Cypress 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
Cypress Property & Casualty currently presents itself as a Florida- and Texas-focused property insurer with core personal lines centered on homeowners coverage distributed through agents. The public-facing homeowners page emphasizes standard owner-occupied home coverage with optional endorsements rather than a detailed public appetite guide. Preferred business appears to be personal residential property risks written through appointed/local agents in Florida and Texas, including homeowners and related personal property exposures, with available optional coverages such as water backup, replacement cost contents, scheduled personal property, special personal property, equipment breakdown, ordinance or law, identity theft expense, increased loss assessment, dog/animal liability, personal injury, foundation coverage, sinkhole loss coverage, and screened enclosure coverage. Publicly listed discounts suggest favorable consideration for better-protected or newer homes, including senior/retiree, secured community, protected subdivision, accredited builder, burglar alarm, fire alarm, sprinkler, new home, and new purchase business. Geographic notes: Cypress explicitly states it writes products in Florida and Texas; the agent resources page also routes new business by state and policy type, showing Florida HO-3/HO-6, GL, and DP-3, and Texas HO-3/HO-6. Submission/broker notes: business is agent-driven; insureds are directed to find an agent, and agents access business through the agent portal workflow. For portal access/new business routing, Cypress asks whether the submission is new business or existing policy, then requires state selection and product selection. Agent resources state Cypress provides regular reporting, technology/tools to help agencies write business, API access for vendors and agents, and invites agencies seeking appointment to contact the company via the appointment email shown on the agent resources page. No detailed public list of declined classes, hard underwriting restrictions, protection class limits, age-of-home limits, coastal/wind exclusions, valuation thresholds, or occupancy prohibitions was found on the verified official pages reviewed, so those items are not publicly confirmed from current source material.