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 formal, carrier-hosted homeowners underwriting or appetite guide is published on the Centauri public site as of this refresh. Operational guidance below is based only on confirmed product/territory indications from Centauri marketing materials and public regulatory documents; detailed eligibility, preferred/restricted classes, and rule-level criteria remain available only in proprietary manuals and agent portals. PRODUCT & TERRITORY NOTES - Centauri Specialty Insurance Company is a Florida-domiciled P&C carrier authorized for Homeowners Multi-Peril and related property lines and operates in multiple Gulf Coast and coastal states (e.g., FL and others) and Hawaii via personal homeowners programs.([floir.gov](https://floir.gov/docs-sf/property-casualty-libraries/market-regulation/2025/centauri-specialty-insurance-company-%2804-22-2025%29.pdf?utm_source=openai)) - Public-facing contact and payment pages confirm active Personal Lines (homeowners) and Commercial Lines operations, with separate customer-service/underwriting contacts and dedicated homeowners claims and payment workflows, including specific handling for Hawaii vs. other states.([centauriinsurance.com](https://centauriinsurance.com/contactus/?utm_source=openai)) - A recent Florida brochure outlines a Commercial Residential Property Program (condo associations, HOAs, apartments) with Florida-specific risk-selection criteria (age of building, construction type, TIV per location, distance to major bodies of water). This is separate from, but complementary to, the homeowners offerings.([centauriinsurance.com](https://centauriinsurance.com/wp-content/uploads/FL-CRP-Brochure.pdf?utm_source=openai)) PREFERRED / TARGET BUSINESS (INFERRED FROM MARKETING & COMMERCIAL MATERIALS) - Personal Lines: Standard to near-standard homeowners in coastal states and Hawaii, where Centauri positions itself as a regional property specialist able to underwrite wind-exposed risks in markets where capacity is constrained. (Messaging in corporate materials and press releases emphasizes commitment to Gulf Coast and coastal markets rather than specific HO forms.)([prnewswire.com](https://www.prnewswire.com/news-releases/applied-underwriters-centauri-insurance-reaffirms-commitment-to-underwriting-in-gulf-coast-market-as-above-normal-hurricane-season-looms-and-solvency-issues-beset-insurers-and-diminish-availability-301574578.html?utm_source=openai)) - Commercial Residential (FL brochure – not homeowners but relevant to property appetite framing): - Targeting professionally managed or board-governed residential schedules (condo associations, HOAs, apartment buildings) with: - Total insured value (TIV) up to approximately $30M per location and no single building exceeding ~$10M. - Buildings generally 25 years or newer, or older properties with documented updates. - Construction at or better than Joisted Masonry; frame considered in North & Central Florida only, subject to underwriting. - Height not exceeding roughly eight stories. - Risks meeting distance-to-water requirements and wind-modeling tolerances.([centauriinsurance.com](https://centauriinsurance.com/wp-content/uploads/FL-CRP-Brochure.pdf?utm_source=openai)) RESTRICTED / DECLINED CHARACTERISTICS (PARTIAL, COMMERCIAL-RESIDENTIAL SIGNALS) - For Florida Commercial Residential (brochure proxy for overall property risk posture): - Locations within ~1,000 feet of a major body of water or on barrier islands are subject to stricter wind guidelines and may be declined if models/underwriter review are unfavorable. - Older buildings (over ~25 years) are not automatically declined but require updates and underwriting approval. - Frame construction is limited to less wind-exposed parts of the state (North & Central Florida) and will be more heavily underwritten. - For personal homeowners, no explicit public list of declined subclasses (e.g., roof age, protection class, prior loss count, dog breeds, etc.) is available; these items are governed by internal manuals and agent-access-only reference guides. GEOGRAPHIC NOTES - Florida: Primary domicile and a major underwriting focus for both homeowners and commercial residential property. Centauri highlights ongoing capacity and commitment to writing in the Gulf Coast hurricane-exposed market despite broader market retrenchment.