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Get multiple custom home quotes for your home - shopped and compared from over 30 carriers.

Shop from over 30 insurance providers to get multiple auto quotes in minutes.

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Protect yourself, your assets, your property and more with Umbrella Insurance.

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Fur babies need insurance too and we can help you shop for your pets.

Looking for insurance for your sailboat, powerboat or watercraft? We can help!

Our riders are Covered too! We can help you shop insurance for your motorbike.

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Would you rent your car to a stranger? In the United States, more car owners than ever are saying 

. Using peer-to-peer car sharing (aka P2P car sharing) services like Turo, Avail, Getaround, and JustShareIt, they’re turning their personal cars into moneymakers. 

, the number of P2P car sharing vehicles has more than doubled since 2015 (~200k to 440k cars). That figure is expected to more than double AGAIN by 2025 to ~990k cars.

Considering Renting Your Car to Turo or Avail? Time to Revisit Your Auto Insurance.

Many people buy car insurance as if they’re checking a box, disinterested in what it really MEANS for them. The truth is that most people don’t really understand how car insurance works until they’re forced to. Typically, that happens only when they’ve been involved in an auto accident. Now, is that really the best way to approach car insurance?

Here at Covered, we are big believers in education as empowerment. That’s why our new blog series will tell you everything you really need to know about car insurance. A cross between a “Car Insurance 101” guide for beginners and an “ultimate” guide covering some slightly more obscure car insurance topics, the goal is to answer your questions, share tips, and essentially turn you into a bona fide car insurance master.

To get started, let’s get clear on the different types of car insurance coverage. Your auto insurance policy provides several types of coverage. 

Each state requires different coverage levels

, and your policy will be set up to meet minimum requirements.

There are six primary types of car insurance. There are also several common coverage options, or riders, that you may add to your policy. Welcome to Covered’s first installment of Car Insurance 101, which spells it all out as simply as possible.

Liability Coverage (AKA “Whoops Messed Up Big Time”)

Liability coverage applies to situations in which YOU are at fault for an accident. This coverage, required in most states, helps you meet your legal obligations to others in these situations.

Property damage liability coverage helps you cover the costs of repairing or replacing the damaged car(s) or personal property belonging to others. It does not pay for repairing or replacing your vehicle.

Bodily injury liability coverage helps you cover the costs of medical expenses and other expenses (e.g., lost wages) incurred by the other driver(s) hurt by the accident. It does not pay for the bodily-injury-related expenses of you or anyone else in your car.

Uninsured/Underinsured Motorist (AKA “They Can’t Pay”)

Uninsured/underinsured motorist coverage applies to situations in which you’re hit by a driver who either doesn’t have auto insurance (uninsured) or has insufficient auto insurance (underinsured) to pay the costs resulting from the accident. This coverage may also come into play in hit-and-run situations, when your car has been damaged but the perpetrator failed to leave you a nice windshield note. It may also protect you if you are a pedestrian hit by a car.

Uninsured/underinsured motorist coverage is required in several states (currently CT, IL, KS, ME, MA, MN, MO, NE, NY, NC, ND, OR, SC, SD, VT, WV, WI, and Washington DC).

Medical Payments (AKA “Get Fixed Up No Matter What”)

Medical payments coverage can pay for your or your passengers’ medical expenses due to an auto accident. This coverage can come into play no matter who’s at fault. It is not available in all states; when it is, it is almost always optional.

Personal Injury Protection (AKA “I’ve Got Your Back, Literally”)

Personal injury protection (PIP) coverage — optional in some states; required in others — can pay for your or your passengers’ medical expenses AND other costs (e.g., lost wages, rehabilitation services, funeral costs) due to an auto accident, no matter who’s at fault.

Note that this coverage is not available in all states. Generally speaking, PIP is available in 

, while medical payments coverage is available in states that aren’t “no-fault.”

Collision (AKA “My Car Deserves Fixing, Too!”)

Collision coverage may pay for damages to your car when you’re at fault for a collision. Basically, this covers collision-related property damage that ISN’T covered by liability. It may also cover the towing of a damaged vehicle to a repair shop. Note that it does not cover the cost of towing due to a breakdown.

