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
Verified official underwriting guidance is published on HOAIC’s producer help site, organized by state. Current published appetite indicates a personal lines home focus with state-specific homeowners programs and related forms (including some dwelling fire/tenant condo variants by state), but the carrier’s main verified line here remains Home. For Texas—the most detailed currently verified public guide—preferred business is owner-occupied primary residences occupied by the insured or immediate family; homes must be insured to 100% replacement cost; minimum dwelling value is $150,000, with published maximums up to $2,000,000 on HOB and $1,000,000 on HOA w/ replacement cost; higher values require underwriting approval prior to binding. Homes up to 100 years old may be considered, but homes over 50 years old trigger additional application questions, and older construction can be further restricted. HOAIC requires exterior inspections on all homes, so agents should advise insureds at bind, and provide gate code/phone in remarks for gated communities; inability to complete inspection can lead to cancellation or nonrenewal. Current broker/producer handling notes include: use remarks for access details, do not bind during weather suspensions, and refer risks outside standard parameters to underwriting because final accept/reject remains underwriting discretion. Restricted/declined classes and conditions include poor maintenance or disrepair; roofs in poor condition or with under 5 years life expectancy; homes under construction or major renovation; aluminum or knob-and-tube wiring unless acceptable remediation/proof is provided; asbestos, wood shake, EIFS/Dryvit siding; flat, tar-and-gravel, mansard, and metal roofs (see roof eligibility); open foundations; business or farm exposure including home daycare; assisted living/group home use; unusual construction such as kit, underground, log, dome/shell; mobile/modular homes; homes on piers/stilts or over water; unacceptable docks; wood stoves/space heaters as primary heat; more than 5 acres except possible underwriting exception; mountainside/cliff/bluff locations; isolated homes not in sight of others; more than two mortgages; seasonal/secondary homes occupied less than 9 months; owner-financed/contract-for-deed risks; no prior coverage except new purchase; vacant/unoccupied homes; rental-held or rented homes; homes inaccessible to emergency vehicles; detached metal buildings over 700 sq ft; pool cages; unfenced pools/spas; galvanized or polybutylene plumbing; roofs with swamp coolers; trees overhanging roof; code violations; prior arson/fraud/insurance offense history. Occupancy restrictions expressly make short-term rentals, leases, and Airbnb usage ineligible. Animal liability is also materially restricted: no liability coverage for trampolines or prohibited animals, acceptable animals may be limited, and prohibited breeds include pit bulls, rottweilers, German shepherds, Dobermans, Akitas and others; pit bulls, rottweilers, or any dog with bite/aggression history are not accepted under any circumstances. Loss history guidance is stringent: generally unacceptable are 2+ water losses in 3 years, 3+ losses in 3 years, 2+ fire losses in 5 years, or 2+ theft/disappearance losses in 5 years; do not bind and contact underwriting for any fire, liability, medical payments, or disappearance loss within 5 years, 2+ non-weather losses in 3 years, any loss over $15,000 in 3 years, or any open claim; premises with recent fire/flood or multiple water/non-weather losses are ineligible. Geographic notes are important: some territories are closed or limited due to catastrophe concentration, including southernmost parts of Harris and Fort Bend Counties and other second-tier areas; no risks are written in tidal surge exposure areas; Gulf-coast binding suspends when hurricane/tropical storm triggers are met, and agents should not bind in tornado/severe weather watch or warning areas. Overall operational takeaway: HOAIC is writing standard, well-maintained owner-occupied homes with solid prior coverage, clean to moderate loss history, acceptable animals, acceptable construction/roof/plumbing/wiring, and catastrophe-manageable geography; anything coastal, high-value, older, atypical, lightly maintained, lapse-affected, or loss-heavy should be treated as referral or likely decline depending on the specific state guide.