AIG
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
AIG’s current U.S. personal lines home offering for high-net-worth and ultra-high-net-worth clients is marketed through Private Client Select (PCS). Published positioning emphasizes customized homeowners coverage for primary estates, seasonal/secondary homes, luxury home portfolios, and one-of-a-kind residences requiring bespoke restoration and higher insurance-to-value treatment. PCS highlights strength in complex property underwriting, including difficult rural secondary homes where other carriers may decline due to fire protection concerns, with underwriting supported by property-specific evaluation of fire response, local capabilities, and mitigation measures. Geographic language is broad (“coast to coast”), but coverage remains subject to underwriting review, approval, and jurisdictional availability. Official notices indicate Private Client Select operates in all U.S. states and D.C. as a producer, while underlying insurer licensing varies by company and state, so state-specific availability and paper should be confirmed at quote. No public consumer-facing appetite guide was found listing explicit declined classes; however, the current published risk posture suggests preference for well-protected high-value homes, distinctive construction, multi-property clients, and risks where proactive mitigation can be implemented. Practical restricted/likely challenged scenarios based on published guidance include catastrophe-exposed locations without adequate mitigation, properties with poor fire protection or long response times unless risk improvements support acceptance, and risks outside jurisdictional or underwriting availability. Submission/placement notes: business is expected to flow through an independent insurance advisor/broker; PCS repeatedly directs clients to work with their independent insurance advisor and states broker/family office coordination is part of the service model. For producers seeking access, AIG requires valid state licensing and appointment/onboarding through its producer appointment process; new agency/agent onboarding or producer-code linking may be initiated proactively or via submission reservations. Broker service references also show dedicated PCS contacts for new business account review, VIP renewals, course of construction risks, multinational inquiries, inspections, replacement cost/ITV questions, quote status, binding, endorsements, and BOR handling, indicating operational support for complex homes and affluent-account servicing.