An embedded insurance partner of ICE Servicing Digital. Covered is a specialty insurance solutions provider for the mortgage industry, available as a turnkey feature inside ICE MSP. Pairing deep industry expertise with purpose-built insurance technology, we enable servicers to monetize insurance, build a compounding asset, and gain a new layer of control over insurance operations.
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Traditional insurance monitoring is entirely reactive, leading to disjointed borrower experiences and escalating operational costs. Covered was built from the inside out to solve the most painful challenges in servicing:
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Use insurance savings, education, and resolution as a lever to lower borrower costs - improving affordability, reducing default risk, and driving long-term retention.
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Proactively catch impairments and guide borrowers to self-serve resolutions before costly force-placed insurance is required.
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Automatically and neatly store relevant insurance records, making the headache of GSE audits at least 10% simpler.
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Continuously scan your portfolio for outdated or overpriced insurance policies that inflate escrow balances. Use these insurance savings as a lever to lower borrower costs, deflect escrow shock, and reduce default risk.
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If a borrower calls your support center with a complex insurance issue, your servicing representatives can execute a "warm transfer”, instantly routing the customer to Covered's in-house, licensed insurance advisors for concierge service. This reduces friction and keeps your operational call times low.
Covered Servicing is a mortgage-native insurance solution purpose-built for mortgage servicers. It gives borrowers visibility, control, and resolution around their homeowners insurance directly inside the servicing experience.
It consists of six core pillars:
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1. Covered Servicing Core (Unified Borrower Dashboard)
Replaces fragmented letters, calls, and portals with a single, white-labeled system of record. Borrowers access Covered through your existing web portal or mobile app with no new logins. We aggregate active policy data, mortgagee info, and impairment signals into a clear, real-time status view.
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2. Smart Insurance Resolution Flows
If an insurance issue is flagged (e.g., coverage inadequacy, missing mortgagee clause), borrowers are routed into a structured, RESPA-aligned resolution path. Borrowers can fix the issue with their current carrier, upload updated proof, or shop for new coverage. Borrower choice is preserved at every step.
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3. Embedded Insurance Marketplace
When a borrower needs new coverage, our marketplace activates, allowing them to instantly compare quotes from 65+ top-rated carriers. Quotes are pre-filled using existing servicing and property data to ensure coverage aligns with escrow requirements. Once bound, the updated policy automatically syncs back into your servicing and monitoring systems, eliminating manual reconciliation.
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4. Servicing-Grade Compliance & Infrastructure
Covered handles the heavy lifting so you don't have to build an insurance agency. We are a 50-state licensed agency, SOC 2 Type II certified, and aligned with CFPB, GLBA, and RESPA guidelines.
5. Dedicated Difficult Market Access:
As insurance markets harden, borrowers struggle to find coverage. We curate a network of 65+ top-rated national and regional carriers specifically chosen for mortgage workflows, giving your borrowers access to coverage even in complex, high-risk scenarios.
6. Beyond Homeowners Insurance:
Covered transforms your platform into a comprehensive financial wellness hub. We offer a full suite of products spanning the borrower's needs, including flood, auto, renter, pet, and bundling options.
Covered offers a comprehensive suite of insurance products for your mortgage customers, not just homeowner’s insurance. We offer insurance products that span the full range of borrower needs, including: flood, auto, renter, pet, bundling, and so much more.
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Covered is the digital insurance agency designed to solve the unique pain points that mortgage institutions deal with regarding insurance.
Covered is designed to help mortgage enterprises optimize insurance outcomes across the entire mortgage lifecycle—from origination to refinance to servicing.
With access to 65+ top-rated carriers across all 50 states, we can help your customers secure the right coverage at the right price—even in complex risk scenarios. Our licensed, U.S.-based agents specialize in homeowner and mortgage-driven needs.
Our API-first platform integrates seamlessly with leading mortgage technologies and comes ready with intuitive UX patterns, real-time data insights, and turnkey workflows.
We know how important control is to Servicing Operations. With Covered, the lines of responsibility are clear:
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The licensed agency, carrier relationships, 50-state compliance, marketplace logic, and insurance operations.
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The borrower relationship, the branding, the policy economics, and exactly when and where insurance appears in your servicing workflows.
Trusted by Industry Leaders: 3 of the top 10 residential mortgage servicing companies use Covered.
Pre-Built Integrations: Ready to deploy with ICE Servicing Digital, Blend, Blue Sage Solutions, and Total Expert.
Borrower Impact: Borrowers who work with Covered save an average of $838 annually, driving an exceptional NPS score of 87 and a 4.7 Trustpilot score.
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Not all carrier networks are created equal. We've curated a list of 65+ top-rated national and regional carriers specifically chosen for mortgage workflows—helping your borrowers find coverage, even in complex risk scenarios.
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Average annual customer savings
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NPS Score From Borrowers
*Based upon anonymized savings data for dwelling insurance from 7/31/2023 - 6/30/2024 **NPS® calculation averages post-purchase customer satisfaction surveys from 9/24/2024 - 2/28/2025.
Fill out the form below to request a personal demo with Covered.
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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
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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.”