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
Unable to access Capital Insurance Group’s (CIG) secure or producer/agent portals due to technical/access restrictions, so no current, authoritative homeowners underwriting or appetite guide could be verified from official carrier documents. Public information confirms that CIG (California Capital, Eagle West, Nevada Capital, Monterey) is a regional P&C carrier targeting personal lines (homeowners, renters, personal auto, dwelling fire, umbrella) and small commercial, farm, and agribusiness accounts across AZ, CA, NV, OR, and WA, distributed exclusively via independent agents. However, specific current homeowners underwriting rules—such as preferred construction/age, roof and update requirements, wildfire or brush distance standards, protection class limits, coastal or high‑risk ZIP restrictions, minimum/maximum Coverage A, or surcharges and credits—are not available from the accessible public web. Likewise, no current producer-facing instructions around documentation (inspections, photos, brush score tools, wildfire mitigation, prior carrier history) or submission workflows could be confirmed. Operationally, treat CIG as a West‑coast, independent‑agency carrier with a historically broad home product but with likely tightened property appetite (especially in CAT‑prone areas) and potentially significant geographic and brush/wildfire restrictions in CA and other wildfire‑exposed territories, consistent with the broader market. For live quoting and binding, rely on your CIG agency portal, current bulletins, and territory‑specific underwriting guides, and confirm eligibility and documentation requirements (including any pre‑bind inspection rules, minimum deductible or roof standards, and moratoriums) directly with your CIG underwriter. Do not infer risk eligibility from this summary; use it only as high‑level context until official written CIG guidelines can be reviewed.