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 is limited to a homeowner coverage comparison/brochure plus agent-interest and service pages rather than a true broker appetite guide. Current published position indicates Electric Insurance is a U.S. personal-lines carrier targeting standard personal home risks for individuals and families, with home, auto, and umbrella offerings and cross-sell/multi-policy orientation. Home product is positioned around owner-occupied personal residences with customizable package tiers (Standard, Homeowners Plus, Premier Choice, Signature Choice). State availability is explicitly limited by form/package: 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. The brochure also notes not all products, services, discounts, or coverages are available in all states and all offerings remain subject to underwriting eligibility requirements. Practical underwriting/read-across: preferred business appears to be standard owner-occupied homes where full replacement-cost valuation can be supported; higher-tier options emphasize better-quality accounts needing broader property, valuables, HOA, personal injury, identity fraud, lock replacement, backup/sump, and green rebuild features. A notable underwriting requirement is that the policy co-insurance clause requires the dwelling to be insured to 100% of reconstruction cost for Additional Rebuilding Expense coverage to apply. Geographic note: one benefit is specifically marked unavailable in Arizona, and certain package tiers vary by state. Restricted/declined classes are not expressly published on the verified official pages reviewed; there is no confirmed official list of prohibited occupancies, condition issues, protection class limits, prior-loss thresholds, coastal/wildfire restrictions, short-term rental restrictions, or animal/liability exclusions on the available public producer-facing material, so those items should be treated as unverified and referred directly to carrier underwriting. Submission/producer notes: Electric has a public 'become an agent' page for agencies interested in offering products; required intake fields include agency name, website, address, brief agency description, carriers represented, contact name, email, and phone, and the carrier states it will contact interested agencies within two business days. For service/processing, Electric states the Self-Service Center is available 24/7 for claims, policy changes, billing, and ID cards, and policy changes must be made through the Self-Service Center rather than the feedback form. Operationally, because no formal public home appetite or underwriting manual was verified, broker use should be limited to: standard personal home placements in listed states, confirm product/package availability by state, insure to full replacement cost, and obtain case-specific underwriting direction from Electric for any nonstandard occupancy, catastrophe-exposed, brush/coastal, vacant, seasonal, rental, older home, high-value, or adverse-loss account.