Anchor Property & Casualty 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
Official site and producer portal indicate Anchor Property & Casualty is not currently writing new business in Florida for its FL Premier Homeowners and Dwelling Fire programs; the most operationally current producer-facing note appears on the login portal, while the published underwriting reference guide remains the detailed eligibility source. Home appetite is Florida-focused and aimed at well-maintained owner-occupied risks showing pride of ownership. Preferred characteristics in the published guide include protection class 1-9, homes on up to 10 acres for binding (up to 25 acres by submission), central HVAC, acceptable roof age/type by material, and coastal condos only if masonry/superior construction, at least 3 stories, and not ground-floor. Restricted/referred items include PC10 risks (subject to approval/conditions), larger acreage, older roofs by type, more than 5 solar panels, prior-loss concerns, lapses in coverage, and certain livestock exposures. Declined/ineligible classes/conditions in the published guide include wood shake/shingle, rolled tar, aluminum/tin/corrugated metal roofs; hazardous electrical conditions including Federal Pacific/Zinsco/Challenger/Stab-Loc/Sylvania panels, fuse/knob-and-tube, and inadequate aluminum branch wiring remediation; business/commercial exposure except permitted incidental occupancy; burglar bars; unfenced pools; bankruptcy/foreclosure/repossession within 5 years; felony/insurance fraud histories; certain dog breeds and dangerous/exotic animals; and HO3 ownership by LLC/corporate entities (though such ownership may be eligible under DP3, and LLCs may be eligible for tenant-occupied condos). Geographic notes: underwriting guide is Florida-specific, includes hurricane/tropical storm binding restrictions, and notes coastal distance restrictions may apply through quote output except where condo exceptions are met. Submission/producer requirements noted in official materials include signed no-loss statements for lapses, upload/documentation requirements for certain electrical conditions and prior insurance issues, underwriting review for specified claims/loss history and special risks, proof of separate ATV liability coverage when applicable, and producer review of eligibility before binding. The older home manual also states binding cannot occur on ineligible risks, binders may not exceed 30 days, replacement cost below standard requires prior approval, and endorsement requests must be mailed within 5 business days of binding to be honored. Producer/broker notes: customer service and underwriting contacts are published in the guide, and the portal currently directs agents needing policy servicing to customer service because new Florida business is no longer being written.