Cajun Underwriters
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 current official guidance centers on Cajun Underwriters’ Louisiana Select Homeowners Program manual plus agent/resource pages. Core appetite is coastal residential property, especially hurricane-exposed business, written through independent agents. For Homeowners HO-3, preferred risk is an owner-occupied primary residence in a 1-4 family building, in good to excellent condition, at least 50% occupied, originally built for residential use, and generally with updated wiring, plumbing, heating, and roofing within the last 30 years. HO-2 has similar requirements but allows average to good condition; HO-4 is for tenants/non-owner occupants or certain otherwise ineligible residential occupancies; HO-6 is for owner-occupied condo/co-op units used primarily for residential purposes. Published value ranges in the manual are HO-2 Coverage A $50,000-$750,000, HO-3 Coverage A $75,000-$750,000, HO-4 Coverage C $6,000-$175,000, and HO-6 Coverage A $5,000-$350,000 with Coverage C $10,000-$175,000. Key restrictions/declines appearing repeatedly across forms: not owner-occupied primary residence for homeowners forms; seasonal, camp, or secondary residences; properties accessible only by boat; properties built over or partially over water unless emergency vehicles can easily access; swimming pools not enclosed by an approved fence or with diving boards/slides; exotic animals; pets with prior injury history; specified dog breeds or mixes including Akita, American Bulldog, Catahoula Leopard, Chow, Doberman Pinscher, Pit Bull, Presa Canario, Rottweiler, Staffordshire Terrier, and Wolf, plus dogs used as guard/attack, military, or police dogs; uncorrected code violations; open claims; farm property or more than two farm animals; mobile homes, trailer homes, house trailers, metal buildings, or properties converted from nonresidential use; excessive or unusual liability exposure; dwellings under construction or major renovation; prior unpaid earned premium/valid charges owed to Cajun; property adjacent to water without a suitable fence; trampolines; commercial operations in the dwelling; and generally sites over 5 acres except certain large multi-unit situations. Geographic/physical underwriting notes: manual is specifically the Louisiana Select Homeowners Program and the site emphasizes residential coastal and hurricane-exposed risks. Protection class guidance uses distance to fire station, with over 7 road miles assigned Protection Class 10. Submission/inspection requirements: Cajun requires a completed 4-point inspection at new business based on home age; the carrier states completion of the inspection does not guarantee acceptance or continuation. Policyholders are contacted directly by National Risk Services to schedule and pay when ordered through Cajun’s inspection partner. Broker/producer notes: business is sold through independent/apponted agents; a Subscriber Agreement and Limited Power of Attorney signed by the first named insured is required and failure to return it can result in cancellation; customers have 30 days from effective date to return the agreement; agencies must complete and return their contract before commissions are issued; non-appointed agencies are directed to marketing@cajunuw.com; existing agents access policy administration through the carrier’s referenced portal/login instructions.