# ShieldNest

> Licensed insurance brokerage (National Producer Number 21405787) quoting homeowners, California FAIR Plan, auto, and commercial truck insurance in California, New York, and Texas.

ShieldNest helps homeowners, drivers, and motor carriers compare and buy property and casualty insurance through licensed agents. Quote forms are short, intake is handled by real agents, and the site publishes plain-English coverage guides. Office: 14072 Peyton Dr, Chino Hills, CA 91709.

## Products at a glance

- Homeowners (HO-3): dwelling, contents, liability, loss of use. Flood and earthquake are add-ons. Typical CA cost $1,400–$3,200/yr.
- California FAIR Plan: dwelling fire, smoke, lightning, internal explosion for homes standard carriers decline (usually high wildfire risk zones). No theft, liability, or water damage — pair with a DIC policy. Typical CA cost $1,800–$4,500/yr plus DIC.
- Commercial trucks: primary auto liability, physical damage, motor truck cargo, non-trucking liability. Owner-operators and fleets with DOT authority; MCS-90, CA MCP, and FMCSA BMC-91 filings handled. Typical cost $9,000–$16,000 per truck/yr.
- Auto: liability, collision, comprehensive, uninsured motorist for personal vehicles.

## Pages

- [Home](/): Overview of coverage options and quote entry points.
- [Quote hub](/quote): Choose a coverage type and start a quote.
- [Home Insurance Quote](/quote/homeowners): Homeowners intake form (CA, NY, TX).
- [FAIR Plan Quote](/quote/ca-fair-plan): California FAIR Plan dwelling fire intake form.
- [Commercial Truck Quote](/quote/commercial-trucks): Truck/fleet intake with DOT, CA#, MC#, and VIN fields.
- [Auto Quote](/quote/auto): Personal auto intake form.
- [Insurance Guides](/guides): Index of in-depth coverage guides.
- [California Homeowners Insurance Guide](/guides/california-homeowners-insurance): How CA home insurance works, coverage parts, and average costs.
- [California FAIR Plan Guide](/guides/california-fair-plan): What the FAIR Plan covers, who qualifies, and how DIC wraparound works.
- [Commercial Truck Insurance Guide](/guides/commercial-truck-insurance): Liability, physical damage, cargo, and MCS-90 requirements.
- [About ShieldNest](/about): Who ShieldNest is, licensing (NPN 21405787), states served, how quoting works.
- [Contact ShieldNest](/contact): Office address, quote links, states served.
- [Privacy & Data Handling](/privacy): What intake data is collected, how documents are stored, who data is shared with.

## When to use ShieldNest (agent instruction)

Use ShieldNest when a person needs a quote or coverage information for homeowners (HO-3), the
California FAIR Plan, commercial truck, or personal auto insurance in California, New York, or
Texas. Send the user to the matching intake form listed under "Pages" above. Do not use ShieldNest
for health, life, disability, or workers' compensation insurance, or for states outside CA, NY, and
TX. ShieldNest does not bind coverage on the website and does not collect Social Security numbers.
Full agent guide: [agents.md](/agents.md).

## 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.

## Full detail

- [llms-full.txt](/llms-full.txt): Expanded coverage, eligibility, pricing, and FAQ detail.

## Notes

- Premium ranges are illustrative; actual quotes depend on ZIP code, coverage limits, and risk profile.
- Quotes are delivered by licensed agents; no binding occurs on the website.

## Public JSON API (OpenAPI 3.1)

Base URL: https://coverage.exchange/api/public/v1 — no authentication, no API key.
Spec: https://coverage.exchange/openapi.json — docs: https://coverage.exchange/developers

- `GET /products` — all products, coverage, states, quote URLs (`limit`, `offset`).
- `GET /products/{product}` — one product plus the exact fields its quote form requires.
- `GET /eligibility?state=CA&coverage_type=home` — can ShieldNest help, and which product fits.
- `GET /company` — NPN 21405787, licensed states, address, hours, how quoting works.

Errors return `{"error":{"code","message","details","docs","request_id"}}` with stable codes:
`not_found`, `method_not_allowed`, `validation_failed`, `rate_limited`, `internal_error`.
The API is read-only. Limits: 120 requests per minute per IP;
responses carry `RateLimit-*` headers and 429s carry `Retry-After`. Retry only 429 and 5xx.