Covered Insurance Solutions vs HomeLight

What the rubric says

Covered Insurance Solutions and HomeLight are both scored in Lead Gen & Retention. Covered Insurance Solutions carries an overall of 4, HomeLight an overall of 3.6. The widest gap between them is Integrations and ecosystem, at 1.3 of a point. That axis measures how well it reaches the rest of the stack. Covered Insurance Solutions takes it, 4.1 to 2.8.

Where the five axes separate

On Integrations and ecosystem the record favours Covered Insurance Solutions, 4.1 against 2.8. On Functionality and depth the record favours Covered Insurance Solutions, 4 against 3.3. On Return on spend the record favours Covered Insurance Solutions, 4 against 3.8. On Production impact the record favours Covered Insurance Solutions, 3.9 against 3.8. On Adoption and support the record favours Covered Insurance Solutions, 3.9 against 3.8.

Pricing posture

Covered Insurance Solutions does not publish pricing. Its listed model is agency revenue share, no published fees. HomeLight does not publish pricing. Its listed model is no lender fee for registration or pre-qualification, borrower-side economics not published.

Deployment and who each one targets

Deployment for Covered Insurance Solutions: Cloud, embedded in POS and servicing portals via API. Deployment for HomeLight: Web portal, lender registers and submits clients manually. Segment focus for Covered Insurance Solutions: Lenders and servicers capturing homeowners insurance revenue and protecting escrow. Segment focus for HomeLight: Retail loan officers with move-up buyers blocked by a contingent sale. The two entries name different buyers.

What each record credits

Covered Insurance Solutions: Names integration points concretely: Blend, Blue Sage’s LION POS, Total Expert, ICE Servicing Digital. Covered Insurance Solutions: More than 80 carriers in all 50 states, homeowners forms through flood. Covered Insurance Solutions: Labels its own dashboard figures illustrative instead of passing them off as results. HomeLight: Removes the sale contingency and pulls the old payment out of DTI. HomeLight: Publishes real scale: $884 million-plus unlocked, 22,000 loan officers enrolled. HomeLight: Free to register and pre-qualify, with a stated 24 hour turnaround.

What each record holds against them

Covered Insurance Solutions: Encompass is absent from the partner list, closing off the largest origination base. Covered Insurance Solutions: No customer outcome data published, and the vendor says so itself. Covered Insurance Solutions: Ownership and funding are undisclosed, and so is the lender’s revenue split. HomeLight: A program you enroll in and submit to, not licensable software. HomeLight: HomeLight originates loans under NMLS 1529229, competing for the same borrower. HomeLight: Submission and status checks are manual, with no lender-side integration published.

Which one fits which shop

Best fit for Covered Insurance Solutions: Servicers and lenders already running Blend, Blue Sage or ICE Servicing Digital. Best fit for HomeLight: Purchase-focused originators losing move-up borrowers on debt-to-income or contingency.

What each entry concludes

Covered Insurance Solutions: Covered is a digital insurance agency built for mortgage companies, not a standalone tool. Covered Insurance Solutions: It embeds homeowners insurance shopping in the origination flow and the servicing portal. HomeLight: HomeLight’s lender product is Buy Before You Sell, a bridge program that removes the sale contingency. HomeLight: It unlocks up to 90% of CLTV at 0% interest, with free pre-qualification and a stated 24 hour.

The short answer

Covered Insurance Solutions finishes ahead on the published rubric, 4 to 3.6. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.