Homeowners of America
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
Homeowners of America (HOAIC) publishes state‑specific underwriting guidelines for its homeowners products via an online producer portal. The master underwriting page notes that not every scenario can be addressed and that final acceptance or rejection of a risk is always subject to underwriting discretion. Sub‑pages then define detailed rules by state.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines)) Preferred business (general patterns from multiple state guideline menus): - Standard, owner‑occupied 1–2 family dwellings meeting state “Age of Home/Age of Risk” and “Roof Eligibility” standards, with appropriate insurance‑to‑value and dwelling size within the state’s limits.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/texas-homeowners)) - Properties located outside of closed or restricted territories (particularly coastal and severe‑weather‑exposed areas) and not in high PPC (Protection Class) 8–10 zones where applicable.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/virginia-underwriting-guidelines)) - Risks with limited prior losses, within the state’s "Loss History"/"Claims History" thresholds, and that qualify for available credits and discounts (protective devices, package, etc.).([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/texas-homeowners)) - Dwellings that meet state "Insurance to Value" requirements and fall within defined "Coverage Limits" and "Dwelling Size" ranges.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/virginia-underwriting-guidelines)) Restricted or declined classes (high‑level, appears in most state frameworks): - Ineligible risks are called out on each state page and typically include certain occupancies (improperly occupied, long‑term vacant, or non‑owner‑occupied unless allowed), homes outside age/condition tolerances, and locations in prohibited coastal or catastrophe‑exposed areas or closed ZIPs. These are summarized under "Ineligible Risks," "Coastal Restrictions/Coastal Guidelines," "Closed Territories and Weather Suspensions," and similar sub‑pages.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/virginia-underwriting-guidelines)) - Risks with prohibited animal exposures ("Unacceptable Animals" lists by state), as well as some multi‑unit risks or PPC 8–10 properties where indicated.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/virginia-underwriting-guidelines)) - Dwellings that fail roof‑age or roof‑condition requirements, or that do not comply with required flood or windstorm arrangements where separate flood/ wind coverage is needed or matching coverage is required. These are addressed in "Roof Eligibility," "Flood Requirements," and "Matching Coverage for Flood Zone and Windstorm Excluded" (TX).([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/texas-homeowners)) Geographic notes: - Guidelines are explicitly state‑specific. The underwriting portal provides dedicated sections for states including TX, AZ, OK, GA, NC, SC, VA, WY, MO, and others, each with its own sub‑pages for coastal restrictions, closed territories, flood requirements, PPC classes, and occupancy.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines)) - Texas and other catastrophe‑exposed states highlight separate "Coastal Guidelines" and "Closed Territories and Weather Suspensions" sections, implying binding limitations during severe weather events and geographic exclusion zones along the coast.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/texas-homeowners)) Submission and underwriting process expectations: - All detailed rules, including age of home, coverage limits, deductible options, loss history thresholds, inspection requirements, and occupancy definitions, are delivered through the producer portal. Each state page lists required elements the risk must meet before binding (e.g., Age of Dwelling/Age of Risk, Insurance to Value, Dwelling Size, Occupancy).([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines)) - Inspections are a recurring sub‑page in the guidelines, indicating that many risks are subject to post‑bind inspection with the potential for required corrections or cancellation if conditions do not meet standards.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/virginia-underwriting-guidelines)) - Binding authority and weather suspensions are handled at the state level (e.g., "Binding Restrictions" for VA and "Closed Territories and Weather Suspensions" for TX), implying agents must check these pages at the time of quoting/binding and suspend new business issues or changes when instructed.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines/virginia-underwriting-guidelines)) Producer / broker notes: - The underwriting portal is clearly oriented to appointed producers; it emphasizes that underwriting retains ultimate discretion and that not every scenario can be codified, which signals that borderline or unusual risks should be referred before binding.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines)) - Agents must select the correct state guideline and then follow the individual sub‑page rules (Age of Home, Claims/Loss History, Occupancy, Coastal/Closed Territories, Roof, Unacceptable Animals, etc.) for every submission. Deviation from these rules appears to require specific underwriting approval based on the "subject to underwriting discretion" language on the master page.([ptshelp.hoaic.com](https://ptshelp.hoaic.com/index.cfm/underwriting-guidelines)) Operationally, treat HOAIC as a state‑by‑state, rules‑driven personal lines homeowners market: confirm eligibility using the applicable state menu (age, roof, PPC, loss history, occupancy, animals, coastal/closed territory, ITC/ITV), verify no weather or coastal binding suspensions are in effect, and refer any exceptions or edge‑case risks directly to underwriting before binding.