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
Official Assurant flood-agent materials currently emphasize Flood only, centered on Write Your Own (WYO) NFIP business with related private flood options. Preferred business includes standard NFIP placements for single-family homes, 2-4 family homes, individual residential condo units, Residential Condominium Building Association (RCBAP) policies, and NFIP coverage for non-residential/commercial properties. Assurant also promotes private commercial flood for nonresidential structures, professional/office buildings, and other business-use properties, with eligible buildings potentially written on a primary commercial or excess-layer basis. For residential agents, Assurant Flood Choice is positioned as a comparative quoting tool that shows NFIP and private flood options side by side, including coverage, limits, and premium comparisons. Geographic guidance is U.S.-focused; the materials describe Assurant as serving real estate assets throughout the United States and reference federal NFIP participation rather than state-specific appetite carve-outs. No explicit declined classes, prohibited occupancies, CAT-zone exclusions, or coastal/state restrictions were published on the verified public producer pages reviewed. Submission and servicing guidance is portal-driven: NFIP policies written through Assurant are managed in FloodPort, and Assurant states that NFIP is underwritten by American Bankers Insurance Company of Florida. Private flood policies are quoted and managed through Assurant’s private flood portal, while residential comparison quoting is available within FloodPort. Broker/producer notes: Assurant highlights competitive commissions, in-house underwriting/servicing, responsive claims handling, and encourages agents to contact a flood expert through its flood contact form for support as NFIP reforms and the private flood market evolve. Overall, the verified public guidance is more producer-marketing and operational than a detailed underwriting appetite guide; detailed decline rules or class restrictions were not publicly posted on the official pages reviewed.