Collision is generally optional, except in situations where your car is leased or financed. Often, you can’t purchase collision coverage without also purchasing comprehensive coverage.

Comprehensive (AKA “Oh Swell It’s My Unlucky Day”)

Comprehensive coverage may pay for damages to your car that aren’t the result of a collision. For example, if you hit a deer, your hood gets pock-marked by hail, your tires get slashed, or your car gets stolen, this coverage can help. As mentioned, comprehensive and collision coverage are most often purchased together. Like collision, comprehensive is only required if your car is leased or financed.

If you buy comprehensive coverage, make sure that you understand whether your car is insured for actual cash value (ACV) or replacement cost. 

Let’s Go Riding! Common Options for Extra Coverage

When you buy your auto insurance policy, you may also elect to purchase optional riders. Common auto insurance riders include:

 coverage (also known as “loss of use”) helps you get around while your car is being repaired as a result of a covered loss. It can reimburse you for a rental car or public transportation costs (e.g., taxis, buses).

 coverage can provide roadside services such as towing, tire changes, jumpstarts, lockouts, and fuel delivery. (Covered typically doesn’t recommend adding this coverage. 

 can reimburse you for the costs of towing and labor to repair your vehicle. This rider is typically only available as an add-on to comprehensive coverage.

 can help pay the costs to repair your vehicle’s mechanical parts and systems (e.g., engine, transmission, drivetrain, brakes, power system). MBI is similar to an extended manufacturer warranty, but it often covers more systems.

 can pay to repair or replace a damaged windshield. Your deductible is waived for this coverage.

 can pay the difference between the car’s ACV and any amount still owed on a car loan or lease. Gap comes into play if your car is stolen or 

 guarantees that you’ll receive the total, non-depreciated amount you paid for a new car if it’s declared a total loss within a set time following its purchase.

 can mean that your first at-fault accident is “forgiven” provided you’ve had no other at-fault accidents within a six-year period.

 can pay to repair or replace any after-market accessories you’ve permanently installed in your car.

 increases your liability coverage limits if you or one of your family members are hurt in an accident for which an uninsured or underinsured driver is at fault.

Now don’t you feel smarter already? We thought so! Why not keep your smart streak going by

comparing rates on a new car insurance policy

? We’ll get you accurate quotes in a minute or less!

Car Insurance 101: What Are the Different Types of Car Insurance Coverage?

You might not think that people who sell insurance for a living are motorcycle riders. In our case, you would be wrong. Some of us are riders! We know what it’s like out there, set loose and speeding along on two wheels amidst a sea of cars. It’s beautiful. It feels like freedom. It’s awesome.

It’s also not the safest. We know that, too. Which is why we want to help make sure that our fellow riders are being smart about protecting themselves — which involves making sure you have the right motorcycle insurance for your needs. So what do you really need to know about motorcycle insurance before getting on the road? How much motorcycle insurance coverage do you need? How does motorcycle insurance work? And how can you make sure that you get the best rates on motorcycle insurance? Welcome to Motorcycle Insurance 101!

Motorcycle Insurance Is Not Optional

To begin with, all US states require that you show proof of minimum liability coverage in order to register your motorcycle. But there’s an even more important consideration: Without insurance, if you do get in an accident or wreck your bike, you could end up unable to pay for or recover damages. You could also end up on the hook for paying damages and medical costs out of pocket, putting you at risk of losing your home, car, or other assets.

If you’re a rider, you’ve heard it all already. But it bears repeating. As the Insurance Information Institute attests, motorcycles are involved in a crazy amount of accidents annually in the US. They’re hard for other vehicles to see, and it’s not like you’re wearing a seatbelt. And while we know you love that two-wheeled experience, two wheels are simply less stable than four. So it’s more likely than not that you’ll actually end up using that motorcycle insurance, whether you like it or not.

