Allied Trust Insurance Company
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
Allied Trust is an admitted personal-lines property carrier distributing through independent agents, with current published home-related availability in Louisiana, Texas, North Carolina, and South Carolina. The official site presents homeowners insurance as owner-occupied home coverage and notes the company operates only in select markets based on underwriting standards and regional risk conditions. Public-facing guidance indicates current product/state availability as: Homeowners (HO-3) in LA, TX, NC, and SC; Dwelling Fire (DP-3) in LA and TX; Condo (HO-6) in LA and TX; Flood in LA, TX, NC, and SC; and Personal Umbrella in LA and TX. The agent portal is segmented for Louisiana, Texas, and the Carolinas, with separate handling for North Carolina/South Carolina Lighthouse assumption business, so producers should use the state-specific portal and business type workflow. Published appetite detail is limited; no formal public appetite guide or class-by-class underwriting manual was verified on the official site. Based on the verified pages, preferred business appears to be personal residential property submitted through appointed independent agents in active states, especially standard homeowners and related personal property lines. Geographic notes: products are not available in all states, current expansion is selective, and coastal/regional risk conditions may affect availability and underwriting review. Submission/underwriting requirements publicly disclosed are high level only: issuance is subject to underwriting review and approval, agents must access the portal for new business and renewals, and prospective agencies must submit agency profile details such as agency type, years in business, locations, producer count, management system, comparative rater, and HO3/DP3 production metrics when seeking appointment. Broker/producer notes: Allied states it is selective about agency partnerships and works through independent agents; customer service and claims are centralized through Allied/Allied Underwriters contacts. No verified public list of explicitly declined classes, construction restrictions, protection class limits, age-of-home rules, roof rules, or binding authority details was found on the official website, so those items should be confirmed directly through the appointed agent portal or carrier marketing/underwriting contacts.