Covered Insurance Solutions vs Own Up

What the rubric says

Covered Insurance Solutions and Own Up are both scored in Lead Gen & Retention. Covered Insurance Solutions carries an overall of 4, Own Up an overall of 2.2. The widest gap between them is Integrations and ecosystem, at 2.5 of a point. That axis measures how well it reaches the rest of the stack. Covered Insurance Solutions takes it, 4.1 to 1.6.

Where the five axes separate

On Integrations and ecosystem the record favours Covered Insurance Solutions, 4.1 against 1.6. On Functionality and depth the record favours Covered Insurance Solutions, 4 against 2.1. On Return on spend the record favours Covered Insurance Solutions, 4 against 2.3. On Production impact the record favours Covered Insurance Solutions, 3.9 against 2.3. On Adoption and support the record favours Covered Insurance Solutions, 3.9 against 2.6.

Pricing posture

Covered Insurance Solutions does not publish pricing. Its listed model is agency revenue share, no published fees. Own Up does not publish pricing. Its listed model is advertising and referral compensation paid by lenders, no published rate card.

Deployment and who each one targets

Deployment for Covered Insurance Solutions: Cloud, embedded in POS and servicing portals via API. Deployment for Own Up: Cloud marketplace, nothing installed on the lender side. Segment focus for Covered Insurance Solutions: Lenders and servicers capturing homeowners insurance revenue and protecting escrow. Segment focus for Own Up: Lenders wanting rate shoppers who have already been screened and coached by a human advisor. 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. Own Up: Advisors work the borrower first, so you get an informed, better-qualified contact. Own Up: The site plainly states its legal entity, NMLS number, compensation model and panel. Own Up: Publishes its lender panel, from Rocket Mortgage to NBKC, so you see the competition.

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. Own Up: No published pricing or partner terms of any kind. Own Up: Borrower-aligned by design, so its incentive is finding a cheaper offer than yours. Own Up: Smaller consumer reach than big comparison sites, so volume potential is limited.

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 Own Up: A lender that competes on price and wants borrowers who arrive already understanding the offer.

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. Own Up: Own Up operates as RateGravity Inc. Own Up: under NMLS #1450805, sitting between the borrower and a lender panel.

The short answer

Covered Insurance Solutions finishes ahead on the published rubric, 4 to 2.2. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.