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
Officially published guidance still centers on Louisiana Select Homeowners business assumed from Citizens and owner-occupied HO business. Cajun markets itself as a residential coastal property specialist and distributes through independent agents. Preferred/target risks are owner-occupied primary residences in good to excellent condition, originally designed for residential use, generally 1-4 family dwellings, plus condo/unit-owner business where used for residential purposes. The public product page specifically identifies HO-3 for owner-occupied homes. Core eligibility in the manual includes value ranges of about $75,000-$750,000 for HO-3 dwellings, $50,000-$750,000 in another homeowners section, and condo/unit-owner limits of $5,000-$350,000 Coverage A and $10,000-$175,000 contents. Risks generally must have updates to wiring, plumbing, heating, and roofing within the last 30 years; stairways of 3 or more steps need handrails and porches/landings with such stairs need guardrails. Restricted/declined business includes non-owner-occupied primary residences, seasonal/camp/secondary residences, mobile or trailer homes, metal buildings, properties converted to residential use, properties under construction or major renovation, properties with excessive or unusual liability exposure, open claims, uncorrected code violations, commercial operations on premises, and locations over water or accessible only by boat unless emergency access is adequate. Liability/animal restrictions are explicit: no trampolines; pools must be fenced and cannot have diving boards/slides; no exotic animals; no pets with injury history; and no listed dog breeds or mixes including Akita, American Bulldog, Catahoula Leopard, Chow, Doberman Pinscher, Pit Bull, Presa Canario, Rottweiler, Staffordshire Terrier, or Wolf, plus no guard/attack, police/military, or historically fighting dogs. Geographic/property notes: program is Louisiana-focused; Cajun highlights specialization in coastal and hurricane-exposed property. Properties adjacent to water are ineligible unless enclosed by a suitable fence. Dwellings on more than 5 acres require prior approval, and those with ponds, hunting, or livestock are generally excluded. Protection class guidance references distance-to-fire-station rules from the Public Protection Classification Manual. Submission/producer notes: business is sold through independent/appointed agents; Cajun maintains an agent login/forms-manuals area for appointed agents. A Subscriber Agreement and Limited Power of Attorney signed by the first named insured are required and failure to provide them results in cancellation; Cajun indicates these documents are available for e-signature online. Overall, current official guidance supports tightly screened Louisiana coastal owner-occupied home business with strong condition, safety, and liability controls rather than broad nonstandard or occupancy-flexible homeowners placements.