# Covered > Official Covered business agent. Covered is a digital insurance agency and embedded insurance marketplace that helps mortgage lenders, servicers, and their… ## Ask it a question Covered answers for itself at https://api.hailera.com/mcp/itscovered. A client that speaks MCP can connect to that address; the tool is ask_itscovered and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## About Covered Overview of Covered Covered is a digital insurance agency and embedded insurance marketplace built for the mortgage industry. We combine licensed, U.S.-based insurance advisors with an API-first technology platform to help mortgage institutions and their borrowers secure and maintain the insurance coverage needed for homeownership. Who Covered serves - Independent mortgage banks - Credit unions - Banks - Pure mortgage servicers - Mortgage technology partners (LOS, POS, CRM platforms) - Individual borrowers whose mortgage company has partnered with Covered Geographic coverage - Covered works with 80+ top-rated national and regional carriers. - Insurance solutions are available in all 50 U.S. states, subject to carrier underwriting and state regulation. Core value proposition - Insurance experiences designed specifically for mortgage workflows (origination, refinance, and servicing). - Integrated, embedded insurance journeys inside leading mortgage technology platforms. - Human advisors plus technology: borrowers can compare quotes online and then finalize coverage with a short call to a licensed advisor. - Ongoing monitoring and re-shopping at renewal to help borrowers stay appropriately covered and avoid overpaying. Key stakeholders and outcomes For mortgage institutions: - Streamlined insurance collection and documentation to support on-time closings. - Reduced servicing friction from escrow "shock" and insurance-related call volume. - Portfolio-level insights and risk monitoring to help avoid lender-placed insurance and identify savings opportunities. For borrowers: - Multiple quote options from trusted carriers, including support in hard-to-insure markets. - Guidance from licensed advisors focused on homeowners insurance and mortgage requirements. - Help avoiding coverage gaps and surprise changes at renewal. Source: https://itscovered.com ## Where Covered works Lists Coventry as a location. Areas beyond these are not published. ## Prices Covered supports borrowers whose mortgage company has chosen Covered as an insurance partner. How Covered works for borrowers - Explore options online - Borrowers answer a short set of questions online. - Covered displays personalized quotes from its network of top-rated national and regional carriers (subject to carrier availability and underwriting). - Decide with a quick call - Borrowers finalize coverage through a brief phone call with a licensed, U.S.-based Covered advisor. - Advisors focus on homeowners insurance connected to mortgages and help confirm that the selected policy meets lender requirements and supports an on-time closing or escrow process. - Stay covered over time - Covered monitors policies and, as renewal approaches, proactively reviews pricing and coverage options. - About 35–60 days before renewal (timing can vary), Covered reviews the existing policy and can re-shop coverage when appropriate to help keep rates competitive and maintain suitable coverage, subject to carrier offerings. Why borrowers may see Covered - A mortgage lender, credit union, bank, or servicer has partnered with Covered to offer insurance support during home purchase, refinance, or ongoing servicing. - Covered's goal is to help borrowers get the appropriate coverage for their mortgage, avoid last-minute issues at closing, and stay protected over time. Support before and after closing Covered advisors can assist with topics such as: - Understanding general homeowners insurance concepts like dwelling coverage (Coverage A), other structures, personal property, loss of use, and personal liability (policy-specific). - Reviewing how renovations, upgrades, additions (such as pools or outdoor structures), or newly acquired valuables might affect coverage needs. - Discussing potential benefits and limitations of bundling policies (for example, home and auto) when carriers offer those options. - Helping identify when a change in occupancy or use (for example, renting out part of a home) might require a different type of policy, subject to carrier rules. Borrowers should always review their own policy documents for the exact terms, limits, exclusions, and conditions that apply to their coverage. Data privacy and security for borrowers As described on the website: - Covered states that it is not in the business of selling customer data. - Covered indicates it will not share a borrower's phone number with third-party affiliates or marketing partners for marketing or promotional purposes without consent. - Internal controls and policies are SOC 2 Type II certified. Specific privacy practices are detailed in Covered's Privacy Policy on its website, which borrowers should review for full information. Source: https://itscovered.com ## Hours and contact Main contact channels - Main phone number: 833-487-2683 (Borrowers and partners can call this number to reach Covered's team; routing may vary by need.) - Email for new corporate partnerships: partnerships@itscovered.com - Email for lenders or loan officers seeking policy documents for a customer: policyprocessing@itscovered.com - Website: https://itscovered.com Hours of operation (phone support) As stated on the website (Mountain Time): - Monday – Friday: 6:00 AM – 7:00 PM MT - Saturday: 8:00 AM – 5:00 PM MT - Sunday: Closed Hours are subject to change; callers should refer to the website or phone prompts for the most current schedule. Mailing address / office location - Address: 1391 Speer Blvd, Suite 850 Denver, Colorado 80204 United States This address is listed on the website as a Covered office location. When to use each contact - Partnerships / demos / enterprise solutions: Use partnerships@itscovered.com or the "Request a Demo" / contact forms on the website. - Lenders / loan officers needing policy documents: Use policyprocessing@itscovered.com