CoverTree Information

CoverTree is risk infrastructure for American housing. We started with housing's hardest market. Manufactured homes are America's most affordable path to ownership and its most underserved insurance segment. We built the stack to serve it, from property intelligence and pricing models to policy administration, compliance, and distribution. Today that stack reaches 100,000+ homes through 17,000 agents, 100+ enterprise partners, and 10+ carrier partners, and it's scaling across every major segment of the American housing economy: - Agents and wholesalers bind specialty risk in minutes - Homeowners get coverage in minutes, not days, with plans they can buy right online - Lenders get tracking and coverage on one rail - Community operators and portfolio owners get master programs at portfolio scale - Dealerships get coverage that closes at the point of sale Housing risk is rising faster than the models that price it. Premiums are up 47% since 2020, and insurance is now central to whether the homes America has stay affordable. We think the answer is better data, better models, and systems built for how housing actually gets bought, financed, and lived in.