There are many factors that contribute to an increase in insurance rates. Location, characteristics of the home, roof type and even your credit score in some states affects your rates, as well as claims history. Home insurance rates also change on renovations to your property. Speak with someone on our team and we can advise and counsel on changes to your insurance rates and premiums, while also finding ways for you to save where you can.

Covered offers a wide variety of personal insurance lines available upon integration. The suite of insurance offerings include home, auto, renters, flood, condo, motorcycle, boat, umbrella, life, pet and even commercial! As Covered grows, we are continuously building a larger suite of insurance products. More to come!

Covered has an entire team gearing up to ensure you have the most competitive rates on your coverage. We base your policy review on the terms of the policy as they are currently listed, so if you have made any changes to your property such as renovations, adding a gazebo, getting new windows, or installing new appliances, you will need to let us know about those as we would want to ensure everything that changes the value of your home or the value in your personal property gets included for the policy coverage.

Typically certain types of property have limited coverage with standard policies, so it is a good idea to itemize certain valuables not only to increase the coverage amount, but to broaden the types of covered losses. Items like an expensive ring are not covered under standard home insurance policies, so insuring in case of loss through itemizing it, you’ll be able to rely on insurance helping to cover the cost to replace it.

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.

Covered provides a best-in-class insurance experience for your customers! By simply integrating our digital insurance technology into your existing platform, you can improve your customer experience and retention while building an additional revenue stream.

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.

We always display the most cost-effective options based on answers provided. Previous coverage is an option that would be explored by the agent once a carrier is chosen. In addition, we display a “Covered Score”, a calculation of several common rating services, AM Best, BBB, Clearsurance and JD Power.

Get in touch with Covered so we can get the new upgrades included in your policy. If you made upgrades over the course of the year, make sure you documented everything you did and we can assist in adding these to your policy coverage. Do this before your policy renewal or let us know when you hear from us beginning at the 60-day time leading up to your renewal. Outdoor upgrades are categorized as 'other structures 'and aren’t always included in your standard policy unless you specifically purchase the coverage. So make sure to let us know and we can get these items included in your policy.

Covered is licensed and provides coverage in all 50 states.

Yes, Covered is a licensed insurance provider in all 50 states including D.C.

Dwelling coverage covers the rebuild of a home in the event of disaster. Although your home may have cost you $600,000, the cost to rebuild your home may only be $350,000 based on materials and labor at the time. When you do a basement renovation, you will want to verify water damage coverage, as well as review the value increase in the home from the basement renovation. With a finished basement, the cost to rebuild has just increased with this new area of your home, so make sure you let us know so we can verify you are protected and change things in your policy as needed.

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.

Yes, insurance policies automatically renew. Your carrier will send you a renewal statement a few months prior to renewal, and if you have no changes, the policy will automatically renew. As part of our renewal process, Covered Customer Service Agents begin reviewing your policy and 35 days before your policy renewal, the team performs a renewal shop to ensure you are receiving the most competitive rates. Keep an eye out for emails from the Covered team as we get closer to your renewal date as we will help you through the entire renewal process.

Frustrated with navigating the complicated, highly- regulated insurance industry, Ross Diedrich, with his brother and co-founder, Chris Diedrich, realized there was a need for a service that provides insurance options where and when consumers need them - a notion that brought the Covered Insurance marketplace to life.

Now, Covered offers technology that enables its partners to offer insurance shopping within their existing ecosystem while demonstrating clear results of boosting consumer satisfaction, reducing operational friction, and creating new revenue opportunities.

With a people-first mentality, Covered is consistently expanding its breadth of insurance products while enhancing partner product features and capabilities for the future.

Generally, unless you have tenants living in your home, people moving in and out won’t affect your home insurance policy. You should notify us if you have changes in occupancy to be safe.

Covered does have a standard implementation process. Once a partner contract has been signed, we move into a structured implementation process with support from Covered’s dedicated Partner Implementation Team 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 easily and structured, while engaging the right stakeholders.

Credit scores/reports are never run. Some carriers pull soft inquiries (does not impact credit scores), but it is based on the carrier and many states have prevented carriers from running soft inquiries altogether.

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.

Not only is reviewing your policy coverage important when you make major improvements to your home, acquiring new items like expensive jewelry or a flat-screen TV should also be added to your policy. Be sure to add anything you have bought to your home inventory and update your policy to reflect the new values. These items add up quickly, so make sure to let your Covered Insurance Advisor know so we can adequately cover your personal property.

