Any questions?
(205) 961-2511

Shearwater's Group Insurance Program

The Group Insurance Program is for residents who do not to buy the insurance coverage required by their lease agreement. This coverage protects the community and other residents in the event of an accident or loss that the resident on the lot covered by the Group Insurance Program is legally liable for. The coverage in this program is purchased by your community operator and billed to you with your rent monthly. Please ask your community manager about the monthly cost of being a part of this program. If you already have proof of insurance coverage please email it to: decpage@covertree.com

Here are the liability events this program covers for property damage to the insured location caused by an occurrence covered by this policy for which a resident becomes legally liable:

  • Fire and/or smoke.
  • Explosion originating in the resident premises, but not arcing, breakage of water pipes or breakage or operation of pressure relief devices. Loss by explosion from steam boilers or steam pipes is not covered.
  • Falling objects that damage or penetrate the roof or wall of the resident premises. Damage to the falling object itself is not covered.
  • Riot or civil commotion.
  • Overflow, discharge or leakage of water in the resident premises from a bathtub, sink, shower or toilet, a clothes washing machine or dishwasher, a refrigerator, any other appliance owned by the resident of the resident premises, aquariums, or waterbeds.
  • The replacement of any part of the covered property necessary to repair the appliance from which the water escaped.
Michigan Chamber of Commerce Logo
BBB - Accredited Business
Green Business Bureau Logo
Manufactured Housing Institute Member logo

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.

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.

Copyright © 2022 CoverTree Inc. All rights reserved

CoverTree Brand Logo

Any questions?

(205) 961-2511

We couldn’t locate your address...

Please make sure your address is clicked on from the dropdown menu. Double check for typos and try retyping your address. Ensure your unit/lot number is separate and in the box on the right.

If we still can’t find it, please give us a call at (877) 417-8733 or email us at team@covertree.com.

Please complete your address to get a quote

CoverTree Brand Logo

Any questions?
+1 (877) 417-8733