Cabrillo Coastal
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
Public Cabrillo Coastal material is product- and state-focused and does not publish a formal appetite/underwriting guide. Operational takeaways below are inferred from their product and state pages and should be supplemented with carrier manuals via the producer portal. Preferred business / target profile - Coastal and catastrophe‑exposed residential property in participating states (AL, CA, DE, FL, MS, NC, NJ, NY, RI, SC, TX) with a focus on homes, manufactured homes, and community/association risks. Their positioning as “coastal property insurance specialists” and emphasis on catastrophe‑exposed property indicates they are seeking coastal/wind‑exposed risks that fit underwriting controls rather than standard inland only.([cabgen.com](https://cabgen.com/products/)) - Owner‑occupied 1–4 family homes written on HO3 in participating states. These are framed as comprehensive ‘all‑risk/open peril’ homeowners offerings, with typical coverage for dwelling, other structures, contents, loss of use, personal liability and med pay.([cabgen.com](https://cabgen.com/products/)) - Coastal homes in California that need a Difference‑in‑Conditions wrap over the California FAIR Plan: Cabrillo markets an admitted HO3‑DIC to provide water, theft, liability and other perils the FAIR Plan does not address, indicating a target of otherwise hard‑to‑place CA coastal homes when paired with FAIR.([cabgen.com](https://cabgen.com/products/)) - Seasonal/secondary and rental dwellings using DP3, including up to four‑family units, especially where insureds want to limit personal property coverage and tailor only necessary coverages (common for rental/seasonal inventory).([cabgen.com](https://cabgen.com/products/)) - Manufactured homes in Florida via MDP1 and MHO3: MHO3 is described as a more comprehensive option commonly sought in the FL marketplace compared to basic form MDP1, suggesting a preference for better‑quality manufactured homes that justify broader coverage.([cabgen.com](https://cabgen.com/products/)) - Condominium unit owners on HO6 in AL, DE, FL, NJ, and other indicated states; they emphasize HO6 as mandatory in FL and highlight coverage for interior building items, contents, loss of use, liability, med pay, and loss assessment, indicating alignment with well‑run associations and compliant condo owners.([cabgen.com](https://cabgen.com/products/)) - Community/association and building risks (CPP) in FL and TX: Cabrillo offers commercial property coverage for condo associations and buildings, including building, contents, business income and optional value‑added coverages, targeted at community association risks in catastrophe‑exposed coastal regions.([cabgen.com](https://cabgen.com/products/)) Restricted or declined classes (inferred) - No explicit public list of prohibited classes is provided. Appetite is clearly focused on residential property; there is no indication of auto, general standalone commercial GL, or non‑property lines, which should be assumed out of scope. - Given their catastrophe‑focused positioning and partnership with US Coastal P&C and Safe Harbor, expect tighter controls or declinations for: older or poorly maintained roofs, unmitigated wind/hurricane exposures, and non‑standard occupancies (boarders, rooming houses, certain short‑term rental intensities) unless specifically allowed in program materials not published publicly. These items are not stated on cabgen.com but are consistent with their role as program administrator for admitted and E&S carriers and should be confirmed in the agent manual. Geographic notes - Active personal lines footprint: HO3 is available in AL, CA, DE, FL, MS, NJ, NY, NC, RI, and SC. HO3‑DIC is available in CA only as a FAIR Plan wrap. DP3 is available in FL, MS, NJ, NY, and RI. MDP1 and MHO3 are available in FL. HO6 is available in AL, DE, FL, and NJ (plus additional HO6 states listed on some state pages).([cabgen.com](https://cabgen.com/products/)) - Commercial residential (CPP – condo associations/building and personal property) is available in FL and TX only.([cabgen.com](https://cabgen.com/products/)) - State pages clarify that Cabrillo acts as program administrator and distributes through financially secure carriers such as US Coastal Property & Casualty Insurance Company and Safe Harbor Insurance Company. For example, the Alabama page shows HO3 written through US Coastal P&C and HO6 through Safe Harbor; similar structures apply in other states, which may affect form, rating, and eligibility by carrier.([cabgen.com](https://cabgen.com/states/alabama/)) Submission / underwriting process - All detailed underwriting, eligibility, and rating rules are gated behind the producer portal (agents.cabgen.com). Public pages direct producers to log in for quoting and management, implying that the system is the primary channel for submissions and that complete applications are expected to be entered and bound through the online platform rather than via manual accord submissions.([cabgen.com](https://cabgen.com/products/)) - New agency appointments: prospective producers must complete an online “Become a Producer” form providing agency details (name, principal, contact info, year established, appointment states requested, average monthly written premium, book‑roll opportunity, and top carriers with premium and loss ratios). They must choose whether the appointment is for personal or commercial lines (commercial available only in FL and TX), suggesting Cabrillo evaluates appointment based on production potential and loss performance.([cabgen.com](https://cabgen.com/producers/)) - Claims are reported and tracked through Cabrillo’s online policyholder portal and Harbor Claims (linked as a partner), but this is operational rather than appetite guidance. Broker / producer notes - Cabrillo emphasizes: (1) specialization in catastrophe‑exposed coastal property, (2) stable, competitive products, and (3) strong reinsurance backing through partner carriers like US Coastal P&C and Safe Harbor. Agents should position the programs as solutions for coastal and wind‑exposed residential and association risks that may be harder to place with standard admitted carriers.([cabgen.com](https://cabgen.com/about/)) - Sales management is organized by territory (e.g., multiple California regions, FL regions, AL/MS, NY, NJ/RI), and contacts are listed on the Producers page; producers are encouraged to work directly with these sales managers for questions on appetite nuances, large or complex accounts, and potential book‑rolls.([cabgen.com](https://cabgen.com/producers/)) - Because carrier paper varies by state and product (US Coastal P&C vs Safe Harbor and others), producer expectations include verifying current carrier ratings (Demotech and KBRA links for US Coastal P&C are embedded on state pages) and ensuring placement on the correct program per risk and geography. Net: treat Cabrillo as a coastal‑focused program administrator offering HO3/HO3‑DIC, DP3, manufactured home, HO6, and condo association/CPP products through partner carriers. Appetite is centered on catastrophe‑exposed but insurable residential and association risks in the listed coastal and near‑coastal states; detailed eligibility (roof age, distance to coast, prior losses, occupancy, etc.) must be confirmed via the producer portal manuals or with the territorial sales manager.