68 answers covering what Covered is, how it works, who it serves, and why it exists — organized so you can find what you need fast.
Covered is a 50-state licensed insurance agency and insurtech platform built for the mortgage industry. It is not just a place to buy insurance, and it is not just software. It is both, working together.
Compare homeowners insurance from 65+ top-rated carriers — including in hard-to-insure markets where others fall short.
Evidence of Insurance is automatically captured and delivered directly into lender and servicer systems — no manual follow-up required.
Native integrations with Blend, ICE Servicing Digital, Total Expert, and Blue Sage Solutions bring insurance into the workflows lenders already use.
Mortgage-trained insurance advisors available Monday–Saturday to help borrowers find qualifying coverage — including in difficult markets.
Covered operates at the intersection of insurance and mortgage — serving both the businesses that originate and service loans, and the homeowners and borrowers who depend on them.
Shop, compare, and purchase homeowners insurance from a 65+ carrier marketplace. Get mortgage-ready coverage fast — whether you're buying a home, renewing a policy, or navigating a hard-to-insure market.
Reduce insurance friction from application to closing. Automate EOI collection, support borrowers in difficult markets, and prevent last-minute insurance surprises from derailing loans.
Proactively manage portfolio insurance risk, reduce lender-placed insurance, deflect escrow increases, and give borrowers a seamless insurance experience inside your existing servicing portal.
Deploy across the full origination and servicing lifecycle. Pre-built integrations, white-label options, and real-time APIs make implementation straightforward — without a heavy IT lift.
Average annual customer savings*
NPS Score from borrowers
*Savings are not guaranteed. The $1,240 figure is based upon anonymized savings data for dwelling insurance from recent historical periods, excluding bundles and non-homeowner coverages. Rates are subject to change based upon the specific coverage you select, the carrier, and other factors.
We organized every question we get about Covered into 10 sections below. Find your topic and get a straight answer.
What Covered is, what it does, and how it is different from a traditional insurance agency.
Covered is a 50-state licensed insurance agency and insurtech platform built specifically for the mortgage industry and homeowners. For homeowners, our marketplace of 65+ top rated insurance carriers allows you to shop across numerous products, helping you find the coverage that makes sense for you - even in areas that are hard to insure. For Mortgage Companies, Covered embeds homeowners insurance technology directly into the digital workflows already used by mortgage lenders, loan servicers, and borrowers. At its core, Covered is insurance infrastructure for modern homeownership - designed to reduce friction for consumers and the businesses that serve them.
Covered does several things depending on how it is deployed: Helps homebuyers and homeowners compare and purchase homeowners insurance from a curated marketplace of 65+ carriers. Automates the collection and delivery of insurance documents (like the Evidence of Insurance) directly into lender and servicer systems. Embeds insurance shopping experiences inside mortgage platforms like Blend, ICE Servicing Digital, Total Expert, and Blue Sage Solutions. Helps servicers proactively monitor their portfolios for insurance gaps, overpriced policies, and lender-placed insurance risk. Provides U.S.-based, mortgage-trained insurance advisors who can help borrowers in difficult or hard-to-insure markets.
Yes. Covered is a fully licensed insurance agency operating in all 50 U.S. states. Covered is trusted by many of the top residential mortgage servicing companies in the country and works with some of the largest mortgage institutions in the United States. Covered maintains an "Excellent" 4.8-star rating on Trustpilot based on over 1,000 customer reviews, and an 87 Net Promoter Score (NPS) - a benchmark that reflects exceptional customer satisfaction.
Covered's platform and internal controls are SOC 2 Type II certified, which is an independent third-party audit of security practices. Because Covered is purpose-built for the highly regulated mortgage industry, its systems are designed to comply with key federal and state data privacy laws, including: Gramm-Leach-Bliley Act (GLBA) governing financial data privacy, Real Estate Settlement Procedures Act (RESPA) governing mortgage settlement services, and TCPA/CCPA governing marketing communications and consumer data rights.
Both. Covered is best described as insurance infrastructure built for modern mortgage and homeownership experiences. It is a fully licensed insurance agency with the ability to quote, compare, and bind policies, and it also operates as a technology platform that integrates directly into mortgage workflows. This combination is what makes Covered unique - it is not just a place to buy insurance, and it is not just a software tool. It is both, working together.
