Columbia Lloyds Insurance Co
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 site content verified for Columbia Lloyds shows personal lines property products marketed through independent agents, with Columbia Lloyds and MDOW stating they market directly through independent agents in Texas, Oklahoma, and Arkansas, while product availability varies by state. For Columbia Lloyds specifically, the verified home underwriting page is a Texas homeowners/dwelling fire product page rather than a detailed broker appetite guide. Current published parameters for the Texas Homeowner's Policy Form A (HOA) include 1-year terms, dwelling limits of $50,000 to $200,000, deductibles of $1,000 or 2% to 5% with a 2% minimum in Tier 2, $150 minimum premium, liability options of $25,000, $50,000, $100,000, or $300,000, medical payments of $500 standard or $1,000 maximum when dwelling value is above $50,000, and contents coverage up to 40% of dwelling coverage. Current published parameters for the Texas Fire Dwelling Policy Form 1 (TDP) include 1-year terms, dwelling limits of $50,000 to $200,000, deductibles of $1,000 or 2% to 5% with a 2% minimum in Tier 2, $150 minimum premium, optional extended coverage, optional V&MM, owner-occupied contents up to 30% of dwelling coverage, tenant-occupied contents up to $1,000, fair rental value, and tenant-only liability coverage. The page also states that all listed policies are written on an actual cash value basis only, which is an important underwriting and placement limitation. Optional endorsements shown include residential glass, television/radio antenna, increased costs of construction, automatic increase of limits, sudden and accidental water coverage for certain limits, contract of sale on the dwelling fire form, and related liability options. Preferred business appears to be lower-value Texas owner-occupied or dwelling fire risks that fit the stated limit band and deductible structure, submitted through independent agents. Restricted or declined classes are not expressly listed on the verified Columbia Lloyds page; however, the absence of replacement cost language and the explicit ACV-only note suggest the carrier is positioning toward basic-value personal property risks rather than broad-form or high-value replacement cost homes. Geographic notes: company-level site language references Texas, Oklahoma, and Arkansas distribution through independent agents, but the verified Columbia Lloyds underwriting page located for this refresh is specifically Texas homeowners/dwelling fire. Submission/broker notes: no public producer portal, appetite guide, or detailed submission checklist was verified on the official site; business is directed through independent agents, so brokers should expect agency-submitted placements and should confirm state availability, occupancy fit, tiering, and endorsement eligibility directly with the carrier or appointed channel before quoting.