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
Verified official guidance is available in Allegany Insurance Group’s Pennsylvania Product Guide (10/24 edition), which is more specific than the public personal-lines marketing page. For Home, Allegany targets owner-occupied primary residences, especially 1-2 family homes in New York and Pennsylvania, with Preferred and Standard homeowners options, plus Seasonal, Day Care Homeowners, Tenant/Renters, and Mobile Homeowners. Preferred Homeowners is for owner-occupied 1-2 family primary residences meeting higher standards. Standard Homeowners requires permanent primary residence, owner occupancy, 1-2 family, with stated update expectations of roof within 15 years, electrical within 30 years, and heat within 25 years, and generally 80%-100% RC to value; ACV is also available. Seasonal Homeowners is available where the property is rented no more than 6 weeks per year, is accessible year-round, and uses a seasonal application/ML416; risks more than 5 miles from a fire department need underwriting approval. Day Care Homeowners requires the insured to be a Pennsylvania licensed child day care provider and to provide proof of separate professional day care liability with an A+ admitted carrier. Restricted or declined characteristics across the homeowners programs include vacancy, space heaters, prior cancellations/non-renewals/non-pays, adverse loss history, bankruptcy/foreclosure, coverage lapse, unfenced in-ground pools and pool slides, and multiple ownership/business-entity ownership; named insured generally cannot be an LLC or corporation. Additional specific issues: townhomes/row homes are ineligible in Preferred; in Standard, more than 2 attached homes require underwriting review; flat roofs are ineligible in Preferred and require prior underwriting approval in Standard. Day Care Homeowners additionally disallows swimming pools and solid-fuel/woodburning appliances. Geographic notes published on the official site indicate Allegany serves New York and Pennsylvania; the public homeowners page states the Homeowners Program is for owner-occupied 1-2 family homes in NY and PA. Broker/producer notes: submissions appear to be agent-mediated; the site directs prospects to find an agent, and agents access carrier systems through the Agent Login/Mutual Expert portal. The product guide repeatedly instructs agents to contact underwriting for exceptions, borderline risks, attached-home questions, flat-roof approval, on-premise business exposures, and additional classifications. No public standalone appetite page for Home was found beyond the product guide and product pages, and no detailed public submission checklist was posted.