Covered serves both businesses and consumers: Consumers who are homebuyers needing insurance before closing, and existing homeowners who want to shop, renew, or address a servicing-related insurance issue. Mortgage Lenders and Loan Officers who need to reduce insurance friction, prevent closing delays, and automate document collection. Mortgage Servicers who need to proactively manage portfolio insurance risk, reduce lender-placed insurance (LPI), and improve the borrower experience. Credit Unions, Banks, and Independent Mortgage Banks (IMBs) across the full origination and servicing lifecycle.
A traditional insurance agency is primarily a standalone shopping experience. Covered is designed to do far more. Key differences include: Mortgage integration - Covered connects insurance to the mortgage journey, embedding directly into loan origination platforms, servicing portals, and CRM systems. Document automation - Covered automates Evidence of Insurance (EOI) delivery directly into lender systems with no manual back-and-forth. Mortgage-trained advisors - Unlike generalist agents, Covered's advisors specialize in mortgage-related coverage requirements. Difficult market access - Covered has dedicated carrier relationships for high-risk, limited-availability markets.
How to access Covered, what you can shop for, and what makes the experience different.
Covered primarily reaches consumers through partnerships with mortgage lenders and servicers. If your lender or servicer has partnered with Covered, you may access it through an embedded task or prompt inside your loan application portal (such as Blend), an email or text message from your loan officer triggered through their CRM (such as Total Expert), or a white-labeled insurance dashboard inside your authenticated mortgage servicing portal (such as ICE Servicing Digital). You can also contact Covered's team directly at (833) 487-2683 or visit getquote.itscovered.com/covered.
No! Whether you are purchasing a home, replacing your current policy, renewing at the end of your policy term, or addressing an insurance issue tied to your mortgage or servicing account, Covered's U.S.-based licensed advisors are available to help. Our agents also sell a variety of other insurance policies and products. Even if you are not a homeowner, our team can still help you shop for coverage for your car, boat, RV, or pets!
Yes. Covered is designed to help eligible consumers compare homeowners insurance options from a curated network of 65+ top-rated carriers. The quoting experience is streamlined - your property and loan data is often pre-filled - so you can see your options quickly and make an informed decision without having to repeat information across multiple sites or agents.
Covered has curated a marketplace of over 65 top-rated national and regional insurance carriers. These carriers are specifically selected to ensure broad availability across states, including in hard-to-insure markets where coverage can be difficult to find through standard channels.
While Covered specializes in homeowners insurance tied to mortgage requirements, it is also a full-service insurance agency offering: Homeowners Insurance, Auto Insurance, Flood Insurance, Umbrella Insurance, Renters Insurance, Personal Property and Casualty, Pet Insurance, Boat Insurance, and Life Insurance. For the full range of offerings, contact the Covered team directly at (833) 487-2683.
These are standard homeowners insurance policy types: HO3 (Special Form) is the most common type of homeowners insurance, covering the structure of your home against all risks except those specifically excluded. HO5 (Comprehensive Form) is a broader version of the HO3, covering both the home structure and personal property on an open-perils basis. HO6 (Condo Unit Owners) is designed for condo owners, covering personal property, interior improvements, and liability, but not the building structure itself. Your mortgage lender will typically specify the minimum policy type required. Covered's advisors can help you understand which policy type fits your situation.
Yes. Covered allows you to shop for bundled home and auto policies. Bundling can be an effective way to unlock multi-policy discounts and simplify your insurance management. Ask a Covered advisor about bundling options when shopping for your homeowners coverage.
Covered is built for speed. Because Covered's platform pre-fills your property and loan data into the quoting experience, many borrowers are able to receive quotes and bind coverage in a single session - sometimes in under 15 minutes. For borrowers in complex or hard-to-insure situations, a Covered advisor will work with you to find qualifying coverage as efficiently as possible.
When you access Covered through your lender or servicer's platform, your property and loan data is typically pre-filled into the quoting experience - so you do not have to start from scratch. You may be asked to confirm or supplement a few details, but the process is designed to be fast and simple compared to applying directly with individual carriers.
