Assurant Specialty Property
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
Assurant’s verified producer-facing flood guidance remains centered on NFIP/WYO flood and related private flood solutions. For NFIP, Assurant positions itself as an in-house underwriter/servicer for standardized WYO business and highlights support for single-family homes, two- to four-family homes, individual residential condo units, RCBAP/condo association policies, and NFIP coverages for non-residential/commercial properties. Producer messaging emphasizes broad flood solutions, competitive commissions, in-house underwriting/servicing, and use of FloodPort to manage NFIP policies written through Assurant. NFIP business is underwritten by American Bankers Insurance Company of Florida. For private residential flood, Assurant promotes Flood Choice through FloodPort, allowing agents to compare NFIP and private residential quotes side by side, including coverage, limits, and premiums. For private commercial flood, Assurant publishes clearer eligibility parameters than on the NFIP page: target risks include nonresidential structures, professional/office buildings, and other business-use properties, with coverage available on a primary commercial or excess layer basis. Published commercial capacity/features include up to $1M building coverage, up to $500K contents, and optional FlexCash discretionary funds up to $10K for eligible claims. Geographic/eligibility notes for private commercial flood: available in all U.S. states except Alaska and Louisiana; eligible pre-FIRM and post-FIRM buildings in eligible NFIP communities in A and V flood zones; B, X, and D/non-SFHA risks may be considered case by case; pre-FIRM properties with elevation difference of -1 or higher are specifically referenced as eligible. Restricted/declined private commercial classes include buildings partially or fully over water, not fully walled/roofed structures, buildings under construction, locations in Coastal Barrier Resources Act areas or on islands/barrier islands, Severe Repetitive Loss properties, and buildings with two or more claims. Submission/process notes available from official sources: agents quote and manage NFIP and private flood via FloodPort/Assurant portals; commercial quoting materials indicate a quick quote can be converted to an application, with workflow sections for community/flood zone determination, rating data, coverages, deductible options, lender details, and submission/payment, and note that additional documents or underwriting may be required. Producer support contacts are published for private flood portal access, policy/quoting support, and claims. No separate official Assurant Specialty Property standalone appetite guide or detailed broker submission manual specific to NFIP was verified beyond these producer-facing flood pages and portal materials.