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 public guidance is limited; no separate public underwriting appetite or producer-only submission guide was found on the official site. Current published materials indicate Chautauqua Patrons is a New York-focused regional carrier writing property/casualty insurance for individuals and small to mid-sized businesses, with distribution through independent agents in Upstate New York. For home-related business, the carrier publicly lists Homeowners, Seasonal Homeowners, Landlord, Prestige Landlord targeting 1- and 2-family homes, Mobile Homeowners, Tenant Homeowners, Dwelling Fire, and Inland Marine. Geographic note: business is described as located in New York State, with products distributed by independent agents throughout the Upstate region of New York; this suggests a New York-only/upstate-oriented footprint rather than broad multi-state appetite. Preferred business inferred from published product lineup appears to be standard personal property risks and small residential rental risks, especially owner-occupied homes, seasonal homes, mobile homes, tenant risks, dwelling fire, and 1- to 2-family landlord properties. Public restrictions/limitations specifically stated include no umbrella coverage offered. FAQ materials also note common policy exclusions such as flood, earthquake, neglect, wear and tear, war, and intentional acts; rates may vary by construction type and location/proximity to fire department. Submission/broker notes: the company directs consumers to local independent agents, provides an agent locator, and public forms/applications indicate applications are submitted through an agent or broker; no online self-serve underwriting portal or explicit appetite triage rules were found. Practical takeaway: place standard New York personal lines property and small residential landlord risks through appointed/local independent agents, and expect case-by-case underwriting rather than a detailed published appetite matrix. No verified public declined-class list, coastal/wildfire guidance, protection-class cutoffs, age-of-home thresholds, or valuation requirements were found on the official site.