Total Expert and Covered Launch Embedded Homeowners Insurance Journeys for Mortgage Lenders

‍DENVER, COLORADO — March 6, 2026 — Total Expert, the FinServ leader in customer engagement software, today announced a partnership with Covered, an embedded insurance infrastructure provider purpose-built for the mortgage industry. As part of the Expert Partner Network, Covered’s homeowners insurance experience connects with Total Expert's dynamic customer Journeys. This allows lenders to initiate insurance shopping through automated, compliant borrower communications within Total Expert's existing customer engagement platform.
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Insurance has become harder to manage inside mortgage operations as it often shows up late, varies by borrower, and requires time-sensitive documentation. That leads to higher origination costs, lower CSAT, and premium-driven DTI issues, which can cause last-minute rework or loan fallout. This integration provides a repeatable workflow to introduce insurance earlier and track completion of key insurance steps within the same borrower engagement motion lenders already use throughout the mortgage process.
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How it works 
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Through Total Expert Journeys, lenders can:
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• Trigger an insurance step at key milestones (for example: early in the application process, during processing/underwriting, or pre-close), based on the lender’s preferred Journey design.
• Direct borrowers to shop for homeowners insurance through Covered’s guided experience.
• Track progress and completion through Journey-driven communications and status visibility, helping teams follow up consistently when documentation or next steps are outstanding.
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What’s different for lenders
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Rather than handling insurance as a separate, ad hoc task, the integration is built to create a seamless, standardized experience:
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• Insurance communications with borrowers can be automated and managed within the existing Journey structure lenders already use, offering flexibility and keeping the Loan Officer front and center.
• The approach can be applied across the borrower lifecycle where insurance matters - originations, renewals and other servicing-related outreach through Journeys.
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Executive perspectives
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“Our customers have consistently told us they want a simpler, more connected way to incorporate insurance into the borrower journey without adding complexity for their teams,” said Dan Catinella, Chief Lending Officer at Total Expert. “Through our partnership with Covered, we are enabling lenders to seamlessly embed insurance touchpoints directly into their customer journeys, creating a more unified borrower experience. This allows teams to standardize and automate outreach across their organization, reduce manual follow-up, maximize insurance cross-sell, and drive greater efficiency and revenue opportunities within a repeatable, scalable workflow.”
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“Covered is built to function as insurance infrastructure that mortgage teams can operationalize,” said Ross Diedrich, CEO at Covered. “With Total Expert, lenders can trigger insurance touchpoints at the milestones they choose and give borrowers a clear path to shop a top-rated homeowners insurance marketplace - helping them discover affordable coverage with an agency that has their back, now and at renewal.”
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About Total Expert
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Total Expert is the purpose-built customer engagement platform trusted by more than 200 financial enterprises. Total Expert unifies data, marketing, sales, and compliance solutions to deliver the perfect customer journey across every financial milestone—in any market. Total Expert turns customer insights into actions that increase loyalty and drive growth for modern banks, lenders, credit unions, and insurance companies.
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Visit totalexpert.com to learn more.
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About Covered
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Covered provides mortgage-specific insurance infrastructure designed to support borrower insurance shopping and digital documentation collection, helping lenders and servicers operationalize insurance-related steps through workflows they already run.
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Visit itscovered.com to learn more.
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Media Contacts
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Greg Kassardjian, 

Head of Marketing, Covered

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