Yes, and this is one of Covered's most important differentiators. Finding coverage in limited-availability, high-cost, or restricted markets - such as coastal flood zones, wildfire-prone areas, or states where major carriers have pulled back - is one of Covered's core specialties. Covered has dedicated Difficult Market Access through specialized carrier relationships and advisor expertise focused on high-risk and limited-availability areas.
Yes. Unlike generalist insurance agents who sell many types of coverage to many types of customers, Covered's U.S.-based advisors are specifically trained in mortgage-related insurance requirements. They understand lender guidelines, mortgagee clause requirements, Evidence of Insurance standards, and how to navigate difficult markets - so they can help you get the right coverage for your specific loan situation.
No. Covered is offered as a convenient, complimentary tool by your lender or servicer to make finding and managing insurance easier. You are never required to use Covered. You are always free to use your existing insurance agent or carrier, upload proof of your own policy directly to your lender, or shop with a completely different provider. Covered is designed to make the process easier - not to restrict your options.
What it costs to use Covered, what savings are possible, and how escrow increases connect to insurance premiums.
Covered makes it easy to compare your current or existing premium against customized quotes from its marketplace of 65+ carriers - which is one of the most direct ways to identify potential savings. Covered customers have seen an average annual savings of $1,240 on their premiums. Important: Quotes are presented solely for your convenience, and savings are not guaranteed. Savings may vary, and rates are subject to change based upon the specific coverage you select, the carrier, and other factors that apply to your unique property and personal situation. The $1,24- figure is based upon anonymized savings data for dwelling insurance from recent historical periods, excluding bundles and non-homeowner coverages.
Using Covered to shop, compare, and get quotes is free for consumers. Covered earns compensation through the insurance carriers and its partners, not by charging consumers a fee. If you purchase a policy through Covered, you pay the standard insurance premium - there is no additional charge for using the platform.
Covered shoppers see an average savings of $1,240 annually. Savings are not guaranteed, but depending on your financial situation, it may be worth exploring to see if your coverage still works for you and if shopping your policy could potentially help you save money.
Rising insurance premiums are one of the most common causes of increased mortgage payments and "escrow shock." If your loan servicer partners with Covered, we can quickly re-shop your current policy against 65+ carriers to explore whether a more affordable option is available. Even a modest reduction in your annual premium can translate to a meaningful decrease in your monthly mortgage payment through lower escrow contributions. Contact Covered at (833) 487-2683 or ask your servicer how to access Covered's platform to start exploring your options.
Why lenders require insurance, what documents they need, and how Covered keeps closings on track.
Your loan officer recommended Covered because homeowners insurance is a required part of the mortgage process, and insurance problems are one of the most common causes of closing delays. Your loan officer wants to help you: - Find qualifying coverage quickly - Covered's network of 65+ carriers and pre-filled data experience helps borrowers find mortgage-ready insurance faster. - Avoid last-minute surprises - Insurance issues discovered late in the process can push back your closing date or even cause loan fallout. - Eliminate paperwork - Covered automatically delivers your Evidence of Insurance directly to your lender, so your loan officer doesn't have to chase documents and you don't have to play middleman. Your loan officer's referral to Covered is a proactive step to help protect your closing date.
Lenders require homeowners insurance as a condition of approving a mortgage because the property securing the loan needs to be protected. If the home were damaged or destroyed by fire, a storm, or another covered event before it was insured, both you and your lender would face significant financial exposure. Most lenders require proof of insurance - called an Evidence of Insurance (EOI) or Declarations Page - to be delivered before or at closing.
An Evidence of Insurance (EOI) is a standardized document - sometimes also called a binder, declarations page, or ACORD form - that confirms an active insurance policy is in place on a property. It includes key details like: The property address and coverage amounts. The policy effective date and expiration date. The insurance carrier's name and contact information. The lender listed as the mortgagee/loss payee (required so the lender is notified of any cancellation or major change). Lenders need the EOI to verify that minimum coverage requirements are met before they will fund a loan. Covered automates the collection and delivery of EOIs directly into lender systems, removing this manual step from the process.