Minimum Coverage Isn’t Enough

Just as Motorcycling.com asserts, maintaining only the minimum liability coverage isn’t enough. Vehicle repairs, medical care, and legal fees can be incredibly costly. If you do get into an at-fault accident, those minimum coverage limits are likely to be woefully insufficient. Are you really willing to put your assets and financial health on the line for a cheaper motorcycle insurance premium?

As with any other type of insurance policy, the best course is to work with your insurance agent or advisor to customize your motorcycle policy coverage to match your needs and financial situation. That may mean considering generally optional coverages like collision, comprehensive, accessory or custom equipment coverage, medical payments or personal injury protection, uninsured/underinsured motorist, or full replacement cost for that sweet bike of yours.

Motorcycles Work Great With Umbrellas… Umbrella Policies, That Is!
Personal umbrella insurance policies are a great idea for motorcycle riders. Why? Well, as we mentioned, those motorcycle insurance policy minimums are just not sufficient. Depending on your policy, they may not provide coverage for many of the unexpected events that you may encounter, like vandalism, underinsured/uninsured motorists, loss of use, roadside assistance, or damage to all of those incredible accessories, mods, or other custom equipment. Umbrella insurance policies, on the other hand, can be customized to provide extra coverage for exactly these types of events.

To review, umbrella insurance coverage provides additional liability coverage that comes into play after you’ve reached the limits of your standard insurance policies. Depending on the umbrella policy you buy, you can use umbrella coverage to enhance or extend the coverage provided by your homeowners, auto, renters, motorcycle, boat, or other insurance policies. Typically, personal umbrella policies offer at least $1M in liability coverage. And umbrella policies are more affordable than you think. (We know because we sell a ton of them!)

Subtitle

Motorcycle Insurance 101: What You Need to Know Before You Get on the Road

A Name Trusted For Over 145 Years. Protection You Need For You & Your Family. Impacting customer's lives with flexible insurance and benefits.  MetLife Auto&Home is a brand of Metropolitan Property and Casualty Company.

“Being there for our customers when they need us the most is the promise MetLife delivers on every day,” notes Darla Finchum, president, MetLife Auto & Home®.

MetLife

Personal Property Protection

 Bundling Savings

Identity Protection

Progressive Insurance has been around since 1937, and prides itself on taking an innovative approach to auto insurance. Progressive was the first insurer to offer drive-in claims service, and the first to allow customers to pay their premiums in installments.

Progressive is known for offering competitive prices. Progressive says that 95 percent of its customers earn at least one money saving discount, and many earn more than one, as there’s no limit to how many discounts Progressive customers can earn.

Progressive

Progressive Offerings

Kemper is one of the nation’s leading insurers. With nearly $14.3 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses.

Kemper Insurance

In 1897, the company that would become Encompass began selling personal insurance backed by a clear, simple promise: "Protection and Security." Today, well over a century later, it's still a foundation of the business.

Encompass Insurance is one of the largest personal property and casualty insurance brands sold exclusively through a network of more than 2,400 independent agents and is a subsidiary of Allstate Corporation.

Encompass

Home Insurance Option Packages

Mortgage rate protection

Computer and data recovery coverage

Founded in 1853, Travelers is one of the oldest insurance companies in the United States. Travelers knows how important it is for you to resolve an issue as quickly as possible. That's why their fast and efficient claims services are available 24 hours a day, 365 days a year.

Travelers

Green Lifestyle Discount

Tailor Policy

Multi-policy Discount

Safeco Insurance Company of America Inc., an insurance and financial services company, selling insurance and investment products in the United States. The company was incorporated in 1953, is a member of the Liberty Mutual Group and has stood ready at its customers most trying moments for more than 85 years.

Safeco Insurance

Single Loss Deductible

Equipment breakdown coverage  

Less Than 10 Years Old

Velocity Risk is the only single-source underwriter with an unmatched appetite and capacity for catastrophe risk. They believe a coastal lifestyle should be idyllic and enduring, and when chaos strikes, the return to that ideal state should be swift and resolute.

Through our capacity, we’re changing what it means to be covered in the face of some of the worst coastal calamities. It means we’re able to give personal and commercial property owners some of the most powerful coverage for their investments, giving property owners a piece of mind that might once have felt impossible in a coastal location.

