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
No current AIG-owned underwriting or appetite page for high-net-worth (HNW) homeowners could be verified at the prior URL (https://www.aig.com/individual/home-insurance/high-net-worth now returns 404). AIG’s U.S. HNW personal-lines business is now written through Private Client Select Insurance Services LLC (PCS), a managing general agency formed with Stone Point Capital in 2023 to serve the high-net-worth and ultra-high-net-worth personal P&C market. ([aig.com](https://www.aig.com/home/risk-solutions/business/l/producer-compensation?utm_source=openai)) Operationally, this means: - HNW homeowners appetite, eligibility, and underwriting guidance for new business is now controlled and distributed by Private Client Select rather than directly on AIG’s public site. - Agents and brokers must access HNW home programs, underwriting criteria, and submission rules via PCS’s producer/broker channels (e.g., through the Private Client Select website, broker portals, or wholesaler/retail agency relationships), not via public AIG underwriting manuals. - AIG continues to position this segment as high-net-worth / ultra-high-net-worth focused; marketing materials and third‑party descriptions consistently indicate target customers with large, high-value homes, multiple lines (home, auto, valuables, yacht, excess), and complex risk profiles. ([aig.com](https://www.aig.com/home/risk-solutions/business/l/producer-compensation?utm_source=openai)) Because AIG does not publish a U.S. HNW homeowners appetite or underwriting manual on its public domain as of this refresh, detailed criteria such as preferred construction, minimum Coverage A limits, brush/catastrophe guidelines, and prohibited classes must be confirmed case-by-case with PCS underwriting or your appointed wholesale/retail partner. The most reliable operational approach today is: - Treat AIG-branded HNW home as accessed via Private Client Select. - Use PCS’s broker/agency documentation and portals for appetite details, restricted/declined risks, state availability, minimum premiums, and inspection/mitigation requirements. - Follow PCS instructions for submissions (usually ACORD plus PCS-specific apps, supplemental questionnaires, and current valuation documentation as requested). No U.S.-specific public document from AIG currently sets out explicit preferred vs. declined home classes, geographic eligibility, or step-by-step submission guidelines for this book, so internal PCS materials or your marketer/underwriter remain the source of truth for operational underwriting guidance.