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
No publicly accessible, carrier-issued homeowners underwriting or appetite manual is posted on Cabrillo Coastal’s site as of this review. Available guidance is inferred from product descriptions and producer content and should be supplemented with state/program-specific manuals available inside the producer portal. Preferred business / product focus - Core focus is residential property in catastrophe‑exposed and coastal areas (single‑family, seasonal/secondary, rental, manufactured, condo, and associations), written via admitted products in multiple states. - Homeowners (HO3) is offered in AL, CA, DE, FL, MS, NJ, NY, NC, RI, SC – indicating appetite for standard to moderately challenged home risks in these coastal and near‑coastal markets. - HO3‑DIC is offered only in California to wrap the CA FAIR Plan or equivalent, targeting homes that need FAIR Plan fire/wind coverage but still qualify for an admitted DIC companion policy. - Dwelling Fire (DP3) targets seasonal, secondary, and rental dwellings up to 4 units, primarily investment or non‑primary occupancy risks in FL, MS, NJ, NY, RI. - Manufactured Home (MDP1) is a basic form for tenant‑occupied or some primary manufactured homes in FL, generally for more limited or value‑driven placements. - Manufactured Homeowners (MHO3) in FL is a more comprehensive manufactured home solution, preferred over basic MDP1 where homes and insureds qualify. - HO6 condo unit‑owners policies (AL, DE, FL, NJ) and Commercial Property Policies (CPP) for condominium associations and similar residential communities (FL, TX) indicate strong appetite for shared‑wall and association‑driven residential property. Restricted / declined classes (inferred – confirm in manuals) - Explicit ineligible/declined classes are not listed publicly. Given catastrophe focus and HO3/DP3/MHO3 positioning, expect standard coastal restrictions: high‑risk construction features, severe prior loss history, poor condition/maintenance, unmitigated hurricane exposure, and unprotected or wildfire‑exposed locations may be restricted or require underwriting approval. - HO3‑DIC is intended only as a companion to CA FAIR Plan or equivalent; risks not insurable on FAIR Plan or that do not meet DIC program criteria would be declined from this line. - DP3 and MDP1 emphasize limited, basic, or rental‑oriented coverage; higher‑value or complex schedules may be redirected to other forms or declined if not within program parameters. Geographic notes - Personal lines footprint (per product availability) includes: Alabama, California, Delaware, Florida, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina; CPP also in Texas. - CA: HO3 and HO3‑DIC; DIC is specifically designed to supplement FAIR Plan to approximate comprehensive HO coverage, particularly for homes in brush or high‑fire or other distressed markets. - FL and Gulf/Atlantic coastal states: multiple lines (HO3, DP3, manufactured, HO6, CPP) reflect deliberate coastal/cat‑exposed appetite; local wind, hurricane, and flood rules, mitigation requirements, and distance‑to‑coast rules are assumed but not stated publicly. Submission / underwriting process - Detailed underwriting rules, eligibility criteria, and quoting/binding workflows appear to be contained within the secure producer portal (agents.cabgen.com). Retail and wholesale producers must use this portal for real‑time quoting and submission. - For HO3‑DIC with FAIR Plan, producers are expected to coordinate with FAIR Plan placement separately, then use the Cabrillo DIC form as the wrap to provide liability, theft, water and other coverages not afforded by FAIR. - For DP3, MDP1, and MHO3, producers should tailor limits and optional coverages (other structures, contents, loss of rent/use, liability) to occupancy type and use; the carrier emphasizes that insureds must read policy forms to understand what is and is not covered, implying careful alignment of coverage to risk characteristics at submission. Producer / broker notes - Producer relationships are actively managed by regional sales managers by state/territory; the public Producers page encourages agencies to schedule an appointment and provide production history, top carriers, loss ratios, and states requested, indicating selectivity in appointing new producers. - Cabrillo positions itself as a "coastal property insurance specialist" with strong catastrophe readiness and fast claims handling; for brokers, this signals an appetite for coastal and catastrophe‑exposed risks that other standard markets may avoid, but with the expectation of adherence to tight underwriting rules housed inside the producer platform. Because specific, line‑by‑line homeowners underwriting rules (e.g., minimum coverage A, age‑of‑home thresholds, roof guidelines, distance‑to‑coast, protection class limits, prior loss restrictions) are not published on the open web, treat this summary as high‑level appetite only and rely on current manuals, rate guides, and portal rules for actual eligibility and pricing decisions.