GeoVera
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
GeoVera’s currently published guidance is centered on catastrophe-exposed personal residential business rather than a formal public appetite guide. Verified official materials show: (1) Florida surplus lines residential products written through GeoVera Specialty Insurance Company and accessed via preferred wholesale broker partners; and (2) residential earthquake products in California, Oregon, and Washington. For Home, GeoVera publicly markets Florida surplus lines Homeowners, Landlord Residential, Vacant Home, and Wind Only coverage. Preferred business appears to be personal residential property risks needing catastrophe-focused E&S placement, including owner-occupied homes, tenant-occupied rental dwellings, temporarily vacant rental homes, and seasonal/secondary residences. Homeowners coverage descriptions include dwelling, other structures, contents, personal liability, and loss of use; landlord includes dwelling, contents, loss of rental income, and premises liability; vacant is available with Homeowners or Wind Only; wind-only is positioned for wind/hail exposure. Geographic notes: Florida is the stated market for the surplus lines residential products; earthquake products are offered in CA, OR, and WA. Earthquake quoting requires only the property address and current homeowners dwelling limit, and GeoVera states its single-limit residential earthquake product includes one combined limit, one deductible, and demand surge coverage. Restricted/declined classes are not detailed in the public official pages reviewed; however, the site positioning suggests GeoVera is focused on personal residential catastrophe business and not broad standard-market multiline risks. Flood: no verified official GeoVera flood underwriting/appetite/submission page was found on the carrier website during this refresh, so Flood should be treated as unverified from the official source set reviewed. Submission/distribution requirements: Florida surplus lines products are available through preferred wholesale broker partners, not direct retail submission based on the published pages. Producer/broker notes: agents use the MyGeoSource portal for quoting/policy management and Agent Resource Center access; agency changes involving ownership, agency name, tax ID, or license number must be emailed to agentsupport@geovera.com with the producer code; GeoVera also references IVANS download setup and comparative rating support in agent help materials. Operationally, use GeoVera when you have catastrophe-oriented personal residential E&S opportunities in Florida or residential earthquake opportunities in CA/OR/WA, route Florida business through approved wholesale partners, and expect limited public detail on hard underwriting declinations without portal or broker-partner access.