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
Official Pennsylvania product guide dated 10/24 is still published and appears to be the primary underwriting/appetite reference for Allegany’s PA personal lines. For Home, Allegany targets owner-occupied primary residences. Preferred Homeowners is for permanent primary owner-occupied 1-family homes with superior maintenance, central heat, no solid fuel burners, minimum Coverage A of $100,000, and at least 90% replacement cost. Preferred underwriting favors newer updates: roof and heating about 15 years or newer and electrical about 15 years or newer. Standard Homeowners is for owner-occupied 1-2 family primary residences, generally requiring roof within 15 years, electrical within 30 years, heating within 25 years, and 80%-100% replacement cost; ACV is available. Seasonal Homeowners is available when the property is not rented more than 6 weeks per year; if rented longer, Allegany directs review under Landlord or Dwelling Fire. Tenant Homeowners has minimum contents limits of $7,000 ACV / $10,000 RC. Mobile Homeowners is for owner-occupied homes generally 10 years old or newer, with RC available for homes 6 years old or newer and minimum Coverage C of $7,000. Dwelling Fire is the broad outlet for harder-to-place 1-4 family risks including owner, primary, seasonal, tenant-occupied, builders risk/renovation, vacant or for-sale, low-value, and some multiple-owner/business-owner properties, subject to specific listing and property manager requirements. Restricted or declined characteristics across Home programs include on-premises business exposures unless reviewed by underwriting, prior cancellations/non-renewals/non-pay/lapses/bankruptcy/foreclosure, vacancy in standard HO forms, space heaters, unfenced in-ground pools or pool slides, and insureds titled as LLCs or corporations for standard homeowner products. Preferred specifically declines flat roofs and townhomes/row homes; Standard says more than 2 attached homes should be referred and flat roofs require prior underwriting approval. Preferred prohibits solid fuel burners; for pellet or coal Allegany instructs agents to notify underwriting. Mobile Homeowners also flags solid-fuel stoves and inaccessible risks as unacceptable/refer. For Dwelling Fire/Landlord-type risks, out-of-state or absentee landlords do not qualify. For owner-occupied dwelling risks, pools may be acceptable with no slide plus self-locking gate for above-ground pools and fencing for in-ground pools. Geography: Allegany publicly states it serves New York and Pennsylvania, and the verified underwriting guide provided here is the Pennsylvania 10/24 edition. Submission/broker notes: Allegany’s Agent Resource Hub is the official producer resource page and directs agents to use the PA/NY product guides, company forms, and E2Value for replacement-cost estimation. The guide repeatedly instructs agents to contact/notify underwriting for borderline items such as on-premises business, pellet/coal heat, flat roofs, adverse history, and attached-home exceptions. For some seasonal submissions the guide indicates supporting proof is required with submission, and for Dwelling Fire with multiple owners/business ownership Allegany requires all individuals and primary addresses listed plus property manager information; preferred landlord-style placements additionally require a property manager, applicable leases, and HO-4 coverage for tenant/contents-CPL situations when applicable.