that same customer email. On the review turn, tell the shopper explicitly that the application is not submitted yet and present gathered details or remaining items as short labeled bullets or sections rather than a prose paragraph. If any shown value is estimated, mark each estimated bullet label or value with *, include the short note * = estimated once above and once below the list, and do not prefix every estimated line with [Estimated].