Fireman's Fund
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
Fireman’s Fund Insurance Company is a legacy U.S. carrier and former high‑net‑worth personal lines writer. It no longer operates a standalone, actively marketed personal-lines platform: Allianz completed the sale of Fireman’s Fund’s U.S. high‑net‑worth personal insurance business (including homeowners and yacht/watercraft) to ACE Ltd. (now Chubb) in 2015, with ACE acquiring renewal rights, reinsurance of existing personal-lines liabilities, and key staff. Subsequent Allianz integrations moved remaining Fireman’s Fund commercial operations into Allianz Global Corporate & Specialty (now Allianz Commercial). As of this refresh (March 24, 2026), current personal-lines underwriting and risk‑appetite guidance for home and boat/watercraft is not published under a live Fireman’s Fund producer/broker portal; personal-lines appetite now sits with successor carriers (primarily Chubb for the former high‑net‑worth book) rather than on Fireman’s Fund paper. Operational implications for producers/brokers: - Preferred/target business: There is no current, official Fireman’s Fund appetite statement for new personal home or boat/watercraft accounts. Historically, Fireman’s Fund focused on high‑net‑worth homes and associated personal insurance (large custom homes, valuable collections, yacht/watercraft, etc.), but that book and associated guidelines were transferred to ACE/Chubb, which now publishes its own high‑net‑worth and yacht/boat underwriting criteria. - Restricted/declined: Do not treat Fireman’s Fund as an active personal-lines market for new homeowners or watercraft submissions; new business should be placed with successor markets (e.g., Chubb or other HNW/watercraft markets) based on their current underwriting guides. Fireman’s Fund paper may still appear on legacy or runoff policies, but no fresh personal-lines appetite is advertised. - Geographic notes: No current geography‑specific home or watercraft appetite, coastal rules, or CAT‑zone guidance is published under a Fireman’s Fund personal-lines brand. Coastal, CAT‑exposed, or large‑limit personal risks should follow the guidelines and tools of the active successor carrier (e.g., Chubb’s coastal/HNW rules) rather than any archived Fireman’s Fund material. - Submission/renewal handling: Where Fireman’s Fund remains on legacy declarations for home or boat risks, renewals and any re‑marketing are generally administered through Allianz/Allianz Commercial arrangements or, for former high‑net‑worth personal, via Chubb per the 2015 renewal‑rights transaction. New submissions should not be directed to Fireman’s Fund for personal home or boat placements; instead, follow the appointment, underwriting submission, and documentation requirements of the active market (e.g., Chubb’s high‑net‑worth or yacht/pleasure‑boat platforms). - Broker/producer instructions: Fireman’s Fund does not maintain a current, public personal-lines producer or appetite portal for home or boat. Producer guidance for the former Fireman’s Fund high‑net‑worth personal lines now comes from Chubb’s agency/producer resources. For commercial and corporate risks that still reference Fireman’s Fund entities under Allianz Commercial, brokers should follow Allianz Commercial’s separate underwriting manuals and submission standards, which are not specific to home or small watercraft personal lines. Bottom line: Treat Fireman’s Fund as a legacy brand with no active, published personal-lines underwriting guidance for home or boat/watercraft. For operational purposes, route all new or renewal marketing of former Fireman’s Fund‑type high‑net‑worth homes and yachts/boats through the successor carriers’ current underwriting guides (primarily Chubb) and do not rely on Fireman’s Fund for present‑day appetite or binding authority in these lines.