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 is a program administrator focused on manufactured housing, with its manufactured home program underwritten by Markel American Insurance Company; in North Carolina, certain policies may be issued by Markel Evanston on a surplus lines basis. Current publicly available guidance indicates a digitally driven appetite for manufactured/mobile home risks that can be quoted, issued, and bound online in under about 4 minutes. Preferred/target business includes manufactured and mobile homes, including single-, double-, and triple-wide homes, plus related specialty housing types shown on the site such as modular homes, ADUs, park models, tiny homes, and stationary travel trailers. Occupancy profiles specifically called out as writable include homeowner, renter/tenant, landlord, vacant, and seasonal manufactured home risks. CoverTree also promotes replacement cost on eligible newer homes and ACV options for older homes through partner distribution materials, but those details were not found on an official CoverTree appetite page, so treat them as distributor-specific unless reconfirmed. Public official pages do not provide a detailed declined-class list, hard eligibility matrix, or state-by-state class restrictions; underwriting remains subject to insurer review and approval, and product availability varies by state. Geographic notes: CoverTree states coverage availability varies by state; it operates in California as MHTree Insurance Services, and North Carolina business may involve surplus lines placement through Markel Evanston for certain policies. Submission/producer guidance: agents are directed to complete an online appointment/onboarding flow to get appointed, after which CoverTree connects them with its team to finalize appointment. Producer onboarding FAQs show CoverTree collects agency/principal/producer details, uses NIPR-synced license data, and distinguishes existing-agency, new-agency, sole proprietor, and wholesaler onboarding paths. For direct appointments, portal access is not immediate; CoverTree reviews the submission internally, including E&O review where applicable, before creating agent portal access. Appointment handling is state-dependent: Michigan is currently listed as a non-JIT state where appointment approval must be completed before binding/issuing, while JIT states allow initial issuing with appointment requested after first policy issuance; if an appointment is later rejected, issuing is blocked. Broker/producer notes: current agents use the CoverTree Agent Portal; CoverTree advertises competitive commissions, online policy management, claim filing in about 3 minutes, and support for book conversions and lender integrations. For manufactured housing community brokers, CoverTree separately markets a Maple-powered blanket resident liability/compliance solution with referral-based participation rather than traditional quoting.