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Speciality homes

Speciality homes

ADU stands for “Accessory Dwelling Unit.” An ADU is a secondary housing unit with complete independent living facilities, such as a kitchen, bathroom, and sleeping area, that is located on the same property as a primary residence. ADUs can take various forms, including converted garages, detached structures, or additions to existing homes.

A tiny home is a compact, efficiently designed living space typically ranging from 100 to 400 square feet. These homes prioritize simplicity and minimalism, often incorporating multifunctional furniture and innovative storage solutions to maximize the use of limited space. Tiny homes can be built on a foundation or on wheels, providing flexibility for those who value mobility. They are a popular choice for individuals seeking a minimalist lifestyle, reduced environmental impact, and lower living costs. Despite their small size, tiny homes are designed to include all essential living areas such as a kitchen, bathroom, sleeping area, and often a small living space.

A container home is a type of dwelling built from shipping containers. These homes repurpose large steel containers that were originally designed for transporting goods, transforming them into functional living spaces. Container homes can range from single-container units to multi-container structures, offering a variety of layouts and designs. They are known for their durability, cost-effectiveness, and eco-friendliness, as they may recycle materials that would otherwise go to waste. Container homes can be customized to include all essential amenities such as kitchens, bathrooms, bedrooms, and living areas, making them a versatile and sustainable housing option.

A park model is a type of recreational vehicle (RV) designed for long-term or semi-permanent placement at a campsite or RV park. These homes are typically around 400 square feet in size and built on a single chassis mounted on wheels, making them transportable but intended for extended stays in one location. Park models often resemble small cottages or cabins and come equipped with full-sized amenities, including kitchens, bathrooms, living areas, and separate bedrooms. They offer a comfortable, home-like experience for seasonal living or as a vacation retreat, combining the convenience of mobility with the comforts of a traditional home.

A modular home is a type of prefabricated housing that is constructed in sections, or modules, within a controlled factory environment. These modules are then transported to the home site and assembled on a permanent foundation. Modular homes are built to meet or exceed local building codes and standards, ensuring high quality and durability. They offer a wide range of design options and can be customized to suit individual preferences. Unlike traditional homes, modular homes are typically completed in a shorter time frame and can be more cost-effective due to the efficiency of the factory construction process. Once assembled, they are indistinguishable from traditionally built homes and provide a comfortable, permanent living space.

A stationary travel trailer is a traditional travel trailer setup in one place for an extended period, often used as a temporary or seasonal dwelling. Unlike traditional travel trailers, which are frequently moved from one location to another, stationary travel trailers are typically set up in RV parks, campgrounds, or private property and remain there for extended stays. These trailers come equipped with all the essential amenities such as kitchens, bathrooms, sleeping areas, and living spaces, offering the comforts of home while enjoying a specific location. They provide a flexible living option for those seeking a semi-permanent residence without the commitment of a traditional home.

CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.

CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.

Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.

Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.

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