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 guidance is the Homeowner Program page written through Tower Hill Specialty. Appetite is for HO3 homeowners risks with homes 80 years old and newer; homes older than 80 years are directed to the DP1 dwelling program instead. Published value band is minimum Coverage A/home value of $150,000 and maximum $500,000. Preferred occupancies are owner-occupied and seasonal homes; occasional rental exposure is acceptable. Coverage is comprehensive, with replacement cost on dwelling and other structures, ACV on contents with optional contents replacement cost. $100,000 personal liability is included, with higher limits available up to $500,000. Any fire protection class is acceptable, including PC 9 and 10, and multiple prior claims are stated as acceptable. Geographic note: the page references Tower Hill Specialty as a Southeast-focused residential property insurer, but the home program page reviewed does not publish a state list, so confirm state availability before quoting. Submission requirements/instructions: Allstar provides a Homeowner Application/ACORD 80 form for this program; the form collects property details, prior loss history, prior carrier information, occupancy, updates/renovations, pool and fuel storage details, indicating a standard residential submission package should include a completed application and full risk details. Broker/producer notes: materials are intended for licensed insurance agency use only; the site offers a Get Appointed form and Tower Hill appointment packet in agent resources. The broader agency agreement states agents must be appointed before submitting company business, may not use unappointed brokers/subagents to bind, and must forward applications/binders within 3 business days and premium finance agreements within 3 business days. No separate published decline list was found on the verified official home page beyond the age cutoff redirecting older homes to DP1.