Atlas General Agency
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
Operational scope - Atlas General Agency is a Texas-focused MGA writing only residential property insurance, distributed exclusively through independent agents. They provide in‑house underwriting, billing, policy processing and claims for their programs and carrier partners.([atlasgeneral.com](https://www.atlasgeneral.com/?utm_source=openai)) Products / forms - Offers a ‘full line of residential property products’ for Texas: Homeowner, Dwelling Fire, Renters and Condominium forms. ([atlasgeneral.com](https://www.atlasgeneral.com/products/?utm_source=openai)) - Texas policy forms specifically listed: Homeowner (HOB, HOA+, HOA), Dwelling Fire (TDP‑1, TDP‑2, TDP‑3), plus HOB‑T, HOB‑Con, and tenant/renters forms (e.g., HO‑BT, TDP3+ via partner bulletin). Note: not all forms are available in all programs.([qa.atlasgeneral.com](https://qa.atlasgeneral.com/products?utm_source=openai)) Preferred / target business (inferred from product positioning) - Texas 1–4 family owner‑occupied dwellings needing Homeowners Form B (HOB) or enhanced HOA/HOA+ coverage. - Texas rental dwellings and small schedules that fit Dwelling Fire TDP‑1/2/3 or TDP‑3+ forms. - Texas condo unit‑owners (HOB‑CON / HO‑B‑CON) and tenants needing broad contents/liability coverage. - Standard to moderately complex residential property risks that benefit from local MGA underwriting and carrier‑developed programs; Atlas emphasizes competitive pricing, comprehensive coverage and strong carrier partners.([atlasgeneral.com](https://www.atlasgeneral.com/products/?utm_source=openai)) Key eligibility / appetite indicators (from program highlights; may vary by carrier program) - Dwelling values up to at least $500,000 in some partner programs; higher may be available but not stated in public material.([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) - Public Protection Class (PPC) 1–10 acceptable in at least one homeowners/dwelling program, subject to other underwriting criteria.([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) - Asphalt/composition shingle roofs only in some programs (other roof types likely restricted or declined under those specific carrier programs).([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) - Pre‑bind inspections required and underwriter approval needed for older homes, e.g., risks built prior to 1973 in at least one carrier‑specific program, before policy upload/bind.([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) Restricted / declined characteristics (high‑level, cross‑program direction) - Atlas does not publish a consolidated public appetite/decline list for homeowners, but current partner bulletin examples imply: - Tight controls on roof type and, by implication, roof condition (e.g., asphalt/composition only in some programs; other materials likely require referral or are ineligible). - Additional scrutiny and pre‑bind inspections for older housing stock (pre‑1973) with explicit underwriter signoff before binding. - County/territory limitations by carrier program (example: one Insurors Indemnity program written statewide except Harris & Fort Bend Counties, Tier 1 offered without wind), signaling that coastal/wind‑exposed or CAT‑prone Texas counties may be restricted or handled in separate programs/forms.([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) Geographic notes - Atlas General Agency’s residential property business is Texas‑only; all forms and program references are specific to Texas and Texas policy forms.([atlasgeneral.com](https://www.atlasgeneral.com/?utm_source=openai)) - Within Texas, specific carrier programs may exclude or limit certain counties (e.g., Harris and Fort Bend) or treat Tier 1 coastal counties differently (e.g., no wind or separate wind requirements). Always confirm county eligibility and wind handling by program.([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) Submission / underwriting process - Atlas provides ‘in‑house underwriting’ and assigns underwriters who take a practical approach to risk acceptability; underwriters are accessible by phone for referral/exception discussions.([atlasgeneral.com](https://www.atlasgeneral.com/services/?utm_source=openai)) - For at least one homeowners/dwelling program: - Pre‑bind inspections are required for older dwellings (e.g., built prior to 1973) and must be reviewed and approved by an Atlas underwriter before the policy can be uploaded/bound. - Standard limit and deductible parameters include: dwelling values up to $500,000, liability limits up to $300,000, and deductibles from $250 up to percentage deductibles (e.g., 5%), subject to program.([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) - Atlas is a full‑service MGA; they manage billing and claims in‑house on behalf of carrier partners, so all servicing remains with Atlas rather than the underlying carrier for day‑to‑day issues.([atlasgeneral.com](https://www.atlasgeneral.com/?utm_source=openai)) Broker / producer notes - Atlas works ‘solely with independent agents’ for these residential property programs; direct‑to‑consumer submissions are not indicated.([massmail.selectinsurancemarkets.com](https://massmail.selectinsurancemarkets.com/AttachFiles/14/News%20Article.pdf?utm_source=openai)) - Agents must be contracted/appointed with Atlas; they can access Atlas products and services as a ‘full‑service managing general agency’ that offers underwriting, billing, claims and technical support.([qa.atlasgeneral.com](https://qa.atlasgeneral.com/products?utm_source=openai)) - For program‑specific nuances (county eligibility, wind options, roof restrictions, age‑of‑home rules), producers are expected to follow program bulletins and, when in doubt, contact their assigned underwriter for clarification or exceptions.([atlasgeneral.com](https://www.atlasgeneral.com/services/?utm_source=openai)) Practical operational guidance - Treat Atlas as a Texas‑only residential property MGA: route all Texas homeowners, landlords, renters and condo risks that fit standard forms (HOB, HOA/HOA+, TDP‑1/2/3, condo/tenant forms) through their programs. - Screen upfront for: - Location (Texas only; confirm county and whether in Tier 1/coastal where wind may be excluded or separately handled). - Roof type (prefer asphalt/composition; non‑standard roofs should be treated as referral risks and may be declined in some programs). - Year built (pre‑1973 or other older vintages will typically need inspection and explicit underwriter approval prior to binding). - Basic value and liability ranges (dwelling ≤$500k, liability ≤$300k for standard programs; higher limits likely require referral or separate programs). - Ensure pre‑bind inspection requirements are met and results sent to Atlas underwriting before attempting to upload/bind any older‑home risks in affected programs. - Because detailed class‑by‑class ineligible lists are not public, use Atlas’ assigned underwriter as the primary channel for clarifying edge cases, older properties, unusual construction or high‑hazard locations, and document approvals in the file.