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No headache here. File your claim in three simple steps.

File a claim in the button above or email us at or call us at (877) 417-8733

When things go wrong, we make things right.


Gather loss details

First, make sure everyone is safe. Then report the details of your loss. Gather any images possible.

File your claim

Tell us what happened and submit your claim. It only takes a few minutes.

Cover the losses

We help you minimize your losses and quickly pay for whatever went wrong.

What are people saying?

Troy from Clovertree is awesome! My mother’s (Donna) mobile home insurance went up $300 for a year and she asked me to try & find something cheaper. I was able to get it even cheaper than it was originally with a better policy! Don’t let other companies take you for more than you should be paying!

Carrie Bryant

It was so easy to work with Sara Phillips to get insurance with CoverTree! She was so friendly and helpful and was able to give me a lot of answers, recommendations and was quick to make any changes I needed to make. I recommend CoverTree.

A. “Almighty” Jones

Valerie Beckett was the bomb! She gave me the best quote by far, then made the process of getting the coverage as easy and straightforward as possible. I’m definitely recommending her the next time someone brings up insurance!

Paul Tanton

Had a wonderful experience with Sarah! She made everything so easy. Covertree has the best rates anywhere. I doubt I will ever move to any other company for mobile home coverage!

Christina McCord

Just signed up couple days ago over the phone and the young lady (Representative – Valerie Beckett) I talked to her like we were best friends , we just not only talking business but telling jokes to just shooting the breeze, it was a pleasure, thanks Valerie.

Dale Winfield

I was calling around to get an insurance quote on our park model in Arizona since our current insurer decided to stop insuring park models in that state. Then found CoverTree. Quote was just slightly more than what we paid last year and the two reps, Sara and Troy, were extremely helpful and patient.

Jim Baird

Troy Roberts was extremely helpful and understanding of my needs in insurance coverage. He worked to get me the best price quotes. Thank you, Troy.

Debra DeWitt

My Homeowners policy was almost doubling so I shopped around for a better price. I checked out CoverTree and got a quote from Valerie Beckett. Same coverage as my current policy but at half the cost. Needless to say, but I switched to CoverTree. Thanks Valerie and CoverTree!

James West

Dillon was very helpful.I was getting very discouraged by the responses I was getting from other companies and agents. So I was very pleased when I contacted Dillon he listened to what I needed and got back to me when he said he would it was a wonderful experience Thanks Dillon
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Michele Hayenga

I needed specific insurance. Not only did Covertree offer it but they were also less than other companies. The process to get a quote and get insured were extremely easy. They even have a referral program which I’ve already utilized.
Angela Durham Photo

Angela Durham


Don’t sweat the small stuff. We’ll manage every step of your claim.


You file a claim online or by phone

Provide as much information as you can. The quicker, the better.


An adjuster is assigned

A dedicated claims adjuster will be assigned to your case. They’ll contact you directly for easy assistance.

An inspection is scheduled

We’ll schedule an inspection and make sure we accurately assess the claim.

Status updates are sent

Heads up, if we missed anything, we may request some additional information.

The losses are covered

If your claim is approved, we’ll make the payment as quick as possible.
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