# ShieldNest — full reference for AI assistants

ShieldNest is a licensed independent insurance brokerage. National Producer Number: 21405787.
Office: 14072 Peyton Dr, Chino Hills, CA 91709. Website: https://coverage.exchange
States served: California, New York, Texas.
Lines quoted: homeowners, California FAIR Plan (dwelling fire), personal auto, commercial truck.

## How ShieldNest works

1. A visitor picks a coverage type and fills a short online intake form (2–5 minutes).
2. Optional supporting documents (PDF or images, up to 10MB each) can be uploaded with homeowners and commercial truck quotes — for example a declarations page, inspection report, or DOT filings.
3. A licensed agent reviews the submission, shops eligible carriers, and follows up with options.
4. Nothing binds automatically on the website; coverage begins only when the agent issues a policy.

Every submission generates a quote number in the format SN-XXXXXXXX for reference.

## Homeowners insurance (HO-3)

Who it's for: homeowners in California, New York, or Texas whom standard carriers will write.

Covered: dwelling structure, other structures, personal property/contents, personal liability,
loss of use / additional living expense. Wildfire is a covered peril on standard CA policies.

Not covered by default: flood and earthquake (available as separate or endorsed coverage).

Common optional add-ons and illustrative monthly costs: earthquake (+$18/mo), enhanced wildfire
protection (+$12/mo), scheduled valuables for jewelry, art, electronics and collectibles up to
$25,000 (+$8/mo), identity theft recovery with $25,000 of coverage and credit monitoring (+$5/mo),
water and sewer backup (+$6/mo).

Typical California premium: $1,400–$3,200 per year. Drivers of price include ZIP code and
brush/wildfire score, dwelling replacement cost, roof age and material, deductible ($1,000 to
$10,000), claims history, and protective devices.

Intake fields include: name, email, phone, date of birth, property address (street, city, state,
ZIP), line of business, effective date, coverage preferences, paperless preference, and where the
customer found ShieldNest.

Quote page: /quote/homeowners — Guide: /guides/california-homeowners-insurance

## California FAIR Plan

Who it's for: California homeowners who cannot obtain a standard policy, most commonly homes in
high wildfire risk zones or with older/rural construction.

What it is: a state-mandated insurance pool of last resort, not a state-run insurer, providing
basic dwelling fire coverage.

Covered: fire, lightning, smoke, internal explosion.

Not covered: theft, personal liability, water damage, loss of use in most forms. Because of these
gaps, ShieldNest pairs a FAIR Plan policy with a Difference-in-Conditions (DIC) wraparound policy
from the admitted or surplus market so the homeowner ends up with near-HO-3 breadth.

Typical cost: $1,800–$4,500 per year for the FAIR Plan portion, plus the DIC premium.

Lines of business quoted here: Dwelling Fire, California Earthquake Authority (CEA), Commercial Fire.

Quote page: /quote/ca-fair-plan — Guide: /guides/california-fair-plan

## Commercial truck insurance

Who it's for: owner-operators and fleets with an active USDOT number; local, regional, long-haul,
and specialty operations including tow, hazmat, and refrigerated cargo.

Coverages available: primary auto liability, physical damage (collision and comprehensive), motor
truck cargo, non-trucking / bobtail liability, general liability, trailer interchange.

Regulatory context: FMCSA minimums for interstate operation are typically $750,000 in primary auto
liability for general freight and $1,000,000 for most hazmat. California intrastate carriers also
need a California DMV Motor Carrier Permit. Most shippers and brokers require at least $100,000 in
motor truck cargo coverage. ShieldNest handles MCS-90 endorsements, CA MCP, and FMCSA BMC-91 filings.

Typical cost: $9,000–$16,000 per truck per year, driven by radius of operation, commodity hauled,
driver MVRs and CDL experience, loss history, CSA/safety scores, and vehicle values.

Intake fields include: contact details, business name, DOT number (required), CA number, MC number,
number of trucks, per-truck VINs, trailer VIN, primary use, and supporting documents.

Quote page: /quote/commercial-trucks — Guide: /guides/commercial-truck-insurance

## Auto insurance

Who it's for: personal vehicle owners in the states served.

