Allstar Underwriters
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 current published home underwriting guidance is for the Homeowner Program (Tower Hill Specialty partner) on Allstar’s personal/property pages. Published appetite is specialty residential property with key focus on HO3 homeowners and related dwelling/manufactured home/condo offerings. For the posted HO3 guidelines, preferred risks include homes 80 years old or newer, insured values from $150,000 to $500,000, owner-occupied and seasonal occupancies, with occasional rental coverage available. Program features note comprehensive coverage, included $100,000 personal liability with option to increase to $500,000, replacement cost on home and other structures, and acceptance of any fire protection class including PC 9 and 10. Multiple prior claims are stated as acceptable, indicating a tougher-property/non-standard placement angle. Restricted/declined business is not fully spelled out on the public page, but homes older than 80 years are directed away from HO3 to the DP1 program, so older homes should be treated as outside standard HO3 appetite unless submitted under an alternate program. Geographic notes are limited in the public guidance; Tower Hill Specialty is described as headquartered in Florida and a leader in the Southeast, but the Allstar public page does not publish a full state list for this homeowner program. Submission/broker notes: site content is explicitly intended for licensed insurance agency use only, not insureds; brokers/producers should use the appointment resources/Get Appointed process before placing business where required. A Tower Hill appointment packet/background form and homeowner application are available from the site resources, suggesting submission readiness should include completed homeowner application and any carrier appointment materials. Practical takeaway: submit niche-to-challenging residential property risks fitting HO3 age/value/occupancy parameters, especially where broad protection class acceptance, occasional rental exposure, or prior claims tolerance are needed; verify state availability, binding authority, and any unposted declinations directly with Allstar before quoting or binding.