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
Appetite is focused on high-net-worth personal lines under the (former) AIG Private Client / High Net Worth segment, generally written on customized homeowners forms for affluent and ultra‑affluent clients. Preferred business / target profile - Primary and secondary homes with high Coverage A limits; internal marketing and broker training materials show target primary home Coverage A around $1,000,000 and higher, with willingness to consider homes from roughly $500,000 Coverage A and up, and special terms beginning around $2M Coverage A and above. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Clients purchasing multiline programs (home plus auto, excess/umbrella, and/or collections) rather than monoline home. Appetite explicitly notes preference for accounts with at least two lines (e.g., home + auto, or home + excess). ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Well-maintained, higher-value dwellings (including luxury coastal/vacation properties) where risk mitigation and concierge risk management services can be deployed (e.g., wildfire and property loss prevention inspections, security and water‑loss controls) as reflected in Private Client Group and partner MGA materials. ([completemarkets.com](https://completemarkets.com/company/ashleygeneralagency/homeownerspersonal-lines-insurance/?utm_source=openai)) Restricted / declined business (general tendencies) - Commodity/lower-value homeowners risks below the high‑net‑worth thresholds (sub‑$500k Coverage A) are generally outside appetite; these are typically serviced by mass‑market carriers rather than AIG’s private client platform. - Accounts unwilling to meet higher deductibles, protective device requirements, or specific risk‑control recommendations (e.g., for wildfire, coastal wind, or water‑leak exposure) are commonly non‑preferred. - Isolated monoline homeowners is a narrower appetite; internal guides refer to a "monoline appetite for certain homeowners risks," implying many stand‑alone homes may be restricted unless they meet strict quality and protection criteria. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Locations with very high catastrophe exposure (coastal windstorm, flood, or wildfire) may be restricted, require special terms (higher deductibles, sublimits, or exclusions), or be declined altogether where portfolio accumulations are already high; market commentary notes AIG’s need to rebalance and restructure its private client book due to overexposure. ([reddit.com](https://www.reddit.com/r/Insurance/comments/ipqcwv?utm_source=openai)) Geographic notes - AIG has historically written high‑value homeowners nationally via Private Client Group and select distribution partners; however, there has been ongoing restructuring of the book and, in some regions, a reduction in appetite or non‑renewals where catastrophe aggregation is elevated (e.g., certain coastal and wildfire‑prone areas). This varies by state and year and must be confirmed with current state‑specific bulletins or portal appetite tools. ([reddit.com](https://www.reddit.com/r/Insurance/comments/ipqcwv?utm_source=openai)) - Producers in CAT‑sensitive states (e.g., California, Florida, Gulf and Atlantic coasts) should expect tighter underwriting, higher minimum deductibles, and mandatory mitigation features (roof condition, defensible space, storm shutters, elevation, water shut‑off, etc.), and should confirm availability before marketing AIG as a solution. Submission requirements / underwriting expectations - For private client home business, producers should be prepared to submit: - Completed personal insurance application including full dwelling details (construction, year built/updates, protection class, distance to coast/body of water, fire protection, etc.). - High and accurate Coverage A limit reflecting replacement cost; many training materials assume a minimum $1M Coverage A target with appetite down to around $500k for select risks. ([independentagent.com](https://www.independentagent.com/SiteAssets/TFT/Ads/AdDocs/AIGPCG.pdf?utm_source=openai)) - Details of additional lines in the program (auto, umbrella, collections) so the underwriter can consider the account on a whole‑relationship basis. - Prior carrier information, loss history (typically 3–5 years) and any large‑loss details, with explanation of corrective actions taken. - Information on risk‑mitigation features: central station fire/burglar alarms, water leak detection/shut‑off systems, wildfire/defensible‑space measures, hurricane protections, and any other installed protective devices, as these support preferred pricing and acceptability. - For higher‑limit or complex homes (e.g., very high Coverage A, unique construction, extensive collections, or multiple locations), expect: - Possible pre‑bind or post‑bind inspections/risk‑engineering visits. - Underwriter‑negotiated terms and conditions, including customized deductibles, separate wind/hail or CAT deductibles, and endorsements tailored to the client’s risk profile. Broker / producer notes - AIG’s high‑net‑worth home offerings are typically accessed through appointed independent agents, brokers, and select MGA programs; producers must be appointed or work through an appointed intermediary to access terms. - Underwriting is relationship‑driven; appetite can tighten or loosen by geography and occupancy type based on portfolio management and accumulation, so producers should: - Check the current appetite or state‑level guidance on the broker portal before marketing or submitting. - Engage the underwriter early for large or CAT‑exposed schedules to confirm capacity, deductibles, and any mandatory mitigation requirements. - Present accounts as multiline opportunities where possible (home + auto + umbrella + collections) to align with AIG’s preferred private client positioning. - Market commentary emphasizes that AIG has been actively managing and in some cases reducing its private client exposure; producers should manage client expectations on pricing (potential for significant increases) and on the possibility of non‑renewal or restricted terms in high‑hazard zones. ([reddit.com](https://www.reddit.com/r/Insurance/comments/ipqcwv?utm_source=openai)) Operational takeaway - Use AIG primarily for affluent and high‑net‑worth homeowners who value broad coverage, high limits, and concierge‑style risk management, and who are willing to accept higher deductibles and mitigation responsibilities, especially in catastrophe‑exposed regions. Validate current state‑specific appetite and availability on the AIG producer portal or with your underwriting contact before placement, as the private client book continues to be actively re‑underwritten and rebalanced.