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
Centauri Specialty Insurance Company is now presented on the official Lilypad Insurance platform. For Homeowners, the public-facing guidance shows availability in Alabama, Florida, Louisiana, Mississippi, North Carolina, South Carolina, and Texas. The carrier positions itself as a coastal/storm-experienced property writer focused on homeowners and related residential products, with underwriting framed around conservative risk management and state/program-specific eligibility. Preferred business appears to be standard personal residential property risks that fit its homeowners programs and agent-distributed model, especially homes with protective or mitigation features. Florida-specific credits emphasize windstorm loss mitigation, including roof covering, roof deck attachment, roof-wall connection, hip roof shape, secondary water resistance, and opening protection; additional Florida discounts listed include accredited builder, secured community/building, companion policy, senior/retiree, protective devices, Hardiplank siding, and flat tile roof for HO3. Publicly stated limitations/exclusions for Homeowners include no flood coverage without a separate flood policy; no earthquake/earth movement unless endorsed; no normal wear and tear or maintenance issues; no pest damage; no intentional damage or neglect; no certain high-value items without scheduled coverage; and no sewer/drain/sump backup unless endorsed. Geographic notes: Centauri Specialty Insurance Company is listed as the writing company in AL, FL, HI, LA, MS, NC, SC, and TX, but the Homeowners product page currently lists home availability only in AL, FL, LA, MS, NC, SC, and TX; Hawaii appears to have separate contact handling and may be program-specific rather than broadly shown on the Homeowners page. Submission/producer notes: business is distributed through independent agents; agent access is through multiple portals (BriteCore, STAR, Commercial Login, Legacy IPX, Flood Login). The For Agents page is more producer-relations than a true appetite guide; no detailed accept/decline class matrix or submission checklist was publicly verified. Broker/producer instructions available publicly include a Become an Agent path, co-branded marketing support by email request, 24/7 service, and contact points for personal lines and commercial underwriting. Policies in all states where they write business except Hawaii are marketed, distributed, and serviced by Arbol National Insurance Managers Inc., a licensed MGA. Overall, no detailed public underwriting appetite guide was found; operationally, treat this as a coastal-focused personal property market with eligibility, discounts, forms, and terms varying by state and program, and rely on agent portal rules/underwriter review for class-specific acceptability.