# Lemonade MCP > Lemonade MCP manages your entire insurance lifecycle through natural conversation. Generate instant quotes for homeowners, renters, or pet coverage, check active policy limits, file new claims by describing incidents, and handle cancellations—all without navigating complex portals. Control every stage of your policy using only talking to your AI agent. ## Overview - **Category:** finance-accounting - **Price:** Free - **Tags:** insurtech, policy-management, claims, insurance-quotes, fintech ## Description Managing insurance shouldn't require a PhD in web navigation. This MCP lets you talk directly to Lemonade about your policies, handling everything from initial quotes to filing a claim, all inside your existing workspace. You can ask for new coverage—say, renters insurance for an apartment in New York—and get instant quote options by giving basic address details. Need to know what's covered? Just ask the agent to retrieve policy information and get full details on deductibles or limits. If something goes wrong, you simply describe the incident to file a claim using natural language. You can also cancel active policies when they're no longer needed and instantly check your refund eligibility. Because this MCP is hosted on Vinkius, it connects all these complex actions into one single point of interaction, letting you manage every detail of your insurance coverage conversationally. ## Tools ### cancel_policy Cancels an active insurance policy and checks refund eligibility. ### create_quote Generates a new insurance quote for various property types. ### file_claim Submits an official report of loss or damage against an active policy. ### get_policy Retrieves full details on a specified insurance policy, including limits and status. ## Prompt Examples **Prompt:** ``` Generate a renters insurance quote for my apartment in New York. ``` **Response:** ``` I've initiated a quote request for renters insurance. I'll need the street address and the holder's name to finalize the details. Would you like to provide those now? ``` **Prompt:** ``` What are the coverage limits for policy POL-12345? ``` **Response:** ``` Fetching details for policy POL-12345... Your policy is active with a liability limit of $100,000 and a $500 deductible for personal property. Would you like to see the full list of coverages? ``` **Prompt:** ``` I need to file a claim for a broken window on policy POL-98765. ``` **Response:** ``` I can help with that. I'll use the `file_claim` tool for policy POL-98765. Could you tell me the date the incident occurred and an estimated value for the window repair? ``` ## Capabilities ### Generate new insurance quotes Provide basic information to get immediate cost estimates for different types of coverage. ### Retrieve detailed policy status Get comprehensive details on active policies, including coverage limits and current status. ### Submit incident reports Start the claims process by describing what happened, setting dates, and listing damaged items. ### Manage policy cancellation Cancel an active insurance policy and immediately check your eligibility for a refund. ## Use Cases ### A client needs new home coverage after a move. The agent uses the `create_quote` tool to generate initial quotes for homeowners insurance. The user provides the address, and within minutes, they have three different pricing options to choose from, eliminating the need to visit multiple broker sites. ### An old policy is no longer needed. Instead of calling customer service, the agent asks to cancel the coverage. It uses `cancel_policy` and instantly confirms if a refund is due, providing the exact amount and timeline in one response. ### A policy needs an update or review. The financial advisor inputs the client's policy number and asks for a status check. The agent uses `get_policy` to retrieve current coverage details, allowing the advisor to spot gaps in the existing plan instantly. ### A burst pipe requires immediate action. The homeowner describes the incident of the broken pipes and affected items. The agent immediately uses `file_claim` with all necessary parameters, getting a claim ID number within the chat window so they can track it. ## Benefits - File claims instantly by simply describing the incident. You don't have to fill out complicated forms; you just talk through what happened, and the agent uses the `file_claim` tool to submit it for you. - Get immediate cost estimates without leaving your current chat window. Use the `create_quote` tool to generate new quotes for any coverage type based on basic details. - Never forget a crucial detail. Need to know what's covered? The agent uses `get_policy` to fetch comprehensive details, showing you limits and deductibles right away. - Handle policy changes without the back-and-forth emails. You can use `cancel_policy` when coverage is no longer needed and get immediate feedback on your refund amount. - Saves time that used to be spent logging into separate insurance websites. All quote generation, claim filing, and policy checks happen in one chat session. ## How It Works The bottom line is that your AI client handles all the necessary API calls; you just have to talk naturally to get what you need done. 1. First, subscribe to this MCP on Vinkius and enter your required Lemonade API Key. 2. Next, start interacting with the agent in any compatible client by asking about coverage or quotes. 3. Finally, the system uses the key information you provide—like a policy number or an address—to execute the desired action. ## Frequently Asked Questions **How do I file a claim using Lemonade MCP?** You simply describe the incident to the agent. It will use the `file_claim` tool for you, collecting necessary details like dates and estimated damage values in a natural conversation. **Can I get an insurance quote with Lemonade MCP?** Yes. You ask the agent to generate quotes using the `create_quote` tool, providing basic info like your address or desired coverage type. **Does Lemonade MCP help me cancel my policy?** Absolutely. Use the `cancel_policy` tool by asking the agent to process the cancellation. It handles the request and tells you right away about refund eligibility. **What information is needed for get_policy with Lemonade MCP?** The agent will typically ask for a policy number or other identifiers to successfully use the `get_policy` tool. Providing these details quickly gets you all coverage limits. **Is this MCP compatible with my favorite AI client?** Yes, because it's hosted on Vinkius, it connects easily from any MCP-compatible client like Cursor or Windsurf. Just follow the subscription steps to connect your account.