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
No formal public-facing underwriting, appetite, or producer submission guide is published on Edison Insurance Company’s website as of this refresh. Available content is marketing- and policyholder-focused only, so the following reflects what can be operationally inferred rather than explicit rules. Preferred business / eligibility (inferred): - Personal residential property only: homeowners and condo unit-owners are the only products shown, indicating a focus on owner-occupied primary or secondary residences in Florida. - Standard construction, traditionally underwritten Florida homes and condos; emphasis on the ability to customize coverage and buy optional packages for valuables suggests a target of middle to upper-middle market homeowners and condo owners. - Risks with positive mitigation and loss characteristics: site content highlights wind‑mitigation inspections and discounts for monitored burglar/fire alarms, senior insureds (55+), claim‑free history, and HVAC service agreements, implying a preference for well-maintained, loss‑conscious insureds. Restricted or declined characteristics (inferred only): - The public site does not list specific ineligible home characteristics, prior loss thresholds, or prohibited occupancies. Any restrictions around prior water losses, roof age, electrical/plumbing conditions, occupancy, or protection class are not published and must be confirmed directly with underwriting or via the agent portal. Geographic notes: - Edison presents itself as a Florida-focused carrier, citing “agents across the State” and statistics for Florida policyholders only. Operationally, you should treat appetite as confined to the state of Florida unless an Edison underwriter or updated appointment material states otherwise. Coverage and program structure (helpful to underwriting context): - Homeowners: marketed as customizable policies with optional identity theft, equipment breakdown and service line, and tiered “Plus/Gold/Platinum” packages for higher‑value contents (collectibles, art, furs, jewelry), indicating willingness to schedule or otherwise increase sub‑limits for qualified risks. - Condo: fills gaps between the association’s master policy and unit‑owner needs, focusing on interiors (walls, floors, cabinets, countertops). Underwriting likely follows HO‑6 norms regarding responsibility splits with the condo association. Submission / documentation expectations (inferred): - No explicit submission checklist is provided publicly. However, emphasis on wind mitigation and discounts tied to protective devices strongly implies that: - Current wind‑mitigation inspection reports are expected/encouraged for homes to maximize credits and may be functionally required in many territories. - Documentation of monitored alarm service, claim‑free history, or HVAC service agreements will be requested to apply credits. - All quoting and submission is intended to run through appointed agents using Edison’s portal (public site offers only "Get a Quote" and "Contact an Agent" paths, not direct self‑service binding). Treat all new business and significant changes as subject to post‑bind inspection and underwriting validation. Broker / producer handling notes (inferred): - Edison works through independent agents and emphasizes a large appointed agent network in Florida; there is no public producer manual or appetite guide. Producers must rely on internal portal materials or their Edison marketing/underwriting contacts for binding authority, inspection requirements, and any moratorium or catastrophe‑management rules. - Site messaging focuses on service standards (e.g., claim contact-to-inspection timelines and average claim closure speed) aimed at policyholders; there are no published commission, contingency, or production requirements. Because Edison does not publish detailed, carrier-authored underwriting rules or appetite grids on the public site, any critical eligibility points (roof age, prior losses, plumbing/electrical standards, occupancy/use nuances, or coastal distance and elevation rules) should be confirmed with an Edison underwriter or via the secure agent portal before committing terms.