Chautauqua Patrons 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
Verified official public guidance is limited and there does not appear to be a dedicated public underwriting/appetite guide for Home. Current official product pages show Chautauqua Patrons directly underwrites Homeowners and related personal lines including Seasonal Homeowners, Landlord, Prestige Landlord targeting 1- and 2-family homes, Mobile Homeowners, Tenant Homeowners, Dwelling Fire, and Inland Marine. Company messaging indicates it writes property and casualty coverage for individuals and small to mid-sized businesses located in New York State, with distribution through independent agents concentrated in Upstate New York. Operationally, the clearest published appetite signals for Home are standard owner-occupied homeowners in New York, seasonal homes, rental dwellings/landlord risks, mobile homes, tenants, and small residential dwelling-fire style risks; the only explicit class targeting found is Prestige Landlord for 1- and 2-family homes. No official public page was found that lists specific declined classes, age/condition limits, protection class rules, coastal restrictions, vacancy limits, animal/bite restrictions, prior loss thresholds, or other detailed homeowner eligibility rules, so those items are not publicly verified. Geographic notes: business is stated as New York State business, and agent distribution is described as throughout the Upstate region of New York State, suggesting a regional New York footprint rather than broad multistate appetite. Submission/broker notes: products are distributed via independent agents, and the site includes an agent portal plus consumer resources/forms. Publicly visible forms and supplementals indicate ongoing documentation workflows for items such as statement of no loss, related private structures exclusion, recurring payment authorizations, and certain commercial renewal supplementals, but no public new-business homeowner submission checklist was found. Broker/producers should expect placement through appointed independent agents and may need to obtain detailed underwriting requirements through the agent portal or by contacting the carrier directly, since detailed home appetite/underwriting criteria are not posted publicly.