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
No current, carrier-published homeowners underwriting or appetite guide for Century National Insurance Company is available on its official website. Public regulatory filings and third‑party materials confirm that Century National (NAIC 26905) is licensed as a property & casualty carrier writing primarily homeowners multi‑peril business, historically concentrated in California and select other states. However, these sources do not provide a binding appetite, eligibility matrix, or producer submission standards that can be operationalized for new business without direct carrier or program‑administrator instructions. Preferred / target risks (inferred, not formally published): - Homeowners multi‑peril policies on standard owner‑occupied dwellings written on admitted paper. Missouri and Maryland regulatory data list Century National only on the homeowners line, suggesting a focused book in that segment. - Nevada regulatory materials indicate Century‑National does not use credit‑based insurance scores in underwriting or rating of homeowners, implying an appetite framework that relies on other risk characteristics (construction, protection class, loss history, etc.), but the specific preferred criteria are not disclosed. Restricted or declined risks (inferred / case‑law hints only): - A California coverage dispute notes non‑renewal was threatened where deteriorated siding presented an “unacceptable underwriting hazard,” indicating that poorly maintained dwellings or significant unrepaired damage are outside appetite for renewal and likely for new business as well. Exact conditions and thresholds are not codified in any accessible guide. - No formal list of prohibited occupancies (e.g., vacant, seasonal, high‑protection‑class, wildfire‑exposed) is published; any such rules must be obtained from current rating/underwriting manuals or bulletins from the carrier or its MGAs. Geographic notes: - State regulatory pages (e.g., Missouri, Nevada, Maryland) show Century National active in homeowners but do not enumerate the full active state footprint, CAT‑exposed county restrictions, or ZIP‑specific wildfire/morale‑hazard limitations. - California DOI homeowners rate footnotes show Century‑National participating in mobile‑home examples and note that some ZIP codes have no available mobile‑home rates, and that when rated, pricing is by park type with preferred‑park rates. This confirms at least historical participation in manufactured/mobile‑home property, but not today’s eligibility or whether new business is being written in those segments. Submission / producer instructions: - The public domain includes personal auto program underwriting manuals where Century‑National is the underlying paper for Florida non‑standard and “Value” auto programs administered by Pro General Insurance Solutions. These manuals outline binding authority, weather restrictions, unacceptable auto risks, and commission schedules, but all of that guidance is specific to those auto programs and cannot safely be generalized to homeowners. - No open producer portal, appetite guide, or homeowners submission manual is exposed at cnico.com. Broker and MGA workflows appear to be controlled program‑by‑program, with instructions likely distributed privately (e.g., via MGAs such as Pro General or specialty wholesalers) rather than posted publicly. Operational takeaway for brokers: - Treat homeowners appetite, eligibility, and submission requirements for Century National as **opaque and program‑specific**. Before marketing or binding, obtain the latest: (1) homeowners underwriting guide; (2) state/territory eligibility map; (3) binding restrictions (including weather/CAT and inspection requirements); and (4) maintenance / condition standards directly from your MGA, program administrator, or Century National marketing contact. - Do not rely on historic rate‑guide footnotes or unrelated auto manuals to make underwriting or binding decisions on homeowners. Formal, current guidance is required from the carrier or program partner for compliant placement. Because no authoritative, current homeowners underwriting guide is publicly available from the carrier, detailed preferred classes, restricted/declined risks, and step‑by‑step submission rules cannot be reliably documented from open sources alone.