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
AssuranceAmerica is a non‑standard personal lines carrier focused on affordable auto and renters insurance distributed through independent agents across a limited set of states (currently AL, AZ, FL for auto only, GA, IN, KS – renters only, NE, OH, OK, PA, SC, TN, TX, VA). It does not appear to actively write standard homeowners; their property offering is renters only, so treat any request for HO forms as out of appetite and place elsewhere. Preferred business (renters): - Tenants in standard residential occupancies (apartment units or typical 1–4 family dwellings) in active AssuranceAmerica states. - Basic personal property and liability needs rather than complex schedules; target is price‑sensitive, mainstream renters needing minimum essential coverage. - Risks placed through contracted independent agents using AssuranceAmerica’s rating/quote platform; carrier positions itself on accessibility and not using credit score for pricing, so volume of non‑standard personal lines is expected. Restricted / declined classes (operationally): - Owner‑occupied homes or traditional homeowners policies (HO‑3, HO‑5, etc.) – out of product scope; AssuranceAmerica markets renters only on the property side. - Locations outside their active state footprint, or risks that require surplus lines or complex property underwriting (e.g., high‑value homes, mixed‑use buildings, heavy prior losses) should be steered to other markets. - Commercial property or habitational risks where the insured is the building owner or landlord, not a tenant. Geographic notes: - Personal P&C footprint is concentrated in the Southeast and selected Midwestern/Plains states. As of the current public site, available states are: AL, AZ, FL (personal auto only), GA, IN, KS (renters only), NE, OH, OK, PA, SC, TN, TX, and VA. Verify state availability at time of quote, as the company notes that it is expanding into new states and segments. Submission / workflow expectations for agents: - Business is written through a network of more than 9,500 independent agents using the company’s online quoting and policy platform. New business should be fully rated and bound in that system rather than submitted as manual accord apps. - Agents should follow line‑of‑business questions and eligibility screens embedded in the rater (including any SR‑22 need for auto); renters eligibility is driven primarily by address, occupancy type, and basic risk questions rather than detailed HO‑style underwriting. - Service transactions (ID cards, billing, documents) are expected to be handled via the insured’s online or app access; agents should direct policyholders there for routine service, reserving underwriting contact for true eligibility or risk‑change issues. Broker / producer notes: - Distribution is via appointed independent agents, not open brokerage; a direct appointment or aggregator relationship is typically required before accessing the portal. - The company’s value proposition is non‑standard personal lines with simplified underwriting, no use of credit score in rating, and competitive pricing for minimum‑to‑moderate limits. Position renters alongside auto where possible to improve retention. - For property needs beyond basic tenant coverage (true homeowners, higher‑value or complex dwellings), producers should plan to use alternative homeowners markets, as AssuranceAmerica’s public materials do not indicate an HO product and focus instead on renters coverage only.