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
Operational scope - Allegany Insurance Groupwrites personal homeowners products primarily in New York and Pennsylvania. Appetite and rules are detailed in state product guides updated in 2023–2024. Preferred Homeowners (PA product guide 10/24 ed.) - Target: Owner-occupied, 1-family permanent primary residences with superior maintenance and recent system updates. - Key eligibility: - Must be owner-occupied, 1-family primary residence. - Central heating required; no solid-fuel burners allowed. Pellet/coal must be disclosed to underwriting. - Roof, heat, electrical generally preferred 15 years or newer. - Coverage A minimum $100,000 and at least 90% replacement cost. - Package typically includes ML-5 Special Form, ML-150A Homeowners Plus (option for $2,500 or $5,000 water damage), and ML-55 replacement cost on contents. - Unacceptable for Preferred: - On‑premise business exposures (must contact underwriting if present). - Prior cancellations, non-renewals, property claims issues, non-pay history, bankruptcy, foreclosure, or coverage lapse. - Swimming pool slides and unfenced in‑ground pools. - Vacant dwellings or use of space heaters. - Multiple ownership or business entities; named insured cannot be an LLC or corporation. - Townhomes and row homes; flat roofs. Standard Homeowners (PA/NY) - Target: Primary owner-occupied 1–2 family homes where systems are in acceptable age/condition but may not meet Preferred standards. - Key eligibility: - Permanent, primary residence; owner-occupied; 1–2 family. - Replacement cost: typically 80–100% of Coverage A. - System age/condition requirements vary slightly by state: - PA guide emphasizes roof/electrical/heating updates with specific age thresholds (example: roof 15 years, electrical 30 years, heat 25 years). ([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) - NY guide specifies: roof replaced within last 25 years (except lifetime-type roofs); central or thermostatically controlled heat; electrical with circuit breakers; no knob-and-tube or aluminum wiring. ([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/NY%20Product%20Guide%203-23%20ed.pdf?utm_source=openai)) - ACV coverage is available when RC criteria not met. - Ineligible / require underwriting review: - On-premise business – must contact underwriting to discuss. - Adverse history: prior cancellations/non-renewals, claims, non-pay, bankruptcy, foreclosure, and coverage lapses. NY guide limits property loss frequency/amount and requires underwriting review if more than three property losses totaling $10,000 in 5 years. ([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/NY%20Product%20Guide%203-23%20ed.pdf?utm_source=openai)) - Pool slides and unfenced in‑ground pools. - Vacancy; use of space heaters. - Multiple ownership or business entity named insureds; named insured may not be LLC or corporation. - Town/row homes above a certain attachment count in PA; more than two attached homes requires contact with underwriting. Flat roofs generally require prior underwriting approval. ([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/PA%20Product%20Guide%2010-24%20ed.pdf?utm_source=openai)) Non-Standard Homeowners (NY 04/24 ed.) - Purpose: Standard HO rules but with tolerance for increased losses and non-pay incidents, subject to stricter review. - Key points: - Must have prior underwriting approval. - Designed for risks with 1–4 property losses within past 5 years and no more than 3 losses in past 3 years (theft losses more limited). - Minimum deductibles scale with prior loss experience; underwriters follow manual/detailed guidelines for deductible selection. - Excessive or very large losses or severe non-payment history can disqualify even from Non-Standard. ([alleganygroup.com](https://www.alleganygroup.com/files/PDFFlip/NY%20Product%20Guide%204-24%20ed.pdf?utm_source=openai)) Seasonal Homeowners (NY) - Target: Secondary/seasonal residences with limited rental exposure. - Key eligibility: - Risk cannot be rented more than 6 weeks per year; if rented more, underwriters will consider placement in Landlord or Dwelling Fire programs (noted as available in upstate NY only). - Replacement cost: 80–100% of Coverage A with required condition standards: roof within 25 years (except lifetime-type roofs); central/thermostatic heat; electrical with breakers; all systems in good condition with no uncorrected code/fire violations. - ACV may be available subject to underwriting discussion. - Basic Form perils may be allowed for open-pier foundation risks with underwriting approval. ([alleganygroup.com](https://alleganygroup.com/files/PDFFlip/NY%20Product%20Guide%203-23%20ed.pdf?utm_source=openai)) Tenant Homeowners (Renters) – NY 04/24 ed. - Target: Permanent or seasonal tenant-occupied dwellings where the insured is a tenant, not owner. - Coverage: - Minimum Coverage Amount: $7,000 ACV or $10,000 RC for personal property. - Unacceptable characteristics: - Prior cancellations, non-renewals, claims, non-pay, bankruptcy, foreclosure. - Pool slides; unfenced in‑ground pools. - Vacancy or use of space heaters. - Coverage lapse. - Multiple ownership or business entities; named insured cannot be LLC or corporation. ([alleganygroup.com](https://www.alleganygroup.com/files/PDFFlip/NY%20Product%20Guide%204-24%20ed.pdf?utm_source=openai)) Condo Homeowners – NY 04/24 ed. - Target: Condominium units used permanently, seasonally, or rented to others for 6 weeks or less. - Coverage: - Coverage A includes additions/alterations, improvements, fixtures, appliances, and related private structures solely owned by insured. - Includes at least $5,000 personal property and $2,500 loss assessment coverage. - Unacceptable characteristics: - Adverse prior history similar to Tenant HO: prior cancellations, non-renewals, claims, non-pay, bankruptcy, foreclosure (refer to underwriting as indicated). - Pool slides; unfenced in‑ground pools. - Vacancy; space heaters; coverage lapse. - Multiple ownership, business entities, or LLC/corporation as named insured. - Student housing risks are specifically ineligible. ([alleganygroup.com](https://www.alleganygroup.com/files/PDFFlip/NY%20Product%20Guide%204-24%20ed.pdf?utm_source=openai)) General notes for all personal homeowners products - Geography: Writings noted specifically for New York and Pennsylvania; some sub-programs (e.g., Landlord/Dwelling Fire) are restricted to upstate NY. - Pool and premises safety are important across all forms: pool slides and unfenced in‑ground pools are consistently declined. - Occupancy/usage: - Vacancy is consistently unacceptable. - On-premise business is not an automatic decline but triggers mandatory underwriting review. - Named insured form: Personal lines must be written in an individual’s name, not LLCs or corporations, and generally avoid multiple ownership/business entities. - Loss history and payment behavior are core underwriting filters; frequency, severity, coverage lapses, non‑pay and negative non-renewal/cancellation history are red flags often requiring prior underwriting approval or causing declination. - Heating and electrical: Preference for central/thermostatically controlled heat, no primary solid-fuel systems, and breaker panels; knob-and-tube and aluminum wiring are ineligible in NY guides. - Broker/producer instructions: - Many conditions and exceptions (e.g., on-premise business, more than two attached homes, flat roofs, ACV requests for seasonal, open-pier foundations, Non-Standard placement, heavy loss history) require direct consultation with Allegany underwriting. - Agents should refer to the current state Product Guide and rating manual and contact an underwriter when risks fall near or outside listed appetite criteria.