Insurer guide
Covertree Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Covertree. This page lists the Covertree coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Covertree. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Covertree if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Covertree coverage and states available through our agency
The table shows each Covertree coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Manufactured Home | Personal | AZ, AL, TX, OH, NC, GA, OK, NM, KS, MI, SC, IL, TN |
| Mobile Home | Personal | AZ, AL, TX, OH, NC, GA, OK, NM, KS, MI, SC, IL, TN |
| Landlord | Personal | AZ, AL, TX, OH, NC, GA, OK, NM, MI, SC, IL, TN |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a Covertree quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether Covertree is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Pacific Specialty Insurance Company, Steadily, SES Risk Solutions, Starfish, Green Shield Risk, Delos, Vacant Express.
Who CoverTree is
CoverTree Inc. is a managing general agency (MGA) for manufactured homes. It's the program administrator for CoverTree's Manufactured Home Program. The company is based in Detroit, Michigan.
In California, CoverTree operates as MHTree Insurance Services (license 6009070). It also says it's a licensed surplus lines broker in North Carolina.
Rocket Mortgage's learning center calls CoverTree a "sister company of Rocket Mortgage." We couldn't verify the corporate ownership chain behind that description.
Who issues CoverTree policies
CoverTree's policies are issued by Markel American Insurance Company of Glen Allen, Virginia. In North Carolina, some policies may be issued by Markel's Evanston Insurance Company. CoverTree's 2022 launch release referred to "Markel Insurance Company."
On November 21, 2025, AM Best affirmed both Markel American and Evanston:
- Financial strength rating: A (Excellent).
- Issuer credit rating: "a+".
- Outlook: stable.
Both are listed among Markel's North America group members.
What CoverTree covers and where
CoverTree writes three kinds of policies: homeowner, renter and landlord. Homeowner coverage is for homes valued up to $500,000.
It covers many home types:
- Single, double and triple wides.
- Modular homes and ADUs.
- Stationary travel trailers and park models.
- Tiny homes.
According to the First Connect carrier directory, homes 30 years old or newer can get replacement cost coverage. Homes of any age can get actual cash value coverage.
CoverTree's site says only that "coverage availability varies by state." Its footprint has grown over time:
- 2022 launch: Arizona, Indiana, Michigan, New Mexico, Ohio, Illinois and Tennessee.
- May 2024: 14 states, adding Texas, Arkansas, South Carolina, Kansas, Oklahoma, Georgia and Alabama.
- First Connect carrier directory, 2026: 18 states.
CoverTree sells online, by phone with licensed agents, and through independent agents.
CoverTree news
On May 9, 2024, CoverTree announced a $13 million Series A led by Portage. Total funding reached $23 million. Other investors were AV8, Distributed Ventures, Detroit Venture Partners, Ludlow Ventures and Annox Capital. Portage CEO Adam Felesky joined CoverTree's board.
We found no CoverTree company release from 2025 or 2026.
The May 2024 release listed 14 states, up from 7 launch states in 2022. First Connect now lists 18.
Why manufactured homes need a specialist
CoverTree's program is built around manufactured homes. It covers a wide range of home types, from single wides to tiny homes, park models and stationary travel trailers.
Age matters for how a claim is paid. Homes 30 years old or newer can get replacement cost, which generally pays to repair or replace without a deduction for wear. Actual cash value generally subtracts depreciation.
What to check before you buy CoverTree
- Replacement cost or ACV. If your home is over 30 years old, expect actual cash value. That may pay less for older items.
- Home type. Describe your home accurately, whether it's a single wide, park model or tiny home.
- The insurer. In North Carolina, check whether it's Markel American or Evanston.
- Value limit. Homeowner coverage tops out at $500,000 home value.
- Land and park rules. If you rent a lot, check what your park requires.
Sources for the sections above: CoverTree: program and carrier details (2025); Business Wire: AM Best affirms credit ratings of Markel Group and subsidiaries (2025); Business Wire: CoverTree Series A (2024); Business Wire: CoverTree announces $10M in funding and launch (2022); Rocket Mortgage: CoverTree (2024) (secondary, affiliated party); First Connect carrier directory: CoverTree (secondary).
Covertree FAQs
Can Blake Insurance Group quote Covertree?
Yes. Our agency currently has access to quote Covertree for the coverage types and states listed on this page. Access can change, and Covertree decides whether to offer a policy.
Which states can you quote Covertree in?
Of the 24 states where we are licensed, we can currently quote Covertree in AZ, AL, TX, OH, NC, GA, OK, NM, KS, MI, SC, IL, TN. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Covertree with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Covertree decides eligibility, pricing and whether to issue a policy.
Trademarks. Covertree and other company names are trademarks of their owners. This page is not published or endorsed by Covertree.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Covertree and other options available to you.