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
Carrier/Program: Allstar Underwriters – Tower Hill Specialty Homeowners Programs. Preferred / target business (Homeowners – HO3): - Owner-occupied or seasonal primary/secondary residences. - Homes 80 years of age or newer; older than 80 acceptable only via DP1 dwelling program. - Dwelling Coverage A values from $150,000 to $500,000. - Any ISO Protection Class, including PC 9–10. - Comprehensive homeowners coverage with replacement cost on dwelling and other structures; contents ACV with option to buy replacement cost. - Multiple prior losses are acceptable (up to at least several in recent years) when otherwise controllable; this program is designed to accommodate more challenging personal lines risks vs national standard markets. Basic-form homeowners options (HO1 Basic / HO1 Basic Plus – Tower Hill Specialty via Allstar): - Age of home: typically 80 years old or newer; older dwellings considered if renovated. - HO1 Basic: Min Coverage A $75,000; max $500,000. - HO1 Basic Plus: Min Coverage A $75,000; max $250,000. - Occupancy: owner‑occupied and seasonal dwellings (no primary emphasis on rental/tenant-occupied; occasional or short-term rental generally needs underwriter review). - Coverage: Named-perils homeowners form; personal property at 40% of dwelling limit; HO1 Plus includes some additional named-peril enhancements. - Personal liability: $25,000 included, with option to increase limits up to $300,000. - Protection class: any, including 9 and 10; program is intended to accommodate nonstandard PC. - Prior claims: multiple claims acceptable, up to three losses in the past three years, subject to underwriting review. - Loss settlement: generally Actual Cash Value with optional Modified Functional Replacement Cost (MFR) where available. Coastal / wind exposure: - Coastal risks are acceptable, including properties in wind pool territories, subject to wind/hail restrictions in Wind Pool Zone 1. - Expect special wind deductibles, exclusions, or mandatory endorsements on coastal or near‑shore accounts; verify state-specific forms and any separate wind/hail carrier arrangements before binding. Geographic notes: - Tower Hill Specialty is a residential and commercial property specialist with emphasis on the Southeast; appetite is strongest in Tower Hill’s active states (e.g., FL and surrounding SE region) with a focus on underserved or harder-to-place home risks. - Allstar Underwriters operates as an MGA/wholesale broker; placement may be on admitted or E&S paper depending on the specific risk and state. Retail agents should confirm state availability and program status with their Allstar Underwriters contact before marketing. Submission requirements / producer notes: - Business is written through Allstar Underwriters as MGA/wholesale; retail agents must be appointed with Allstar and, where required, with Tower Hill Specialty. - Use Allstar’s homeowners/Tower Hill application and any required state supplements; include current photos, details of any prior losses (3+ years), age/update information for roof, plumbing, electrical, and HVAC, and protection details (PC, distance to hydrant, alarms, etc.). - Coastal or wind‑exposed submissions should clearly identify distance to coast, wind pool zone, and any existing or requested wind exclusions/deductibles. - Older dwellings (>80 years) or those outside stated value ranges should be referred to an underwriter (likely via the DP1 dwelling program) with explanation of condition and any renovations. - Risks with more than three losses in three years, significant unrepaired damage, or substantial liability concerns require prior underwriter approval and may need alternative placement. Declined / restricted risks (inferred from guidelines): - Homes outside stated value ranges for each form (e.g., < $75,000 Coverage A or > $500,000 for HO1 Basic and HO3; > $250,000 for HO1 Basic Plus) unless specifically approved. - Dwellings older than 80 years that have not been renovated or lack acceptable updates to critical systems. - Non‑owner-occupied rentals used as full‑time short‑term rentals, rooming houses, or similar nonstandard occupancies, unless specifically underwritten under a dwelling or specialty form. - Severe coastal wind exposures without ability to apply wind/hail restrictions or separate wind coverage. Operational takeaways for brokers: - Use HO3 for standard/near‑standard owner‑occupied or seasonal homes within value band; move older or distressed properties to DP1 or HO1 forms as appropriate. - Coastal and PC 9–10 risks are within appetite, but expect underwriting scrutiny on construction, roof age, and wind mitigation. - Up to three prior losses in three years can still be written; provide detail in submission and expect pricing and deductible adjustments. - Always confirm current state availability and program status with your Allstar Underwriters contact; Tower Hill Specialty programs can change quickly with coastal and reinsurance conditions.