Velocity

Coastal Coverage

Catastrophe Risk

Personal and Commercial Coverage

Insuring a home, business or property from a catastrophic flood loss can be confusing. At Wright Flood their sole focus is federal flood insurance and excess flood insurance. They are committed to helping property owners and their agents assess their flood risk, and properly insure it through the National Flood Insurance Program (NFIP).

At Wright Flood their roots are in federal flood insurance dating back to the very beginning of the flood program and grew stronger as they acquired flood policies to become the largest provider in the marketplace. Their network of over 17,000 independent agents has assisted flood insurance policyholders to recover through more than 40 years of hurricanes, nor’easters, spring thaw flooding, levee failures and even some unexpected downpours.

Wright Flood

Backed by FEMA

Meets Lender Requirements

Claim Resources

Hagerty Insurance Agency, styled just Hagerty, is an insurance company specializing in classic car insurance based in Traverse City, Michigan, in the United States. The company is the leading insurance agency for collector vehicles in the world and host to the largest network of collector car owners.

Hagerty

Includes

The Hanover Insurance Group, Inc., based in Worcester, Massachusetts, is one of the oldest continuous businesses in the United States still operating within its original industry - insurance.

It acts as the holding company for several property and casualty insurance companies, which together constitute one of the largest insurance businesses in the United States and distributes its products through a select group of independent agents and brokers.

The Hanover Insurance Group

Platinum Home Insurance

Umbrella Policy

ID Theft Protection

State Auto Financial Corporation is a super-regional insurance holding company headquarter in Columbus, OH. For nearly 100 years, State Auto has provided protection to consumers for personal and business insurance. Today they have assets of $4.6 billion and write $2.0 billion in premium in 33 states.

State Auto

Choice 

Extended Coverages 

 Expanded Discounts 

Westfield offers options designed to give you quality and value. Choose to get the most from your insurance by combining your home and auto insurance into one package or choose something more basic and straightforward. With Westfield, the choice is always yours.

Westfield Insurance

Wespak ®

Wespak Estate

Nationwide Insurance has been in business since 1925. For over 85 years, they have put their members first because they don’t have shareholders.  Focusing on customers and in valuing people has helped Nationwide become one of the largest insurance and financial services companies in the world.

Nationwide

Brand New Belongings 

Ordinance insurance 

Easy Process

 is backed by some of the largest insurance markets in the world. They are significant players in the U.S. market and are rated “A” (Excellent) or better by A.M. Best. With this financial stability, Neptune feels confident in waterproofing people’s lives day in and day out with high limits and additional coverages.

Neptune Flood

Great American Insurance

American Strategic Insurance (ASI) is one of the 15 largest homeowners insurance carriers in America and part of the Progressive Group of Insurance Companies providing property and flood insurance.  The company has built core values that permeate every aspect of their business in meeting the needs of their policyholders - understanding, compassion, speed and fairness when losses occur.

ASI is proudly represented by over 2,000 independent agencies across the country.

American Strategic Insurance

Paying living expenses

Flood Insurance

Extended Properties

Founded in 2000 as the Fidelity National Property and Casualty Insurance Group, Stillwater is a national insurance provider operating in all 50 states providing a positive track record in the marketplace of being responsive, truthful and honoring promises.

Stillwater Insurance Group

Extended Replacement Cost

Personal Property Replacement

Additional Coverage

Integrity

Auto Insurance

Home Insurance

Life Insurance

Foremost Insurance Company was founded in 1952 by two investors named Edward J. Frey and Edward L. Stoddard. Their goal was to build a company to provide insurance to people living in mobile homes.

Foremost expanded in the 1970s when it added boats, motorcycles, minibikes, snowmobiles, and ATVs. They pride themselves on having easy-to-read policies that are simple and to the point for clients. In 2000, Foremost was bought by the Farmers Insurance Group.

Today, Foremost provides consumers in 43 states with exceptional auto insurance service.

