CIG (Capital Insurance Group)
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
Official, public-facing underwriting or appetite guides for Capital Insurance Group (CIG) homeowners are not posted on their open website; detailed rules remain inside agent/portal underwriting manuals. Available public information and recent communications allow only high-level operational guidance: Preferred business / target profile (Homeowners – Western U.S.): - Regional P&C carrier focused on Arizona, California, Nevada, Oregon, and Washington for personal and commercial lines, including Homeowners and Dwelling Fire. Coverage is distributed exclusively through independent agents; business should be submitted via appointed agencies, not direct. ([prnewswire.com](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html)) - Actively writing and even expanding homeowners capacity in certain high‑wildfire areas like Paradise, California, but only where homes meet enhanced risk‑mitigation standards (e.g., IBHS Wildfire Prepared Home or equivalent community‑adopted wildfire resilience measures). Homes that achieve these standards are eligible under a special program intended to move risks off the CA FAIR Plan and back into the admitted market. ([prnewswire.com](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html)) - Emphasis on properties demonstrating good wildfire resilience and adherence to science‑based risk‑reduction construction and maintenance practices (defensible space, fire‑resistant materials, hardened home concepts, etc.), particularly in high‑severity fire zones. Restricted or higher‑scrutiny risks: - High‑wildfire‑exposure properties in California and other Western states remain capacity‑managed: CIG states that business constraints limit the total number of homes it can insure in areas like Paradise, even with mitigation; submissions from such areas should be expected to face appetite and capacity checks and may require evidence of compliance with wildfire‑resilience programs (e.g., IBHS designation or equivalent documentation). ([prnewswire.com](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html)) - Properties that do not meet community or IBHS‑style mitigation standards in severe wildfire zones are implicitly outside the special expansion program and are more likely to be declined or left with the FAIR Plan; field and broker feedback indicates that CIG, like many Western carriers, has tightened standards around wildfire, roofs, and overall property condition, though the exact criteria are not published. ([prnewswire.com](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html)) Geographic notes: - Core footprint for homeowners and other personal lines: AZ, CA, NV, OR, WA. ([prnewswire.com](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html)) - California: Actively engaged in selected wildfire‑impacted communities (e.g., Paradise) in cooperation with local resilience initiatives and IBHS. In these areas, appetite is conditional on enhanced mitigation and may be subject to program caps; FAIR Plan depopulation is an explicit objective but not guaranteed for all properties. ([prnewswire.com](https://www.prnewswire.com/news-releases/capital-insurance-group-commits-to-writing-more-policies-expanding-coverage-options-in-fire-impacted-paradise-302620799.html)) Submission / documentation expectations (agents and brokers): - CIG business is written exclusively through independent agents; agents are expected to use CIG’s online systems (Guidewire PolicyCenter and related portals) for quote, bind, and policy servicing. Prior documentation notes the use of agent portals for quoting and binding and that agents access electronic underwriting manuals within those systems; all detailed homeowners eligibility and referral criteria are therefore portal‑only. ([guidewire.com](https://www.guidewire.com/pt/about/press-center/press-releases/20170713/capital-insurance-group-deploys-guidewire-solution?utm_source=openai)) - In wildfire‑impacted and high‑risk territories, producers should be prepared to provide: - Proof of mitigation or resilience certification where applicable (e.g., IBHS Wildfire Prepared Home documentation, local defensible‑space inspections, or similar evidence). - Details on construction type, roof age/material, clearing of vegetation, and any community‑level mitigation efforts, as these are specifically referenced as drivers for CIG’s expanded homeowners underwriting in Paradise. - Binding and quoting authority for agents is governed by internal underwriting manuals; for new business, internal manuals for related CIG programs state that authorized, system‑generated quotes may be bound without prior home‑office approval, provided they fall within established rules. Expect similar workflows on personal lines: standard, system‑clean risks go straight‑through; anything outside automated rules requires underwriter referral. ([filingsdirect.com](https://filingsdirect.com/docs/CAIA/2024/April/California%20Capital%20Farm%20%26%20Ranch%20Farmowners%20rate%20rule%20form%205%2023%20CIGI-133365011.pdf?utm_source=openai)) Broker / producer operational notes: - CIG positions itself as a relationship‑driven regional carrier with underwriting decisions and appetite closely tied to its independent‑agent network and community initiatives; for complex or borderline homeowners risks (especially wildfire‑exposed), producers should engage underwriting early, confirm current appetite, and discuss mitigation plans rather than assume automatic approval. - No public indication of direct‑to‑consumer underwriting; all homeowners submissions should route through appointed independent agencies using the carrier’s portals and following the electronic underwriting manuals. Important limitation: As of March 24, 2026, CIG does not publish a detailed, line‑by‑line homeowners underwriting or appetite guide on its public website. All granular eligibility rules (construction, protection class, roof age, prior losses, etc.) remain internal to their agent/underwriting portals and cannot be independently verified from open sources; operational guidance above is therefore limited to what is explicitly disclosed in recent official communications and related technical references.