Typically homeowners insurance policies renew annually. Covered will notify you 60 days prior to the renewal date and then our team begins the policy reshop for you to make sure you get the most competitive rate for the renewal. You will receive a renewal statement a few weeks before the renewal date. If you know there are coverage gaps prior to the renewal date, you can change your coverage at any time, but depending on the carrier your policy is with, there may be a fee to make changes prior to the renewal date. Give us a call if you want to get some information on renewals before the renewal date of your policy.

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.

With our renewal process, Covered does the reshop and if we find you have bundling opportunities, we will get in touch with you to get your coverage bundled. If you know you want to bundle before the policy review and your renewal date, simply call us at 833-487-2683 or email service@itscovered.com to speak with someone on our team.

You can Request a Demo or get in touch for more information with the Covered team using our contact form, email or phone.

In the event your home becomes inhabitable, loss of use coverage or additional living expenses (ALE) coverage can help pay for the additional costs you might incur for reasonable housing and living expenses if a covered event makes your home temporary inhabitable during repair or rebuild. Speak with the Covered team about adding loss of use insurance coverage to your policy.

Speak with a Covered Advisor as we can help gauge the best steps to take before you begin renovating and provide advice on what to expect and how the renovation is going to impact your insurance coverage and policy.

Covered offers 3 main implementation options to enable partners to offer insurance to their customers based on their needs.

The most common implementation, White Label Experience, is a holistic experience to shop and compare multiple insurance quotes in just a few clicks by leveraging a bridge out link to Covered’s proprietary quoting experience.

The next implementation, Covered’s Software Development Kit (SDK), leverages the power of Covered’s API to offer an embedded insurance journey in the partner’s digital experience without the need for intensive development efforts.

The last main implementation option is Covered’s Embedded API. This implementation type embeds insurance quoting and comparison capabilities directly in the partner’s digital experience. The partner is able to own the delivery of their customer’s experience and retain them within their workflow.

We have automated the shopping process where we find the most competitive rates based on the customer’s submitted information and our network of over 30 top-rated national and regional insurance carriers. We always request quotes from as many carriers as possible and return as many quotes as possible to find the lowest rates. With every quote, we try to provide at least three carrier options on the quote display screen.

Everything is essentially good to go! We check for any rate changes or potential changes in carriers so you always get the most competitive rates. It’s one of the best parts of being a Covered customer - we do all the heavy lifting for the reshop, compare, and purchase or simply renew the current terms.

Covered will not sell to or share your customers' information with 3rd parties other than those required to provide the services requested (meaning we will share it with the insurance carriers for quoting, but won't sell leads who don't purchase a policy). Regarding the disposal of customer PII, currently we retain PII in our system following our campaigns, in accordance with our records management policy. We need to keep the information for several reasons including reporting, regulatory purposes, and maintaining a consistent customer experience for customers who engage after our marketing campaigns. We have a comprehensive and strict information security program in place and the retention/disposal of PII will be in compliance with our records management policy.

Covered currently has over 40 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 here.

Covered Insurance Solutions (“Covered”) is an independent digital insurance marketplace that meets customers when and where they need insurance. With Covered, our partners across financial services, real estate, mortgage services and the auto industry can deliver multiple competitive quotes shopped from over 30 top-rated national and regional carriers for their personal insurance needs.

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.

Inflation and rising interest rates affect your homeowners insurance due to the rising cost of rebuilding. During economic conditions with increasing costs across building materials and labor, or even shortages, all will impact the rates of insurance premiums. Be sure to speak with us about your current policy and any changes to dwelling rebuild or repair costs against your coverage to make sure you are fully protected in these unpredictable times.

Not quite, they are buying an insurance policy from the carrier of their choice - we are licensed and appointed by them to sell the policy to them. Customers purchase policies through Covered because they get all the perks of being a Covered customer. 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 your customers are always getting the best price!

Covered currently has over 40 top-rated 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 carriers here.

The chat service connects to a real human being.

Partners are not charged to utilize Covered Insurance. In fact, in many cases partners can earn revenue from the use of Covered within their ecosystem. 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.

No - these fields are not required in order to generate a quote, but can be gathered to identify potential savings discounts (ex: Military/Veteran)

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!

There is a limited remarketing campaign that the prospect enters. Ultimately, if they choose not to buy from Covered after remarketing efforts, Covered will cease soliciting the prospect.

A calculation/compilation of several common rating services, ie AM Best, BBB, Clearsurance and JD Power.