Century National Insurance (Kramer-Wilson 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
Unable to locate any official, public-facing underwriting, appetite, or producer/agent guidelines for Century National Insurance Company on cnico.com or related National General / Allstate sites. The carrier appears in state regulatory filings and market reports as a homeowners writer affiliated with National General, but those documents do not include operational underwriting rules, target classes, or submission instructions. Operationally, treat guidance as unknown/ carrier-specific and obtain direction directly from the underwriting or marketing contact where you are appointed. Do not infer or rely on generalized National General homeowners rules for Century National, as there is no verified crosswalk or published appetite tying Century National’s book, states, or eligibility criteria to another paper. Practical handling for brokers/producers (based on absence of public guidance): - Preferred business: No official description published. Assume standard admitted HO carrier appetite may not apply; confirm eligibility, coverage form, and any inspection/condition requirements with your underwriter on each submission. - Restricted/declined risks: No formal list is available. Do not assume typical coastal, prior loss, age-of-home, or protection-class rules; ask the underwriter before binding or marketing Century National on higher-hazard or non-standard risks. - Geographic notes: Public documents show Century-National writing homeowners in multiple states (e.g., Maine and Maryland regulatory reports), but do not provide state-level underwriting rules or territory preferences. Always verify that the state and specific ZIP/territory are currently eligible and open for new business. - Submission requirements: No producer playbook, rating guide, or required-document checklist is posted. Follow whatever internal National General/Allstate channel or proprietary portal process you were given when appointed, and obtain a written checklist (application version, inspection requirements, photos, disclosures) from the underwriter or marketing representative. - Broker/producer instructions: No open-access producer or appetite page is available. All placement, binding authority, and documentation expectations should be confirmed directly with your Century National / National General distribution contact; keep email confirmations of any underwriting exceptions or special conditions. Because there is no verifiable, detailed public underwriting or appetite guidance for Century National at this time, treat the carrier as requiring case-by-case underwriting consultation for homeowners business.