No. When you bind a policy through Covered - or even upload your own existing policy through the Covered portal - Covered automatically delivers the required documentation directly into your lender's system. You do not need to email documents, fax anything, or manually coordinate between your insurance agent and your loan officer. This automation is one of the most practically valuable things Covered does.
Most lenders want to see proof of insurance at least a few days before closing, though timelines can vary. It is strongly recommended to start the insurance shopping process as early as possible - ideally when your offer is accepted or when you formally begin the mortgage application. Covered's 4-day average completion time means most borrowers can accomplish this quickly, but waiting until the week of closing introduces unnecessary risk.
In some markets - particularly coastal regions, wildfire-prone areas, or states experiencing carrier exits - finding affordable homeowners insurance has become increasingly difficult. If you are struggling to find coverage, this can threaten your ability to close. Covered has dedicated Difficult Market Access through specialized carrier relationships and experienced advisors who focus specifically on high-risk or limited-availability insurance markets. Contact Covered at (833) 487-2683 if you are in this situation - the sooner you reach out, the more options are likely to be available.
No - Covered is specifically designed to prevent delays, not cause them. The platform streamlines insurance shopping and automates document delivery. By introducing insurance into the process earlier and making it easier to complete, Covered helps reduce one of the most common sources of last-minute closing disruptions.
What to do when your servicer sends you information about Covered, how renewals work, and what lender-placed insurance means for you.
If your mortgage servicer sent you information about Covered, it is because your servicer has officially partnered with Covered to help you manage your homeowners insurance more easily. Servicers typically engage Covered for one or more of the following reasons: - Your current policy may be coming up for renewal and your servicer wants to ensure you have continuous coverage. - Your insurance premium has increased and your servicer is proactively offering you a way to explore savings to reduce your escrow payment. - There may be a documentation gap or insurance impairment on your account that needs to be resolved. - Your servicer is providing Covered as a convenient benefit to help you shop for better rates at any time.
"Escrow shock" refers to a sudden, unexpected increase in your monthly mortgage payment caused by a rise in your property taxes or homeowners insurance premium. Because many mortgage servicers collect insurance and tax payments through an escrow account (averaging the costs into your monthly mortgage payment), a sharp increase in your annual premium will cause your servicer to adjust your monthly payment - sometimes significantly. Covered helps address escrow shock by making it easy to shop your insurance renewal against 65+ carriers. Even a moderate reduction in your annual premium can translate to a meaningful decrease in your monthly mortgage payment.
Yes. Covered supports renewal shopping for existing homeowners. If your servicer has deployed Covered, you may be able to access the shopping experience directly from your authenticated servicing portal. You can also contact Covered at (833) 487-2683 to work with a licensed advisor on your renewal options.
Lender-placed insurance - also called force-placed insurance or creditor-placed insurance - is a type of insurance that a mortgage servicer can purchase on your behalf if your regular homeowners insurance policy lapses, is cancelled, or falls below the minimum coverage required by your loan agreement. LPI is almost always significantly more expensive than standard homeowners insurance because it protects the lender's financial interest in the property, not your personal belongings or liability. It also typically provides less coverage than a standard policy. If LPI is placed on your mortgage, your monthly payment will increase, often substantially, because the cost is added to your escrow.
The key steps to avoiding lender-placed insurance are: Maintain continuous homeowners insurance coverage and never let your policy lapse. Ensure your servicer has up-to-date insurance documentation on file, including the correct mortgagee clause listing your lender. Respond promptly to any notices from your servicer requesting insurance documentation. At renewal time, confirm your new policy is in place and that documentation has been sent to your servicer before your old policy expires. Covered can help at every one of these steps - from shopping for a new policy to ensuring documentation is automatically delivered to your servicer.
Yes. If you are currently subject to lender-placed insurance and want to reinstate your own, typically less expensive homeowners policy, Covered can help you find and bind qualifying coverage quickly. Once your own policy is in place and properly documented with your servicer, the LPI should be removed. Contact Covered at (833) 487-2683 for guidance on how to resolve an LPI situation.
How to verify Covered is real, why you may be receiving communications, and what the ratings mean.
