AIG Private Client
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 Private Client is positioned as a high-net-worth personal lines market offering custom-built homeowners coverage for exclusive homes, including suburban, coastal, urban loft, second-home, and historic residences. Current publicly verifiable producer-facing guidance is operational rather than a formal appetite guide. Preferred business indicators include higher-value homes needing tailored replacement cost solutions, broad contents protection, large-estate or complex-home risk services, historic homes, and clients who may benefit from coordinated account coverage across home, auto, collections, yacht, and excess liability. The homeowners materials highlight optional enhancements such as equipment breakdown, excess-style flood options for homes in flood zones, green rebuilding, business property, sewer/drain backup, large deductible options up to $100,000, and risk-mitigation services such as on-site inspections, water-loss prevention, thermography, engineering services for large estates, home/family security, and historic home protection. Geographic notes: supplemental protection services are stated as selective by state/area, with Wildfire Protection Unit availability noted in select areas of CA, CO, and TX, and Hurricane Protection Unit availability in select areas of FL, MA, NJ, NY, and SC; products/services are also subject to jurisdictional availability and underwriting approval. Restricted or declined classes are not spelled out in the publicly accessible sources reviewed; however, coverage/service availability is limited by eligibility, enrollment, location, flood zone/coverage restrictions, and underwriting review, so unusual, catastrophe-exposed, or specialty risks appear to require individual underwriter review rather than fitting a published open appetite. Submission/underwriting requirements and producer instructions currently published: underwriters handle new business account review, course of construction risks, multinational inquiries, general underwriting strategy, coverage questions, and inspection requirements; underwriting technicians handle replacement cost and insurance-to-value questions, inflation reviews, revaluation requests, inspection ordering/RMS inquiries, and loss runs. The broker contact center is the first point of contact for new or existing accounts and can assist with quote, issuance, endorsement, inspection, billing, and portal questions. Operations contacts are segmented for new business quotes/re-quotes, binders/issuance, endorsements, quote-to-existing-policy requests, billing-type changes, BORs, and inspection processing. AIG also states that producers can use ePCG/ePremier/CIP for self-service new business quoting, quoting options on existing business, real-time endorsement issuance, status tracking, and access to policy/billing documents. Producer Business Center resources include guidelines, product information, specimen contracts, marketing brochures, valuation tools for residence replacement cost, producer bulletins, and service information. Overall: verified public guidance supports AIG Private Client as a relationship-driven, individually underwritten HNW home market with strong risk-control and service resources, but no detailed public declination matrix or standalone formal home appetite guide was found on official sources reviewed.