Foremost Insurance Group

HelpPoint Claim Services

Other Offerings

CNA Insurance Company is currently considered the seventh biggest commercial insurer in the United States. CNA provides insurance coverage to more than one million employers and employees in the U.S. and in other parts of the globe.

CNA started operating in 1867 and has consistently focused on providing excellent service and building relationships with its client base. These factors mark the reason why CNA is viewed as a trustworthy company. The company is also lauded for its high rating for financial strength by all the major and independent rating firms.

The company headquarters is located in Chicago but the company also holds office in several states, likewise in Canada and in Europe. The company employs around 9,000 employees spread across more than 32 offices in the country.

Grange offers affordable and customizable auto, home, life and business insurance products. Together with Integrity Insurance, their affiliate company, they continue to sell exclusively through independent agents and serve customers across 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin

Grange

Expertise of independent agents

Personalized coverage

Convenient online account access

Your customers’ information is safe and secure with us. Covered will never sell customer information to third parties. We follow industry-standard protocols related to data. We only access data that is supplied by the customer and/or made available to Covered by permission explicitly provided by customer. The data provided helps us to offer accurate quotes to your customers.

Do you have a four legged family member? Covered provides pet insurance, reducing veterinary costs for routine visits and emergencies. Need a renters policy for your college bound kiddo? Covered can provide Renters insurance through our carrier panel as well. Need coverage for your motorcycle, RV, boat, or other toys? Covered will shop and customize your policy coverage to ensure all of your weekend fun has the protection you need.

Covered is licensed and provides coverage in 49 states (everywhere except New York).

Switching is easy, and the savings are AWESOME! Once your Covered Insurance Advisor finalizes your new policy, they’ll help you cancel your old policy in no time. You just need to worry about making room in your wallet for all of the extra cash!


We ensure compliance with all federal and state regulations. We’re SOC 2 Type II certified, compliant with all applicable federal and state laws, including GBLA, REG P, RESPA & RFPA, and our experienced agents are all licensed insurance advisors. We regularly test security protocols. Users must approve which personal information can be shared and with whom. Partners and third parties work with Covered in accordance with applicable laws.

Yes, we do.  Once a partner contract has been signed, we move into a structured implementation process to understand key business processes, define marketing campaigns, design technical integration, and establish a geographic roll-out cadence. Our implementation process focuses on making decisions easy and; structured, and on engaging the right client stakeholders.

Covered provides a best-in-class insurance experience for your customers and employees and is free for you and your clients to use! By simply integrating our digital insurance technology into your existing platform, you can improve your customer experience, retention and, loyalty while reducing your operational costs. 

Covered Insurance Solutions (“Covered”) is an independent, nationally licensed digital insurance agency that delivers a fast, simple, and personalized way to shop for your insurance needs.

The Covered Digital Insurance Marketplace is an excellent fit for companies involved in home-related businesses. Our top partners are from the following industries:

Home services companies such as moving companies, title companies, transaction companies 

Independent real estate agents and loan officers

Covered currently has over 30 national and regional carriers providing insurance on their platform - including leading insurance brands such as Travelers, Nationwide, Progressive and Safeco. Covered continuously monitors the performance of all carrier partners. Check out our insurance partners 

Request a Demo or get in touch with Covered via our contact form, email or phone.

We’ll make it easy and we’ll make you look good.

Covered offers the following range of products to your customer:

Covered is 100% free to use. Covered gets paid a commission directly from the insurance carrier you select, just like any other independent insurance agent. Our insurance advisors are carrier agnostic. They are not influenced by any specific carrier - we are only here to help you find the right protection at a price that is right for you.


Not quite, you’re buying an insurance policy from the carrier of your choice - we are licensed and appointed by them to sell the policy to you. What is the best part about purchasing through Covered? You get all of the Covered perks! We provide support and advice on when to file a claim, along with regular insurance check-ups and automated shopping year after year to ensure you are always getting the best price!

Tiffany K.

Covered Insurance has a great team of professionals. Madison helped me out a lot. She explained everything in detail so I can choose the renters insurance that was best for me. 