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 remains product- and state-based rather than a detailed public appetite bulletin. Cabrillo Coastal positions itself as a specialist in personal and commercial residential property for catastrophe-exposed/coastal areas. For Home, the published core offering is HO3 homeowners coverage for owner-occupied homes, described as open-peril/all-risk style coverage including dwelling, personal property, other structures, ALE/loss of use, liability, and medical payments. Publicly listed home-related products also include HO3-DIC in California to sit over the California FAIR Plan or equivalent; DP3 for seasonal, secondary, or rental dwellings up to 4 family units; MDP1 for tenant-occupied manufactured dwellings with limited/basic-form coverage; MHO3 for broader manufactured homeowners coverage; and HO6 condo unit owners coverage. Geographic notes published on the official site show HO3 availability in AL, CA, DE, FL, MS, NJ, NY, NC, RI, and SC; HO3-DIC in CA only; DP3 in FL, MS, NJ, NY, and RI; MDP1 and MHO3 in FL; and commercial residential/CPP in FL and TX only. California-specific notes indicate the DIC product is intended to supplement the FAIR Plan for primary, secondary, seasonal, and short-term-rental risks when endorsed/eligible. Publicly available official pages do not provide a detailed list of restricted or declined classes, age/condition thresholds, protection-class limits, or named ineligible occupancies; therefore no granular decline list could be verified from an official appetite guide. Producer-facing instructions that are publicly posted: appointment requests require agency/principal/contact details, requested states, average monthly written premium, whether there is a bookroll opportunity, and top carrier/premium/loss-ratio information; applicants must choose personal lines or commercial lines, with a note that commercial lines appointments are available only in Florida and Texas. Broker/producer practical takeaway: submit business through the producer channel for one of the listed active states/products, expect coastal/cat-focused residential underwriting positioning, and use California HO3-DIC when placing FAIR Plan companion business. No separate official public underwriting manual or appetite PDF was verified on the carrier website during this refresh.