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
Verified official guidance is product- and state-based rather than a formal public underwriting/appetite manual. Cabrillo Coastal positions itself as a coastal and catastrophe-exposed property specialist serving independent agents, with coverage availability shown for AL, CA, DE, FL, MS, NJ, NY, NC, RI, SC, and TX. Publicly listed personal lines include HO3 homeowners, HO3-DIC in California, DP3 dwelling fire for seasonal/secondary/rental properties up to 4-family, manufactured home forms in Florida, and HO6 condominium unit owners; commercial residential/CPP is also shown in FL and TX. Preferred business inferred from the product pages is coastal residential property, standard owner-occupied homes, condo units, seasonal/secondary homes, rental dwellings up to four units, and in California FAIR Plan companion/DIC placements; California pages also specifically mention optional protection for primary, secondary, seasonal homes and homes with short-term rentals. Geographic notes: CA has HO3, HO3-DIC, HO6, and HO6-DIC written through Pacific Coastal Property & Casualty Insurance Company (US Coastal P&C d/b/a Pacific Coastal Property & Casualty Insurance Company); RI publicly shows HO3 and DP3; FL shows DP3, MDP1, MHO3, HO6, and CPP; Texas public page emphasizes commercial property solutions rather than personal home products. Restricted/declined classes are not expressly published on the public site; however, product descriptions imply narrower fit by form—for example DP3 is for seasonal/secondary/rental occupancy, MDP1 in Florida is a basic-form manufactured dwelling product intended mainly for tenant occupancy, and California DIC products are intended to supplement the California FAIR Plan or equivalent rather than stand alone. Submission/producer requirements publicly available: agencies must request appointment through the producer page, provide agency/principal/contact information, requested states, average monthly written premium, book-roll opportunity indicator, appointment type (personal lines or commercial lines), and top carrier/premium/loss-ratio information. Cabrillo notes commercial lines appointments are available in Florida and Texas only. Notable broker/producer instructions: use Producer Login/agent portal for quoting and servicing; coverage should be reviewed carefully because optional coverages vary by form and state; Florida page highlights hurricane loss-mitigation discounts for HO3, DP3, HO6, and commercial residential policies with wind coverage. No public official page found with explicit decline lists, hard binding restrictions, protection class/age/roof rules, or full underwriting appetite grids, so those items likely require appointed-agent access.