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
Program administrator for a manufactured home–focused property program underwritten by Markel American Insurance Company. Policies are subject to Markel’s underwriting criteria; coverage availability and terms vary by state.([covertree.com](https://www.covertree.com/)) PREFERRED / TARGET RISKS - Residential factory-built housing including manufactured homes, mobile homes, modular units, ADUs, park models, tiny homes, and stationary travel trailers.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/covertree/)) - Occupancy types: owner-occupied primary, seasonal/secondary, landlord/tenant, and certain vacant units are eligible; landlord programs aimed at investors with rental units.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/covertree/)) - Personal lines coverages typical of HO-style forms: dwelling, personal property, other structures, personal liability, medical payments, and loss of use/additional living expense.([covertree.com](https://www.covertree.com/)) - Replacement cost is available on homes 30 years or newer, subject to underwriting, with no stated age cap for actual cash value (ACV) coverage. This makes newer, well-maintained units strong targets.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/covertree/)) RESTRICTED / DECLINED (IMPLIED) - Risks not fitting factory-built or similar small dwelling categories (e.g., traditional site-built homes outside program parameters) are not the primary appetite and may be declined or redirected to other products.([covertree.com](https://www.covertree.com/)) - Coverage, discounts, and forms are not available to all persons in all states; some states or specific exposures may be restricted or unavailable under Markel’s criteria.([covertree.com](https://www.covertree.com/)) - In North Carolina, certain policies may be written as surplus lines through Markel Evanston, with non‑admitted conditions and no guaranty fund protection, making high-risk or nonstandard segments more tightly underwritten.([covertree.com](https://www.covertree.com/)) GEOGRAPHIC NOTES - First Connect currently lists CoverTree as available in 16 states: AL, AR, AZ, GA, IL, IN, KS, KY, MI, MS, NM, OH, OK, SC, TN, and TX.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/covertree/)) - Coverage availability and specific product features vary by state; North Carolina is called out for surplus lines handling for some policies.([covertree.com](https://www.covertree.com/)) SUBMISSION & PROCESS EXPECTATIONS - Distribution to many independent agents is through First Connect. Agents must obtain access via First Connect to quote and bind.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/covertree/)) - Quote/issue/bind is positioned as fully online, with the carrier marketing "quote/issue/bind policies all online, in less than 4 minutes" for eligible risks.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/covertree/)) - For direct or non‑First‑Connect relationships, CoverTree offers online consumer quoting via address entry, with a phone triage path for certain states; all policies remain subject to Markel’s underwriting review and approval.([covertree.com](https://www.covertree.com/)) - All decisions on approval, premiums, commissions, and fees are ultimately made by the underwriting insurer (Markel) under its then‑current criteria, not by CoverTree.([covertree.com](https://www.covertree.com/)) BROKER / PRODUCER NOTES - CoverTree acts as program administrator and agent of Markel, earning compensation based on premium; producers should treat Markel as the underlying carrier of record for financial strength (A‑rated by AM Best per First Connect).([covertree.com](https://www.covertree.com/)) - Independent agents wanting access should use the First Connect portal "Get Covertree"/"Get Started" workflow; First Connect positions CoverTree as an insurtech partner for manufactured and mobile home placements.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/covertree/)) - Policies, terms, conditions, and exclusions are governed strictly by the issued Markel policy forms; site marketing language does not alter coverage. Brokers should rely on specimen or issued policies for definitive coverage details.([covertree.com](https://www.covertree.com/)) Operationally, treat CoverTree as a tech‑enabled MGA/program for manufactured and similar homes, targeting a broad mix of occupancies and ages (with RC focus on homes ≤30 years), available in a defined but expanding state footprint and always subject to Markel’s property underwriting standards and state‑specific rules.