([prnewswire.com](https://www.prnewswire.com/news-releases/applied-underwriters-centauri-insurance-reaffirms-commitment-to-underwriting-in-gulf-coast-market-as-above-normal-hurricane-season-looms-and-solvency-issues-beset-insurers-and-diminish-availability-301574578.html?utm_source=openai)) - Gulf Coast States: Corporate and press materials emphasize underwriting in broader Gulf Coast markets (e.g., Louisiana, Mississippi, Texas, Alabama), particularly for hurricane/wind-exposed property. Detailed county/ZIP eligibility and moratoria rules are not published publicly and must be confirmed with underwriting or via rating/quoting platforms.([prnewswire.com](https://www.prnewswire.com/news-releases/applied-underwriters-centauri-insurance-reaffirms-commitment-to-underwriting-in-gulf-coast-market-as-above-normal-hurricane-season-looms-and-solvency-issues-beset-insurers-and-diminish-availability-301574578.html?utm_source=openai)) - Hawaii: Dedicated homeowners customer-service and claims numbers, plus separate mailing/overnight addresses, indicate a stand-alone Hawaii homeowners book with potentially distinct underwriting rules and rating plans.([centauriinsurance.com](https://centauriinsurance.com/contactus/?utm_source=openai)) SUBMISSION & PROCESS NOTES (BROKER/PRODUCER-FACING) - Personal Lines: - Agents are expected to use Centauri’s policy administration/agent system for quoting, binding, and processing payments; online pay pages explicitly direct agents to log in to the PAS for payment processing.([centauri-ins.com](https://www.centauri-ins.com/Main/InsuredPayRequestPolicy.aspx?utm_source=openai)) - Issuance of coverage is explicitly subject to underwriting review and approval; not all products or coverages are available in all states.([centauri-ins.com](https://www.centauri-ins.com/ConsumerPortal/my-ContactUs?utm_source=openai)) - Commercial Lines: - Commercial underwriting inquiries and submissions are routed via the dedicated email channel commercial_underwriting@centauriinsurance.com and fax number shown on the Contact Us page. Agents should submit full commercial packages (ACORDs, SOV, loss runs, etc.) through established agency workflows; no public submission checklist is posted.([centauriinsurance.com](https://centauriinsurance.com/contactus/?utm_source=openai)) BROKER / PRODUCER INSTRUCTIONS & EXPECTATIONS - Agents are expected to adhere to state-specific underwriting, product, pricing, and claims-process updates shared through closed agent channels (agent portal, regional meetings, and advisory councils). A past Agent Advisory Council article notes that underwriting/product leaders hold state-specific work sessions with council members, underscoring that appetite and rule changes are heavily managed via agent communications rather than public guides.([centauriinsurance.org](https://www.centauriinsurance.org/agent-advisory-council-fall-2017?utm_source=openai)) - For detailed eligibility (including roof age/condition, prior-loss thresholds, mitigation/wind credits, protection class boundaries, minimum/maximum Coverage A, dog/animal liability, and inspection triggers), agents must consult Centauri’s current underwriting manuals or reference guides available in the PAS or via their MGA/wholesaler. Third-party PDFs referencing Centauri guidelines exist on wholesaler sites, but they are explicitly labeled as summaries and instruct users to rely on Centauri’s own manuals for complete rules. These are not treated as authoritative for this refresh.([simonagency.com](https://simonagency.com/assets/file/18_6_21/Centauri%20CSIC%20FL%20HO3%20HO4%20HO6%20Reference%20%2021.pdf?utm_source=openai)) PRACTICAL OPERATIONAL TAKEAWAYS - Treat all homeowners and residential property submissions as subject to close wind/hurricane underwriting, with particular scrutiny in Florida, Gulf Coast, and Hawaii; be prepared to supply robust construction, age/updates, and distance-to-water details and comply with required inspections. - For Florida commercial residential risks, best results are with: - JM or better construction under 8 stories, no building over roughly $10M TIV, total location TIV under roughly $30M, and at least 1,000 feet from major bodies of water unless the underwriter explicitly approves based on models. - Use the PAS and your agency’s Centauri-specific manuals for concrete eligibility rules and moratorium guidance; default to contacting underwriting (personal or commercial, as appropriate) when handling edge cases or highly coastal/older properties. Because Centauri does not publish a public homeowners appetite or underwriting manual, all granular rules (per-state eligibility grids, protection class/roof age/loss-history cutoffs, inspection requirements, and binding restrictions) must be validated directly in Centauri’s agent system or with your MGA/underwriting contact before binding.