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
No verified public underwriting/appetite/broker submission page for CIG Home was found on the official website. Current official public signals indicate CIG is a Western U.S. regional P&C carrier operating across a five-state footprint: California, Arizona, Nevada, Oregon, and Washington. Personal Lines posted strong 2025 growth and high retention, suggesting active support for standard personal-lines homeowners business written through independent agents. CIG also publicly emphasizes wildfire response, catastrophe management, risk prevention resources, and ongoing support for California communities, including Paradise, which implies continued focus on catastrophe-exposed property management and likely tighter review in wildfire-prone areas. No public official page was found listing specific preferred home characteristics, ineligible or declined dwelling classes, age/value/construction restrictions, protection-class rules, brush/wildfire restrictions, or formal submission checklists. Operationally, treat CIG Home as agent-distributed personal lines business with Western-state geographic concentration, and expect submissions to route through appointed independent agents/agency systems rather than a public direct appetite portal. Broker/producer notes publicly visible from official sources: CIG highlights transparency with agency partners, maintains agency councils/advisory boards, references improved submission alignment and efficiency, and has an agency quoting/login environment for producers, but no public-facing detailed home appetite guide was verifiable. Because no official public underwriting guide was located, verify current state-specific home appetite, CAT/wildfire posture, protection requirements, valuation expectations, and any moratorium or inspection rules directly with CIG underwriting or through the appointed producer portal before marketing.