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 confirms Columbia Lloyds markets through independent agents and writes products in Texas, Oklahoma, and Arkansas, with Columbia Lloyds-branded Homeowners focused on Texas homeowner business. Current public Columbia Lloyds home page shows Texas Homeowner's Policy Form A (HOA), 1-year term, Coverage A limits of $20,000 to $200,000, $150 minimum premium, deductibles of $500, $1,000, and 0.5% to 5% with a 2% minimum in Tier 2, personal liability options from $25,000 up to $300,000, medical payments of $500 standard or $1,000 max when dwelling value exceeds $50,000, and contents up to 40% of dwelling coverage. This suggests a small-to-mid-value owner-occupied personal lines home appetite rather than high-value or specialty homes. Publicly posted pages do not provide a full formal appetite guide or explicit decline list for Columbia Lloyds Home, so restricted/declined classes are not fully verified; however, the absence of commercial-style products on the Columbia Lloyds home page and the separate placement of farm/ranch, manufactured home, and other products indicate standard personal residential risks should be matched to the specific program/product rather than submitted as general homeowners. Geographic notes: company-level site states products are distributed through independent agents in TX, OK, and AR, but the verified Columbia Lloyds homeowners page specifically references Texas Homeowner's Policy, so producers should treat Texas as the confirmed state for this Columbia Lloyds Home program unless appointed guidance says otherwise. Submission/producer notes: business is marketed directly through independent agents; insureds are directed to find a local agent, and no direct-to-consumer submission path or public broker upload instructions were found. No official public underwriting PDF, risk appetite bulletin, or producer manual was verified on the carrier domain during this refresh, so the prior third-party PDF was not retained as the underwriting page. Broker takeaway: use appointed independent-agent channel, confirm state/program fit before quoting, expect basic dwelling value, deductible, liability, and contents selections consistent with the posted Texas homeowners product, and obtain any unpublished eligibility, protection class, age-of-home, roof, loss-history, or occupancy restrictions directly from the carrier/agent portal.