Covered is not spam. If you are receiving prompts or emails about Covered, it is because your specific mortgage lender or loan servicer has officially partnered with Covered and integrated its technology into their systems. Covered's technology integrates with trusted marketing and CRM platforms such as Total Expert to deliver timely insurance prompts precisely when they are relevant - such as during a loan application, at a refinance, or approaching a policy renewal. These communications are sent on behalf of your lender or servicer to help you fulfill a legitimate requirement or take advantage of a money-saving opportunity. If you have concerns about a specific communication you received, you can verify by contacting your lender or servicer directly, or calling Covered at (833) 487-2683.
You can verify any communication from Covered by calling the official Covered phone number: (833) 487-2683. Covered's licensed advisors are available Monday through Friday, 6:00 AM to 7:00 PM Mountain Time, and Saturday, 9:00 AM to 6:00 PM Mountain Time. You can also visit itscovered.com directly to learn more about the company and review its Trustpilot profile for independent customer reviews.
A Net Promoter Score (NPS) measures how likely customers are to recommend a company to others. Scores range from -100 to +100, and a score above 50 is generally considered excellent. Covered's NPS is 87, which is an exceptional score reflecting very high levels of customer satisfaction and advocacy.
How Covered integrates into origination workflows, reduces loan fallout, and automates the EOI process.
Covered helps lenders reduce the insurance friction that can disrupt the loan process from application to closing. Key benefits include: Faster closings: Borrowers find qualifying coverage faster through an embedded shopping experience, reducing last-minute delays. Automated EOI collection: Evidence of Insurance is automatically retrieved and pushed directly into the LOS, POS, or CRM - saving loan officers significant administrative time. Difficult market support: Covered's carrier network and specialized advisors help save loans in high-risk markets where borrowers struggle to find coverage. Reduced loan fallout: By addressing insurance issues earlier and more efficiently, Covered helps prevent insurance from becoming a deal-breaking obstacle late in the process. Better borrower experience: A smoother, faster insurance step contributes to overall borrower satisfaction and can differentiate the lender's brand.
Insurance can derail a loan in several ways: a borrower can't find affordable coverage, required documents don't arrive on time, or a coverage issue surfaces in the final days before closing. Covered attacks these risks by: Introducing insurance shopping earlier in the origination process, so it is not a last-minute scramble. Pre-filling borrower and property data to reduce friction in the quoting experience. Providing access to 65+ carriers, including specialists in difficult markets. Automating EOI delivery so lenders receive documentation quickly and correctly. Giving loan teams a scalable process for managing insurance issues rather than relying on individual follow-up.
When a borrower finds and binds a policy through Covered, or uploads an existing policy to the Covered platform, the system automatically captures the required documentation and delivers it directly into the lender's LOS, POS, or CRM. This eliminates the need for loan officers to manually request documents, chase borrowers, or coordinate between the borrower's insurance agent and the lending team. The result is a significant reduction in administrative time and a faster, more reliable insurance documentation process.
Yes. This is one of Covered's most critical capabilities for lenders. When a borrower cannot find homeowners insurance in a high-risk market - coastal areas, wildfire zones, states with limited carrier availability - the entire loan can be at risk. Covered maintains dedicated carrier partnerships with specialists in exactly these scenarios. Covered's mortgage-trained advisors have the expertise to navigate difficult markets and find solutions when other paths are closed. This can be the difference between closing a loan and losing it.
Covered offers turnkey, pre-built integrations with the industry's leading mortgage technology platforms: Blend POS: An embedded insurance task at application with automatic EOI delivery back to Blend. Total Expert CRM: Insurance shopping triggered directly from turnkey email journeys, allowing loan officers to introduce insurance to borrowers at the right time. Blue Sage Solutions: Streamlined insurance steps embedded across both the LION POS and LOS. Custom / White-Label: Co-branded white-label link-outs and a "Lender Kit" with turnkey UX components and real-time APIs for proprietary or custom-built systems.
Yes. Covered has a pre-built integration with Blend's point-of-sale platform. The integration delivers an embedded insurance shopping task directly within the Blend loan application experience. When a borrower completes their insurance through Covered, the Evidence of Insurance is automatically delivered back into Blend - without the borrower or loan officer having to do anything additional.
