Allegany Insurance Group
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
Allegany Insurance Group writes personal lines property primarily via admitted homeowners programs with state-specific product guides (e.g., PA 10/24 ed., NY 04/24 ed.). Key appetite and underwriting guidance for Homeowners is as follows: Preferred Homeowners (owner-occupied, 1-family): - Target/Preferred: Permanent, primary residence, one-family owner-occupied dwellings used solely as a residence; superior maintenance and condition; roof, heating, and electrical systems preferably 15 years old or newer; central heating required; minimum Coverage A $100,000; minimum 90% replacement cost on Coverage A; named insured must be an individual (not an LLC or corporation). Product typically includes Special Form (ML-5), Homeowners Plus endorsement with optional $2,500 or $5,000 water damage coverage (ML-150A), and replacement cost contents (ML-55).([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - Restricted/Requires Underwriter Review: On-premises business exposures; pellet or coal heat must be disclosed; any unusual construction or attached structures may trigger review.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - Declined/Ineligible: Town homes and row homes; flat roofs; solid-fuel primary heat; vacancy; unfenced in-ground pools and pools with slides; risks with prior cancellations, non-renewals, frequent losses, non-pay, bankruptcy, foreclosure, or lapse in coverage; multiple ownership or business entities listed as named insureds.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) Standard Homeowners (owner-occupied, 1–2 family): - Target/Preferred: Permanent, primary residence; 1–2 family owner-occupied dwellings; replacement cost Coverage A between 80–100% with acceptable update history: roof within 15 years, electrical within 30 years, heat within 25 years. Actual cash value may be available if RC conditions not met.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - Restricted/Requires Underwriter Review: On-premises business; flat roofs (contact underwriting for prior approval); more than two attached homes (town/row) must be discussed with underwriting; risks with loss frequency or prior issues may be considered subject to underwriter judgment.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - Declined/Ineligible: Similar to Preferred—vacancy; pool slides and unfenced in-ground pools; space heaters; named insured in the name of an LLC or corporation; significant prior cancellations, non-renewals, claims, non-pays, bankruptcy, foreclosures, and coverage lapses.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) Other Home-related Programs (high-level appetite from product pages and guides): - Non-Standard Homeowners: Intended for owner-occupied single-family homes with prior property loss frequency or prior nonpayment/reinstatement problems; expect tighter underwriting and pricing to reflect higher risk.([alleganygroup.com](https://www.alleganygroup.com/personal-lines.php?utm_source=openai)) - Tenant Homeowners: Designed for tenants (non-owners) of dwellings or apartments; coverage for personal property and liability; eligibility generally follows personal lines underwriting but focuses on tenant occupancy.([alleganygroup.com](https://www.alleganygroup.com/personal-lines.php?utm_source=openai)) - Seasonal Homeowners: For seasonally occupied dwellings used strictly for seasonal use; must meet occupancy and maintenance expectations; business or rental use likely restricted or must be written under Landlord/Dwelling Fire where allowed.([alleganygroup.com](https://www.alleganygroup.com/personal-lines.php?utm_source=openai)) - Landlord Package: For 1–4 family dwellings; provides property, liability, and loss of rents; target is non-owner-occupied residential rental properties in acceptable condition, with standard habitational exposures and no high-hazard commercial occupancies.([alleganygroup.com](https://www.alleganygroup.com/personal-lines.php?utm_source=openai)) - Dwelling Fire: Designed for broad range of construction, ages, values, and occupancies; used for risks that do not qualify for homeowners (including some rentals, seasonal, or older homes) subject to manual rules and underwriter review.([alleganygroup.com](https://www.alleganygroup.com/personal-lines.php?utm_source=openai)) - Mobile Homeowners (including seasonal and tenant forms): Mobile/manufactured homes that meet construction, tie-down, and park/community standards; occupancy and maintenance are key; prior loss issues or poor condition are likely to be declined.([alleganygroup.com](https://www.alleganygroup.com/personal-lines.php?utm_source=openai)) Common Eligibility & Risk Control Themes (Home-related): - Occupancy/Use: Primary residence preferred for standard HO; seasonal, tenant, and landlord forms have dedicated products and must match occupancy type. Business use, roomers/boarders, or mixed use are generally restricted and require underwriter review. - Ownership: Individual named insured required; policies cannot be written directly in the name of LLCs or corporations for standard HO. Entity-owned dwellings may need to be placed on landlord or dwelling fire programs, subject to underwriter approval.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - Condition & Updates: Well-maintained risks with recent updates to roof, heat, and electric are preferred. Older systems without updates to within the stated timeframes (roof 15 years, electric 30, heat 25) may push the risk to ACV or non-standard/DF, or be declined if overall condition is poor.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - Hazards: Solid-fuel heating, space heaters, flat roofs, unfenced pools or slides, vacancy, and adverse prior loss or payment history are key red flags. These either render the risk ineligible or require prior written consent from underwriting with strong mitigation. Geographic Notes: - Allegany writes in multiple states (e.g., PA, NY) with separate product guides ed. 3/23, 04/24, 10/24; specific limits, forms, and some rules are state- and edition-specific and must be confirmed against the current manual/product guide for the state where the risk is located.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) Submission & Producer Instructions: - Producers are directed to state product guides and the rating/manual system for full rules; the guides instruct agents to "refer to manual or contact an underwriter for guidelines" when outside clearly eligible categories or when in doubt.([alleganygroup.com](https://www.alleganygroup.com/files/PDFFlip/NY%20Product%20Guide%204-24%20ed.pdf?utm_source=openai)) - Contact Underwriting (email Underwriting@alleganygroup.com or specific personal lines underwriters listed in the guides) for: any on-premises business exposure; flat roofs; more than two attached homes; pellet/coal heat; unusual construction; or risks with significant prior loss/payment issues.([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - Agents should use the appropriate state product guide edition (e.g., PA 10/24, NY 04/24) and be prepared to provide details on occupancy, updates (roof/heat/electric), prior losses, pool exposures, heating type, and ownership structure with all submissions. Operationally, submit clean, well-maintained, individually owned primary residences with recent system updates for Preferred/Standard; move entity-owned, seasonal, tenant, rental, or otherwise non-owner-occupied properties to the corresponding Seasonal, Tenant, Landlord, Dwelling Fire, or Mobile Homeowners programs. Pre-clear any flat roof, attached town/row structure, solid-fuel or non-central heating, vacancy, or adverse prior history with underwriting before binding.