or call the main phone number. - Borrowers with questions about quotes, coverage, or renewals: Use the main phone number (833-487-2683) or the contact options provided in borrower-facing communications. Source: https://itscovered.com ## Insurance products and coverage types offered by Covered Insurance products and coverage types Covered focuses on homeowners insurance connected to mortgages and offers access to a range of personal insurance products through its carrier network. Availability and eligibility depend on carrier underwriting, state regulations, and individual circumstances. Primary focus: homeowners insurance Covered specializes in homeowners insurance aligned with mortgage requirements for: - Home purchase - Mortgage refinance - Ongoing mortgage servicing Typical homeowners policy elements can include (carrier- and policy-specific): - Dwelling coverage (Coverage A) for the physical structure of the home (foundation, frame, walls, roof, and built-in components such as cabinets, permanent HVAC units, furnaces, and water heaters) when damaged by covered perils. - Other structures coverage for qualifying structures not attached to the main dwelling when included in the policy. - Personal property coverage for household belongings, subject to policy limits and sublimits. - Loss of use / Additional Living Expenses (ALE) when a covered loss makes a home temporarily uninhabitable, subject to policy terms. - Personal liability coverage, including higher limits or umbrella options where appropriate. Policy specifics, covered perils, exclusions, limits, and deductibles are determined by each carrier and the selected policy; customers should always review their own policy documents. Additional insurance product categories Through its marketplace of 80+ national and regional carriers, Covered can help eligible customers explore options for: - Homeowners insurance (primary focus) - Flood insurance (where available) - Auto insurance - Renters insurance - Pet insurance - Umbrella and related liability coverage - Bundling options (for example, home and auto) when offered by a carrier Exact product availability, carrier participation, and bundling options vary by state, carrier, and risk profile. Hard-to-insure and complex risk scenarios - Covered works with a broad network of carriers across all 50 states to help find options in markets where insurance may be harder to obtain. - Even in complex or changing risk scenarios, Covered aims to help borrowers identify available coverage options that meet lender requirements, subject to carrier underwriting. Important notes - Quotes, coverage offers, and policy terms are provided by the underlying carriers, not by Covered itself. - Savings, premiums, and coverage eligibility depend on individual circumstances and carrier rules; they are not guaranteed. - For specific questions about what is or is not covered under a given policy, borrowers should review their policy documents or speak with a licensed Covered advisor. Source: https://itscovered.com ## Solutions for mortgage institutions and technology partners Covered provides embedded insurance solutions tailored to mortgage enterprises across the full loan lifecycle: origination, refinance, and servicing. Mortgage origination and refinance Covered helps lenders and loan officers: - Streamline closings with actionable homeowners insurance quotes integrated into the mortgage workflow. - Automate insurance collection and documentation to reduce last-minute delays. - Improve loan officer confidence by giving them access to insurance specialists who understand lender requirements. Typical origination and refi benefits include: - Digital quote experiences for borrowers, embedded in LOS, POS, or CRM platforms. - Support for getting lender-ready evidence of insurance to the right party on time. - Opportunities to reduce borrower debt-to-income (DTI) through certain bundling options where available (for example, home and auto), subject to carrier offerings. Mortgage servicing Covered supports mortgage servicers by: - Monitoring for potential overpayment risk across a book of business. - Identifying opportunities to re-shop insurance to help maintain appropriate coverage and manage escrow changes. - Helping borrowers simplify renewal shopping, potentially reducing inbound call volume related to insurance and escrow. - Supporting efforts to avoid or reduce reliance on lender-placed insurance where possible, subject to carrier availability and borrower participation. Technology integrations Covered offers an API-first platform and pre-built integrations with leading mortgage technologies, including (as described on the site): - Blend POS - Blue Sage Solutions - ICE Servicing Digital - Total Expert The platform provides: - Turnkey UX components and widgets that can be embedded in LOS, POS, or CRM systems. - Real-time quoting APIs (subject to carrier connectivity and configuration). - Workflows designed to fit into existing mortgage processes. Implementation details, timelines, and integration scope are customized by lender and technology stack. Lenders should contact Covered directly to discuss technical requirements. Compliance and security considerations Covered's services are built with mortgage and insurance compliance in mind. As described on the website: - Internal controls and policies are SOC 2 Type II certified. - Services are designed to address applicable state and federal regulations such as GLBA and RESPA. - Covered aligns with CFPB guidance as it relates to settlement service providers and financial service marketplaces. Institutions should perform their own compliance, legal, and security reviews; Covered does not provide legal advice. Source: https://itscovered.com ## What Covered has not published yet These are things people ask Covered that its published information does not yet cover. - prices - premiums or savings amounts - coverage availability or underwriting decisions - guaranteed approval or specific outcomes - legal or regulatory advice - specific claim outcomes or payout amounts - service response times or SLAs Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from https://itscovered.com