Yes. Covered integrates with Total Expert, one of the leading CRM platforms for mortgage professionals. The integration enables loan officers to trigger insurance shopping directly from their Total Expert email journeys, ensuring borrowers receive timely, relevant prompts to complete their insurance at the right point in the loan lifecycle.
Yes. For lenders and servicers with proprietary platforms or specific branding requirements, Covered offers: - Co-branded white-label link-outs that maintain your institution's visual identity. - A "Lender Kit" with turnkey UX components designed for easy integration. - Real-time APIs for proprietary systems that allow deeper integration without requiring borrowers to leave your digital ecosystem.
Covered is designed for fast deployment without a heavy IT lift. Pre-built integrations with platforms like Blend, Total Expert, and Blue Sage are turnkey, meaning they can often be activated relatively quickly compared to a custom build. The specific timeline will depend on your technology stack, configuration requirements, and the depth of integration chosen. Covered's partnership team works directly with institutions to ensure a smooth and efficient implementation process.
Yes. Covered's platform is built on a foundation of RESPA-aligned "borrower choice." Covered operates as a compliant financial service marketplace consistent with CFPB guidance for settlement service providers. Borrowers are never required to use Covered, and the platform is specifically designed so that lenders can offer Covered without creating a RESPA-prohibited arrangement. Covered's team can provide detailed compliance documentation to support your institution's legal and compliance review.
How Covered helps servicers reduce LPI, manage portfolio risk, and deliver a better borrower experience inside their existing platforms.
Covered allows servicers to transform insurance - historically an area of operational risk and borrower friction - into a proactive asset. Key capabilities include: LPI Reduction: Proactive portfolio monitoring identifies policies at risk of lapsing and enables servicers to reach borrowers before force-placement occurs. Escrow Deflection: Covered continuously monitors portfolios for overpriced or outdated policies and proactively helps borrowers re-shop, reducing escrow shortages and borrower payment shock. GSE Compliance Support: Automated policy documentation capture and synchronization back into servicing and monitoring systems supports higher data auditability and simplifies GSE compliance audits. White-Labeled Borrower Experience: A branded insurance dashboard lives inside the authenticated servicing portal, so borrowers can view their policy, understand any coverage impairments, and take action without leaving the servicer's ecosystem. Operational Efficiency: Reduced call volume, fewer manual document requests, and streamlined insurance-related workflows lower the cost of servicing insurance-related exceptions.
LPI is costly for servicers, creates significant borrower dissatisfaction, and carries regulatory scrutiny. Covered addresses LPI risk at multiple points: - Proactive identification: Covered continuously monitors portfolio insurance data to identify policies that are lapsing, overpriced, or otherwise at risk. - Borrower outreach: At-risk borrowers are proactively offered a path to re-shop or reinstate their own coverage through the embedded Covered experience before force-placement becomes necessary. - Easy reinstatement: If LPI has already been placed, Covered provides a fast, easy path for borrowers to obtain their own qualifying policy and remove the force-placed coverage.
Covered's infrastructure automatically captures and synchronizes insurance policy documentation back into servicing and monitoring systems. This ensures that policy records are accurate, current, and audit-ready. The result is improved data integrity for GSE reporting, fewer documentation exceptions, and a simpler audit process for compliance and operations teams.
Yes. Covered has a native integration with ICE Servicing Digital. Covered's modules live inside the borrower's authenticated ICE dashboard, enabling seamless renewal shopping, escrow deflection, and insurance management without requiring borrowers to navigate to a separate platform. This creates a unified, branded experience that improves engagement and resolution rates.
Yes. Covered's servicing solution is specifically designed to be white-labeled and embedded within your institution's branded portal. Borrowers see a seamless, cohesive experience that reflects your brand, not Covered's - which improves borrower trust, engagement, and resolution rates compared to sending borrowers to an external site.
