CoverTree
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
CoverTree positions itself as a specialty personal lines/manufactured housing program administrator for the U.S. market, acting as agent for Markel American Insurance Company. Published agent-facing guidance emphasizes fast online quote/issue/bind capability and a broad specialty-residential appetite rather than a detailed public underwriting manual. Preferred business includes manufactured and modular homes as the core book, plus harder-to-place specialty homes such as ADUs, park models, tiny homes, and stationary travel trailers. Occupancy appetite explicitly includes owner-occupied as well as landlord/tenant, vacant, and seasonal manufactured homes. Public consumer-facing materials also indicate available limits up to $500,000 in home value, personal property, and other structures. CoverTree highlights a broad endorsement menu and availability of flood coverage. Restricted/declined classes are not specifically listed on the public agent pages reviewed; underwriting remains subject to insurer criteria, review, and approval, and products/discounts are not available in all states. Geographic notes are limited publicly: availability varies by state, and CoverTree notes that in California it operates as MHTree Insurance Services (CA license #6009070). No public state-by-state appetite matrix or explicit prohibited classes was verified on the official pages reviewed. Submission/appointment guidance: agents can seek appointment through the For Agents / Independent Agents pages; CoverTree states it will connect applicants with its team to finalize appointment. For wholesaler onboarding, the system reportedly auto-creates an Agent Portal account with role-based access; for direct appointments, submissions are routed to CoverTree for internal review and approval, including E&O review if applicable, before portal access is created. Current agents can access the portal online. Producer FAQ content indicates CoverTree collects producer, agency, and operating details as part of onboarding. Broker/producer notes: CoverTree markets online quote/issue/bind in under 4 minutes, claims filing in about 3 minutes, and support contacts for service, sales, and underwriting. Agent support contacts published include agentservice@covertree.com, agentsales@covertree.com, and underwriting@covertree.com, with business hours Monday-Friday 8am-7pm ET. Overall, the verified public appetite is strongest for manufactured housing and adjacent specialty residential risks, especially where occupancy or property type falls outside standard admitted personal-lines appetites.