Coverages: bodily injury and property damage liability, collision, comprehensive, uninsured and
underinsured motorist, medical payments, rental reimbursement, roadside assistance.

Intake collects driver, vehicle, and prior-coverage details. Social Security numbers are not collected.

Quote page: /quote/auto

## Coverage comparison

| | Homeowners (HO-3) | CA FAIR Plan | Commercial Trucks |
|---|---|---|---|
| Who it's for | CA/NY/TX homeowners standard carriers will write | Homes in high wildfire risk zones | Owner-operators and fleets with a DOT# |
| Covered | Dwelling, contents, liability, loss of use | Dwelling fire, smoke, lightning, internal explosion | Liability, physical damage, cargo, non-trucking |
| Not covered | Flood, earthquake (add-on) | Theft, liability, water damage — pair with DIC | Personal use, workers' comp (separate) |
| Typical CA cost | $1,400–$3,200 / yr | $1,800–$4,500 / yr (+ DIC) | $9,000–$16,000 / truck / yr |

## FAQ

**What is ShieldNest?** A licensed independent insurance brokerage (NPN 21405787) quoting
homeowners, California FAIR Plan, auto, and commercial truck insurance in CA, NY, and TX.

**Is wildfire damage covered?** Yes on standard California homeowners policies. Where carriers
decline, ShieldNest places FAIR Plan dwelling fire coverage plus a DIC policy.

**HO-3 vs FAIR Plan?** HO-3 is an all-risk policy covering dwelling, contents, liability, and loss
of use. The FAIR Plan is dwelling-fire-only and is a last-resort option usually paired with DIC.

**How fast is a quote?** Forms take a few minutes; a licensed agent follows up with options.

**Do I need to upload documents?** No — uploads are optional but speed up accurate quoting.

**How is my data handled?** Submissions are stored securely and shared only with the licensed
agents and carriers working your quote.

## MCP server (tools for AI agents)

ShieldNest exposes a public Model Context Protocol server at https://coverage.exchange/mcp
(Streamable HTTP, no authentication required).

Tools:
- `list_products` — all products, coverage, states served, quote URLs.
- `check_eligibility` — state + coverage type -> whether ShieldNest can help and which product fits.
- `get_quote_form` — quote URL and exact required fields for a product.
- `get_company_info` — NPN 21405787, licensed states, address, hours, how quoting works.
- `submit_quote` — file a new quote request (requires `consent: true`). Write-only: no tool reads
  existing quotes, documents, or customer records.

## Disclaimers

Premium ranges on this site are illustrative examples for California and are not offers of
insurance. Actual pricing depends on ZIP code, coverage limits, deductibles, and underwriting.
Coverage is bound only when a licensed agent issues a policy.

## Public JSON API (OpenAPI 3.1)

Base URL: https://coverage.exchange/api/public/v1 — public and unauthenticated.
OpenAPI spec: https://coverage.exchange/openapi.json (also /.well-known/openapi.json)
Human docs: https://coverage.exchange/developers

Operations (operationId — endpoint):
- listProducts — `GET /products?limit=20&offset=0`
- getProduct — `GET /products/{product}` where product is homeowners | ca_fair_plan | commercial_truck | auto
- checkEligibility — `GET /eligibility?state=CA&coverage_type=home&declined_or_nonrenewed=true`
- getCompanyInfo — `GET /company`

The API is read-only: every operation returns only public product, eligibility and licensing
content. There are no write endpoints — quote requests are made on the website forms each product
links to. No endpoint reads or writes quotes, uploaded documents, or customer records.

Error envelope (all failures):

    {"error":{"code":"validation_failed","message":"...","details":[{"field":"email","issue":"..."}],
      "docs":"https://coverage.exchange/openapi.json","request_id":"..."}}

Codes: not_found (404), method_not_allowed (405), validation_failed (422), rate_limited (429),
internal_error (500).

Rate limit: 120 requests/min per IP. Every response carries
RateLimit-Limit, RateLimit-Remaining, RateLimit-Reset; 429 responses add Retry-After. Retry 429 and
5xx after the indicated delay; all other 4xx responses are terminal — fix the request instead.