Centauri Specialty Insurance Company
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 detailed, public-facing homeowners underwriting or risk appetite guide is currently posted on Centauri Specialty Insurance Company’s official site. Available materials are limited to general marketing/agent information and contact details. Operational takeaways from current official content: 1. Products & focus - Centauri positions itself as a coastal/specialty property writer offering a "full suite of homeowners insurance products" in selected catastrophe‑exposed states. ([centauriinsurance.com](https://centauriinsurance.com/for-agents/?utm_source=openai)) - Insurance products are issued and underwritten by Centauri Specialty Insurance Company (and affiliates), with all coverage subject to underwriting review and approval; products are not available in all states. ([centauri-ins.com](https://www.centauri-ins.com/ConsumerPortal/my-ContactUs?utm_source=openai)) 2. Geographic and program notes (high level) - Centauri actively services personal lines homeowners in AL, MS, SC, LA, FL, and TX based on current claims and customer service contact segmentation. This is consistent with Centauri’s positioning as a coastal property carrier, but state and county/ZIP availability, as well as new‑business status, must be confirmed in the agent portal or with underwriting for each risk. ([centauri-ins.com](https://www.centauri-ins.com/ConsumerPortal/my-ContactUs?utm_source=openai)) 3. Preferred / target business (inferred from positioning – not a formal appetite grid) - Solid, catastrophe‑exposed homeowners business in admitted states where Centauri is actively writing, with an emphasis on prudent reinsurance, conservative underwriting, and disciplined risk management. ([centauriinsurance.com](https://centauriinsurance.com/for-agents/?utm_source=openai)) - Expect a bias toward well‑maintained, primary‑residence properties that fit coastal capacity and reinsurance constraints; details (age‑of‑home thresholds, roof requirements, distance‑to‑coast, prior losses, etc.) are not published publicly and need to be checked in state‑specific manuals. 4. Restricted or declined classes - No explicit public list of prohibited or restricted classes (e.g., certain construction types, protection classes, prior loss frequency, occupancy types) is provided on the website. - All underwriting decisions are explicitly subject to individual underwriting review. Agents should assume tight controls in higher‑risk CAT areas and rely on the internal underwriting manuals and state filings accessible via the agent portal. 5. Submission & underwriting workflow (agents) - Personal lines: general customer service for personal lines is available at 866‑228‑7993 and via customerservice@centauriinsurance.com; agents use Centauri’s web‑based systems/agent portal to rate, quote and submit homeowners business. ([centauriinsurance.com](https://centauriinsurance.com/for-agents/?utm_source=openai)) - Centauri promotes "agent‑friendly technology" and online portal workflows; specific required data fields, document lists, or inspection rules are not detailed publicly and must be followed as prompted in the portal. ([centauriinsurance.com](https://centauriinsurance.com/for-agents/?utm_source=openai)) - Issuance of coverage is subject to underwriting review and approval; backdating or binding outside of system rules is not supported by any public guidance and should be assumed to be restricted. ([centauri-ins.com](https://www.centauri-ins.com/ConsumerPortal/my-ContactUs?utm_source=openai)) 6. Broker/producer instructions & contacts - Becoming/working as an agent: Centauri’s "For Agents" page is the primary starting point for producers. It emphasizes financial stability, reinsurance strategy, and technology support but does not post appetite grids or manuals. ([centauriinsurance.com](https://centauriinsurance.com/for-agents/?utm_source=openai)) - Commercial underwriting contact is provided (commercial_underwriting@centauriinsurance.com), but specific homeowner‑underwriting email contacts are not listed; personal‑lines servicing and underwriting issues appear to route through the general personal‑lines customer service number/email or via the portal. ([centauriinsurance.com](https://centauriinsurance.com/for-agents/?utm_source=openai)) 7. Compliance / data use notes relevant to underwriting - Centauri discloses that some affiliates use artificial intelligence to assist in underwriting and claims decisions, implying automated risk‑selection and pricing tools are in use and that agents should expect portal‑driven eligibility decisions. ([centauriinsurance.com](https://centauriinsurance.com/privacy-policy-2/?utm_source=openai)) Practical guidance for front‑line placement: - Treat Centauri as a coastal/specialty homeowners market with state‑ and territory‑specific rules that are only visible in the secure agent portal or manuals distributed directly to appointed agencies. - For each submission, confirm: (1) state and county/ZIP eligibility; (2) any moratoria or CAT‑event binding restrictions; (3) current roof/age‑of‑home and prior‑loss rules; and (4) minimum deductibles and wind/hail requirements. None of these are spelled out publicly at this time. - When in doubt, contact underwriting through the portal or the listed personal‑lines customer service channels before binding. Because Centauri does not publish a public underwriting guide or appetite sheet for homeowners, all detailed eligibility, preferred classes, and restricted/declined‑risk criteria must be confirmed via the secure agent resources or directly with Centauri underwriting.