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 personal lines high-net-worth home offering is presented through Private Client Select (PCS), which AIG identifies as the access point for AIG Private Client insurance for high-net-worth customers. Current published positioning is bespoke homeowners coverage for primary estates, seasonal/secondary homes, luxury residences, unique custom homes, historic residences, and multi-property portfolios. Preferred business includes high-value homes needing customized reconstruction valuation, homes with craftsmanship or historic features, and clients who value coordinated risk-management support. PCS also signals willingness to consider more complex properties when risk can be differentiated through underwriting and mitigation—for example, a rural secondary home with fire protection concerns was described as insurable after RMS evaluation of fire response conditions and loss-prevention measures. Geographic notes: PCS states it operates in all U.S. states and DC, but coverage remains subject to underwriting review and may not be available in every jurisdiction; catastrophe-sensitive exposures are specifically contemplated, with published wildfire and hurricane preparedness/mitigation services for exposed properties. Published risk-management expectations strongly suggest underwriting focus on defensibility and prevention: on-site residential inspections, replacement-cost/insurance-to-value review, water leak detection planning, wildfire prevention support, smart-build guidance for course-of-construction or resilient construction, thermography/equipment-oriented reviews for large estates, and background checks for private staff. The official consumer-facing pages do not provide a detailed public decline list, restricted class list, occupancy prohibitions, or hard eligibility thresholds; instead, the visible framework is individualized underwriting for complex/high-net-worth risks with emphasis on property-specific hazards, valuation adequacy, and mitigation. Broker/producer instructions are more detailed: AIG/PCS publishes a broker contact reference guide showing underwriters handle new business account review, VIP renewals, course of construction, multinational inquiries, general underwriting strategy, coverage questions, and inspection requirements. Underwriting technicians handle renewal prep, replacement cost and ITV questions, inflation reviews/revaluations, inspections, and loss runs. Operations contacts are designated for new business quotes/re-quotes, binders/issuance, endorsements, quote-to-existing-policy requests, billing-type changes, BORs, and inspection processing. Submission/service workflow expectations include use of ePCG/ePremier/CIP and the Producer Business Center for self-service quoting, endorsement changes, transaction status, policy/billing document retrieval, guidelines/product/specimen form access, valuation tools, producer bulletins, and e-learning. Broker assistance is centralized through PCS contact channels, and broker login is provided on the PCS site. Overall, the refreshed guidance indicates an actively marketed U.S. high-net-worth homeowners platform with broad willingness for customized affluent-property risks, especially where inspection, valuation, and mitigation data support the account, but with final acceptability left to case-by-case underwriting approval rather than a public appetite grid.