Covered is trusted by some of the largest residential mortgage origination and servicing companies in the United States. Specific client names are subject to confidentiality agreements, but Covered's partnership team can provide relevant case studies and reference information as part of a formal evaluation process. Contact Covered's business development team at this link itscovered.com/get-a-demo
SOC 2 certification, RESPA, GLBA, TCPA, CCPA - what these mean and how Covered addresses each one.
SOC 2 Type II is an independent, third-party security audit conducted by a certified public accounting firm. It assesses whether a company's systems and controls reliably protect the security, availability, processing integrity, confidentiality, and privacy of customer data over an extended period (typically 6-12 months). A SOC 2 Type II certification - as opposed to the less rigorous Type I - confirms that the controls were not just designed properly but were operating effectively over time. For financial institutions evaluating Covered as a technology partner, SOC 2 Type II certification is a critical baseline for enterprise vendor due diligence.
RESPA (Real Estate Settlement Procedures Act) prohibits kickbacks and unearned fees in connection with federally related mortgage loans. Covered's platform is built on a "borrower choice" foundation - borrowers are never required to use Covered, and no referral arrangement exists that would violate RESPA's anti-kickback provisions. Covered operates as a CFPB-aligned compliant settlement service marketplace. Covered's legal and compliance team can provide full RESPA compliance documentation upon request.
The Gramm-Leach-Bliley Act (GLBA) requires financial institutions to protect the privacy and security of consumers' personal financial information. Because Covered handles data that originates from mortgage lenders and servicers - including property, loan, and borrower data - GLBA compliance is a core requirement. Covered's data handling, security controls, and privacy practices are designed to comply with GLBA requirements, which is reinforced by its SOC 2 Type II certification.
Covered's platform includes built-in marketing controls and consent management infrastructure. Communications to borrowers are managed through a compliant framework that addresses: - TCPA (Telephone Consumer Protection Act): Governing consent requirements for calls, texts, and automated messages. - CCPA (California Consumer Privacy Act): Governing data rights for California residents, including the right to know, delete, and opt out of data sales. Covered's integration with platforms like Total Expert also allows lenders and servicers to control communication preferences and consent management within their own compliant CRM environments.
Yes. Covered's embedded insurance marketplace and Servicing Resolution Flows are designed in direct alignment with CFPB guidance for settlement service providers. This means lenders and servicers that offer Covered to their borrowers can do so within a compliance framework that has been thoughtfully constructed to protect both the institution and the consumer.
How to reach a licensed advisor, Covered's hours of operation, and what to do if you have a complaint or need to escalate.
You can reach Covered's licensed, U.S.-based insurance advisors by: - Phone: (833) 487-2683 - Web: itscovered.com Covered's advisors provide concierge-level, step-by-step guidance and specialize in mortgage-related insurance requirements. Whether you are shopping for new coverage, renewing a policy, or navigating a difficult insurance market, a licensed advisor can help.
If you have a concern or complaint about a policy, a transaction, or your experience with Covered, start by calling (833) 487-2683 and asking to speak with a supervisor or escalation specialist. Covered's customer experience team is committed to resolving issues promptly and professionally. As a licensed insurance agency, Covered is also subject to regulatory oversight by state insurance departments in all 50 states. If you believe a regulatory violation has occurred, you have the right to file a complaint with your state's Department of Insurance.
Even if your lender or servicer has not partnered with Covered, you can still access Covered's insurance shopping capabilities directly. Call (833) 487-2683 to speak with a licensed advisor or visit itscovered.com to explore your options. Covered's advisors can help any homeowner or homebuyer find qualifying coverage across its 65+ carrier network.
Covered's technology is primarily delivered through integration with your lender's or servicer's existing digital platforms - meaning you may access the Covered experience through your existing mortgage portal, mobile app, or email. For questions about mobile access or direct platform access, contact Covered at (833) 487-2683 or visit itscovered.com for the latest information.
Call a U.S.-based licensed advisor directly. No bots, no forms — just a real person who knows mortgage insurance.
Mon–Fri 6 AM – 7 PM MT | Sat 9 AM – 6 PM MT | itscovered.com
Hours of Operation
Monday to Friday
6 AM to 7 PM MT
Saturday
9 AM to 6 PM MT
Sunday
Closed
Call Us
833-487-2683
.svg)
.svg)
“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.”