Covered embeds insurance savings and issue resolution right inside your servicing experience. Borrower payments stay affordable and you keep the loan.
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Pre-built integration with ICE Servicing Digital
Trusted by Top Servicers
U.S residential mortgage servicers use Covered.
$1,240
89%
4.7
80+
The Problem
Some do: an escrow jump nobody explained, or a force-placed policy out of nowhere. Others don't: the rest of life just got more expensive, and the mortgage payment is their biggest payment pain.
Either way, your borrowers' payment problems are huge problems for you too.
Where Insurance Comes In
Insurance is typically shopped once, then forgotten about. It only comes into focus for a homeowner once something has already gone wrong: a premium spike, escrow inadequacy, or a force-placed policy.
Yet insurance is a lever to improve many mortgage problems.
Why We're Different
Covered proactively identifies savings opportunities and coverage gaps. We're the mortgage industry's insurance specialist. We monitor policies for the life of the loan, so you and your borrower don't have to.
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Results
Proactive outreach prevents issues.
Fewer payment-shock calls & no more document chasing.
Payments stay within reach.
They refinance with you, not away from you.
Happy borrowers stick around & you waste fewer resources.
How We Do It • The Foundations
At the center of our solutions are a mortgage-specialized marketplace, agency, integrations and embedded experience.
80+ top-rated carriers and dedicated access to difficult markets, to help your borrowers get affordable and adequate coverage.
Licensed agents who are the mortgage experts in homeowners insurance and know how to best work with you.
White-labeled and pre-filled with your borrower data, and bound policies are automatically returned to you.
We partner and integrate with ICE Servicing Digital, SWBC and Cotality, so our solutions are already embedded in your borrower’s experience.
How we do it • Insurance Intelligence
Insurance intelligence watches for the problems borrowers would hit on their own, and gives them a solution ahead of time.
We flag borrowers who are likely to save and give them a specific reason to shop, rather than a generic reminder.
When a premium jumps, the borrower hears it from us, with options, before the escrow statement arrives.
We check the policy against the local rebuild cost and show quotes that close the gap.
A plain-language way off lender-placed coverage, with real replacement quotes.
Flood risk and auto bundling come up in the same visit.
They keep it and become a Covered customer, and their escrow is never disrupted.
Covered's ICE integration helps you strengthen borrower relationships by proactively offering borrowers ways to save, right where they already manage their loan.
Covered modules appear in your borrowers' ICE portal dashboard
Direct, white-labeled access to our carrier marketplace and mortgage-focused agents
Lower escrow payments by helping borrowers find savings on insurance
You Control
The borrower relationship and your brand
Policy economics
Where insurance shows up in your workflows
Covered Controls
The licensed agency and carrier relationships
50-state compliance
Marketplace logic and insurance operations
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Hours of Operation
Monday to Friday
6 AM to 7 PM MT
Saturday
8 AM to 5 PM MT
Sunday
Closed
Call Us
833-487-2683
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“Quotes are presented solely for your convenience. Savings may vary. Rates are subject to change based upon the specific coverage you select and other factors that apply to your situation. CA License #0M81402, doing business as Cubbard Insurance Solutions in California.”