Assurance America
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
No publicly available, carrier-authored underwriting or appetite guide for AssuranceAmerica could be located on the open web. Operational guidance below is therefore limited to what can be inferred from public-facing materials and should not be treated as a substitute for the official agent portal rules. Current product focus and geography - Lines actively referenced by the carrier today: non‑standard personal auto insurance and renters insurance. Commercial auto is referenced in some third‑party descriptions, but the primary website and recent press describe the company as focused on auto and renters. - States currently listed as active for AssuranceAmerica: AL, AZ, FL (personal auto only), GA, IN, KS (renters only), NE, OH, OK, PA, SC, TN, TX, VA. Auto and renters availability varies by state (e.g., Kansas renters only). - Distribution is 100% through independent agents and select digital partners; the site emphasizes 9,500+ local agents and growing, with no direct-to-consumer phone sales force. Implied target business (inferred, not official rules) - Non‑standard personal auto is the core book, including price‑sensitive drivers who may be underserved by standard carriers (as suggested by positioning with MGAs and non‑standard auto agencies and marketplace reports categorizing AssuranceAmerica as a non‑standard private passenger auto writer). - Renters: budget‑oriented tenants in the listed operating states; typically sold as a companion or cross‑sell to auto. Restricted / declined classes - No explicit public list of prohibited drivers, vehicles, or renters risks is available. Given their non‑standard focus, agents should assume there are detailed disqualification rules inside the agent portal regarding DUIs, severe violations, unlicensed drivers, garaging mismatches, and prior loss frequency. - Florida is identified as personal auto only, implying that renters and other lines are not currently written in FL. - Kansas is identified as renters only, implying personal auto is not available there presently. Submission and quoting expectations (agent-facing, inferred) - Business is expected to be submitted electronically via appointed agency management systems or a proprietary online portal (referenced indirectly through digital quote/start‑a‑quote tools and partner MGAs). Agents should be prepared to: - Enter complete driver, vehicle, and prior insurance details at point of quote. - Upload or retain documents necessary for proof of prior insurance, proof of residency/garaging, driver’s licenses or foreign licenses where permitted, and any SR‑22/FR‑44 filings if applicable. - Customer‑facing site describes same‑day coverage upon completion of quote and selection of start date, implying binding authority for agents is controlled through the portal and subject to automated eligibility checks. Broker / producer notes - AssuranceAmerica writes exclusively through independent agents and markets itself on its large appointed network. Prospective agents are directed to apply to become an agent via a dedicated agent application path on the public site, but detailed qualification or volume thresholds are not published. - Public content emphasizes that agents are the primary educators for state minimum limits and optional coverages; producers should be prepared to explain state‑specific minimum auto liability limits and renters coverage options. - There is no public statement of premium volume commitments, loss‑ratio expectations, or detailed agency performance standards; these are likely set out in agency agreements and internal agent resource centers. Because no official underwriting guide or appetite PDF is public, all specific eligibility, rating factors, surcharges, and disqualification rules must be confirmed within the secure AssuranceAmerica agent portal or via your marketing/territory rep. Treat the above as directional only for front‑end triage and not as binding underwriting rules.