Electric 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 official home guidance remains a consumer-facing Homeowner Packages Coverage Comparison Chart rather than a formal broker appetite guide. Current published focus is personal lines homeowners, with four package tiers (Standard, Homeowners Plus, Premier Choice, Signature Choice) and emphasis on broad owner-occupied home protection, including guaranteed/uncapped replacement cost features on higher tiers, HOA loss assessment options, higher-value dwelling enhancements, and optional/expanded protections for water backup, ordinance or law, landscaping, wildfire defense, and liability. The materials suggest best fit for standard personal residences seeking packaged home coverage, including HOA members and insureds valuing broader replacement cost and upgraded limits. Geographic availability is state-specific: Homeowners Plus is shown in AL, AZ, CA, CO, CT, DC, DE, GA, IL, IN, KS, KY, MA, MD, ME, MI, MO, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, and WI; Premier Choice is shown in AL, AZ, CA, CO, CT, DC, DE, GA, IL, IN, KS, KY, MA, MD, ME, MI, MO, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, and WI; Signature Choice is shown in AL, AZ, CA, CO, CT, DE, GA, IL, IN, KS, KY, MA, MD, ME, MI, MO, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VT, and WA. Restrictions/limitations visible from the published material are mostly feature sublimits rather than underwriting declinations; the document expressly says options, coverages, discounts, and credits vary by state and underwriting eligibility applies, and one feature note states damage mitigation device coverage is not available in Arizona. No official public broker-facing decline list, occupancy restrictions, protection class guidance, age-of-home limits, coastal/wildfire eligibility rules, or submission checklist was located on the official site. Producer/broker note: the official agent interest page is a generic become-an-agent form rather than a submission portal; agencies are asked to provide agency/contact details, website, address, brief agency description, and list of carriers, and Electric says it will contact interested agents within two business days. Operationally, use this carrier for admitted personal homeowners where state availability aligns, but obtain underwriting confirmation directly for risk appetite details not published online.