Edison Insurance Company
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
Public, carrier-issued underwriting or appetite guides for Edison Insurance Company’s homeowners product are not posted on its main website or in an accessible producer/broker portal as of this refresh. The carrier’s site confirms it writes homeowners insurance (personal residential property) and distributes it through appointed independent agents across Florida, with consumers directed to work through those agents rather than binding or modifying coverage directly with the company.([edisoninsurance.com](https://www.edisoninsurance.com/about-us?utm_source=openai)) Because no official Edison homeowners underwriting manual, risk appetite guide, or producer submission guide is available online, detailed operational criteria (e.g., minimum construction standards, age of home, roof requirements, prior losses, protection class, or specific eligibility/decline rules such as wiring, plumbing, or distance to coast) cannot be reliably summarized from carrier sources. Any such details would need to come from non-public manuals or from agency intranet systems and should be confirmed directly with your Edison marketing rep or underwriter. Practical implications for brokers/producers (based on what is verifiable from Edison’s site): - **Preferred business**: Not publicly defined; Edison positions itself as a standard admitted Florida homeowners market and emphasizes working with local independent agents, suggesting normal preferred-homeowners targeting (owner-occupied primary residences) but this is not explicitly codified online.([edisoninsurance.com](https://www.edisoninsurance.com/about-us?utm_source=openai)) - **Restricted/declined classes**: No official lists of ineligible risks, prohibited occupancies, or special hazard restrictions are published. You should rely on the current Edison underwriting guide or rate/quote system prompts for specifics on coastal exposure, prior losses, roof age, pools, aluminum or knob-and-tube wiring, open claims, or extensive renovations. - **Geographic scope**: Edison markets itself as serving Florida homeowners; no other state programs are mentioned on the carrier site. Treat Edison as a Florida-focused HO market unless your underwriting contact confirms otherwise.([edisoninsurance.com](https://www.edisoninsurance.com/about-us?utm_source=openai)) - **Submission requirements**: The public site does not define documentation or photo requirements, inspection rules, or binding authority conditions. Expect standard Florida HO practices: complete ACORD or carrier-specific HO application, full prior-loss history, and post-bind inspection; confirm any special pre-bind photo or inspection requirements with your underwriter or agency manual. - **Broker/producer instructions**: - Edison works only through appointed agents; retail customers are told to contact an Edison-appointed agent for quotes and service. - A “Become an Agent” contact page exists, indicating that distribution is controlled and that prospective agencies must be approved before accessing systems or binding business. - No online appetite or underwriting FAQ for agents is posted, so agents should treat their internal Edison underwriting guide and any bulletin updates as the governing reference.([edisoninsurance.com](https://www.edisoninsurance.com/Contact-Us/Become-an-Agent?utm_source=openai)) Because of the lack of published underwriting material, treat all specific eligibility, inspection, and decline rules as **“refer to internal Edison guide / underwriter”** and do not rely on third‑party or anecdotal sources for binding decisions.