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
Verified public-facing guidance indicates Edison Insurance Company is a Florida-focused personal property carrier offering homeowners and condo coverage through an agent network statewide. The official site emphasizes home and condo products, customized coverage options, and agent-distributed business rather than publishing a public underwriting or broker appetite guide. Preferred business appears to be owner-occupied Florida homes and condos seeking standard personal lines property coverage, with credits or pricing consideration tied to protective features and updates such as new roofs, monitored security systems, fire alarms, storm shutters, roof shape, and other loss-mitigation features. Condo prospects should review the association master policy because Edison positions HO-6 coverage around unit interiors, personal property, liability, and loss of use. Public materials also note participation in Citizens takeout/assumption business, with the insured’s agent notified and continuing to earn commission on assumed policies. Restricted or excluded exposures stated in public materials include flood/rising water/storm surge under standard homeowners forms, and general exclusions noted for earthquakes, sinkholes, nuclear accidents, war, intentional damage, and normal wear and tear; Edison states some homes may qualify for a flood endorsement, and a recent condo article states sinkhole protection is included in HO-6 policies. Geographic notes: business is represented as Florida-only / Florida-centric, with agents located across the state and content consistently framed around Florida risks. Submission and distribution notes: Edison directs consumers to obtain quotes and service through local agents or its quote/contact channels; no public broker appointment, appetite matrix, or submit-business specifications were verified on the official site. Operationally, submissions should be treated as agency-channel personal lines business with underwriting data expected to include standard application details such as address, home age, construction type, claims/insurance history, and property characteristics, based on the company privacy disclosure. Notable producer-facing takeaway: because no official public underwriting manual or producer appetite page was verified, any class-specific acceptance rules, protection-class restrictions, roof-age rules, coastal limitations, or binding requirements should be confirmed directly with Edison or through an appointed agent portal before relying on placement assumptions.