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 OVERVIEW / MARKETS • CoverTree is a program administrator placing manufactured home–focused personal lines property business, primarily under Markel American Insurance Company paper. • Distributed via CoverTree’s own agent portal and through distributor platforms such as First Connect; also offers a Maple/BRL solution for manufactured housing (MH) community operators. PREFERRED / TARGET RISKS • Manufactured and mobile homes, ADUs, park models, tiny homes, and stationary travel trailers used as residential dwellings. • Owner-occupied, tenant-occupied/landlord, seasonal, and vacant MH/mobile home risks are all acceptable subject to carrier guidelines. • Homes 30 years old or newer are eligible for Replacement Cost coverage (RC) when other underwriting criteria are met; older units typically written on ACV. • Risks in established MH communities or parks and portfolios where community operators use CoverTree’s Maple/BRL program for resident compliance tracking. • U.S.-domiciled insureds in currently active states; First Connect lists availability (as of its last update) in AL, AR, AZ, GA, IL, IN, KS, KY, MI, MS, NM, OH, OK, SC, TN, and TX. RESTRICTED / DECLINED CLASSES (INFERRED) • Non-residential or commercial-only structures that are not part of an MH residential exposure are outside the core appetite. • Non-stationary travel trailers/RVs in motion or used primarily as auto/vehicle risks are not the focus; CoverTree highlights *stationary* travel trailers. • Coverage is subject to Markel’s then-current MH guidelines; standard declines would be expected for severe prior losses, non-insurable locations, or homes not meeting minimum condition or tie-down/anchoring requirements (specific rule sets not published publicly and must be confirmed with underwriting). GEOGRAPHIC NOTES • Program is not nationwide. Distribution partner First Connect currently shows availability in 16 states (AL, AR, AZ, GA, IL, IN, KS, KY, MI, MS, NM, OH, OK, SC, TN, TX). Agents must confirm current active state list inside the CoverTree or distributor portal, as expansion is ongoing and state availability is explicitly noted as varying by product and date. • Products and discounts are not available to all persons in all states; all decisions on availability, pricing, and terms are made by the underwriting carrier (Markel). KEY COVERAGES / STRUCTURE • Standard homeowners-style package for MH/mobile home risks including: dwelling, personal property, personal liability, medical payments to others, loss of use/additional living expense, and other structures (e.g., fences), subject to policy form. • Policy terms, conditions, limitations, and exclusions are governed by the Markel policy; website descriptions are summaries only and do not amend policy language. SUBMISSION & WORKFLOW EXPECTATIONS • Quote/issue/bind is intended to be fully online with an approximate quote-to-bind time noted by First Connect as “less than 4 minutes” when using the CoverTree portal. • Agents may: – Quote and bind directly for individual MH/mobile risks via CoverTree’s agent portal. – Share a direct application link with clients for self-completion, then finalize binding through the portal. • For Maple/BRL community programs, brokers can launch quotes, track policies, and monitor compliance with automated enrollment, monthly pre-billing reports, and renewal tracking. BROKER / PRODUCER NOTES • Appointment: Producers must be appointed with CoverTree; the public "agents sign-up" page collects information and connects agents with a CoverTree representative to finalize appointment and portal access. • Support: Dedicated agent support contacts are listed for underwriting, service, and sales; agents are expected to route underwriting questions and non-standard risks to underwriting@covertree.com or via agent service channels. • Compensation: CoverTree discloses that it receives compensation based on premiums for policies sold; exact commission terms are not listed publicly and are handled via producer agreements. • Compliance messaging: CoverTree emphasizes that all coverage is subject to underwriting guidelines, review, and approval of the underwriting carrier, and that online marketing content is a brief summary only. OPERATIONAL TAKEAWAYS • Use CoverTree primarily for manufactured/mobile home and related dwelling risks (including ADUs, tiny homes, park models, and stationary travel trailers), especially where speed-to-bind and digital workflow are important. • Expect RC on MH units up to 30 years old when otherwise acceptable; assume ACV on older units unless underwriting or portal indicates otherwise. • Confirm state availability and any specific underwriting restrictions or surcharges in the portal at the time of quote; public web content does not list detailed eligibility rules, so underwriter contact should be used for edge cases or unusual occupancy/condition scenarios. • For MH communities seeking resident compliance solutions, position the Maple/BRL program as a blanket liability and compliance-tracking tool; brokers act mainly as introducers/facilitators while CoverTree handles resident outreach and documentation.