Hallmark 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
Scope / product - Hallmark Personal Lines currently publishes detailed guidance for ISO HO-4 renters insurance; homeowners-specific public underwriting criteria are not separately listed, but statutory filings confirm an active Homeowners multiple peril line. Preferred / target renters risks (HO-4) - Occupancy: Tenant-occupied units only; policy written on ISO HO-4 Broad Form with separate ISO Personal Liability Form. - Contents limits: Typically $5,000–$40,000; 12‑month policy term. - Liability limits: Standard $25,000; options of $50,000 or $100,000 available. - Loss history: Up to four non‑weather losses in the last three years can be accepted, indicating a somewhat tolerant but still monitored loss history appetite. - Point-of-sale underwriting: Risks are evaluated and bound in real time within the rating/issuance system; expect automated eligibility checks on address, prior loss history, and basic risk characteristics. Automatic & standard coverage features - Loss of use: Automatically included at 20% of personal property. - Included liability and medical payments: $25,000 liability and $500 medical payments to others included by default. - Animal liability: Included but sub‑limited to $25,000, signaling willingness to write many risks with animals but with controlled severity. - Trampoline: Liability arising from trampolines is explicitly excluded. - Loss settlement: Contents default to Actual Cash Value; Replacement Cost is available by endorsement. Optional coverages (renters) - Liability and Med Pay buy‑ups: Liability can be increased up to $100,000; Medical Payments to Others can be increased from $500 up to $5,000. - Identity recovery and equipment breakdown: Identity recovery coverage available with a $15,000 annual aggregate; equipment breakdown coverage up to $50,000 per event. - Additional interests: Landlords or other additional interests can be added for notice of policy activity. Discounts / pricing levers - Available discounts include increased deductible, advance quote, multi‑policy, and protective device credits. Discount availability and magnitude are state‑specific; verify in the rater for each jurisdiction. Restricted or declined characteristics (implied) - Trampolines: No liability coverage for trampoline exposures; agents should advise insureds that any trampoline‑related BI/PD will not be covered. - Animal exposures: Covered with a sub‑limit; expect internal guidelines on prohibited breeds or prior animal liability claims even if not listed publicly. - Higher‑frequency accounts: More than four non‑weather losses in the past three years are likely ineligible or require underwriting review. Geographic notes - Hallmark Financial is a US specialty and personal lines carrier. Public renters product materials do not list specific state restrictions, but all offerings are "subject to state availability"; agents should confirm that the state is active and open to new business in the company portal or with marketing/underwriting before quoting. Submission & underwriting process - Distribution: Business is written through appointed independent agents/agencies; no direct‑to‑consumer binding. - Point‑of‑sale process: Expect the POS underwriting engine to handle basic eligibility on address, prior loss history, occupancy, and limits. Standard ACORD or system‑generated apps, with accurate DOBs, prior address and prior carrier/expiration information, are necessary for clean submissions. - Service contacts: Personal renters service line 800‑486‑5616; agency and policy service email both listed as service@hallmarkgrp.com. Use these contacts for mid‑term underwriting questions, endorsements, and documentation requests. Broker / producer operational notes - Agents must be appointed with Hallmark Personal Lines before binding; check with Hallmark marketing or your wholesaler/MGA if you are accessing Hallmark capacity through a program. - Present renters risks as standard tenant‑occupied exposures with stable prior insurance and clear loss history. Highlight protective devices and willingness to carry higher deductibles or multi‑policy placements to align with Hallmark’s pricing/discount structure. - For risks with multiple recent losses, animal exposures with prior incidents, or unusual liability concerns, contact underwriting prior to binding; POS rules may decline automatically without prior review. Homeowners line - Regulatory filings show Hallmark Insurance Company actively writing “Homeowners multiple peril,” but no separate, detailed public homeowners underwriting guide is published on the corporate site. Treat homeowners appetite as subject to program‑specific and state‑specific rules that must be confirmed through the agent portal, program guide, or directly with underwriting.