Hochheim Prarie Insurance
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 guidance remains limited and consumer-facing rather than a formal broker appetite guide. For Home, Hochheim Prairie publicly markets standard personal property/home coverage for Texas risks and specifically lists eligible dwelling types as home, manufactured/mobile home, modular home, builder's risk, owner-occupied multi-family dwelling, and compact dwelling. The site states the standard policy covers wind, hail, hurricanes, and tornadoes, which suggests continued appetite for Texas wind-exposed personal lines property subject to company underwriting. Flood is expressly not covered, so flood-exposed accounts need separate NFIP or other flood placement. The company also notes optional scheduling for higher-value personal property such as jewelry, cameras, silverware, art, golf equipment, musical equipment, guns, and personal computers above base limits. Geographic note: Hochheim presents itself as a Texas-focused carrier ('Texans Serving Texans Since 1892') and distributes through more than 190 independent agents across the state; practical placement assumption is Texas-only/primarily Texas business unless confirmed otherwise. Restricted/declined detail is not published in an official appetite bulletin on the public site; beyond flood exclusion, no explicit public decline list was found. Historical/about content indicates builder's risk is eligible and that dwellings used partially for business have been insurable only with certain restrictions, but no current operational restrictions were posted publicly, so mixed-use risks should be referred. Submission/broker notes: quotes and product details are directed through an authorized Hochheim Prairie agent, and the website's producer-facing path appears to be 'Become a Hochheim Agent' plus agent/business-partner login rather than an open submit-business portal. Practical submission expectation is agent-submitted business with standard underwriting data, valuation/inventory details for contents, and separate discussion of scheduled personal property where limits are exceeded. No verified public broker manual, appetite PDF, or detailed home underwriting guideline page was found beyond the product page.