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 publicly publishes agent-facing underwriting materials through its PTS Help underwriting portal plus state quick reference guides. Core published appetite is owner-occupied home business with Home product support, and the carrier also lists Condo, Landlord/Dwelling Fire, Flood, and optional endorsements on its website. Published homeowner limits commonly start at $150,000 Coverage A and run up to $2,000,000 on recent state guides; homes above $1,500,000 typically require underwriting approval before binding, with stricter thresholds in some higher PPC segments. Recent state guides show homes up to 100 years old may be eligible, but risks over 50 years old require additional application questions and, on the underwriting portal, older homes can require proof of updates and supporting documentation before binding. The underwriting portal specifically states risks older than 100 years are ineligible, risks older than 50 years are ineligible without proof of updates, and underwriting may require a 5-point inspection and/or receipts plus photos showing updates to electrical, heating, plumbing, and roof. Knob-and-tube wiring, aluminum wiring without acceptable modification/pigtailing proof, fuse systems, and polybutylene plumbing are specifically called unacceptable on the published guidance. Geographic/public protection notes vary by state; for example, a recent Illinois quick reference guide shows PPC 1-7 available and PPC 8-10 unavailable, while a recent Texas guide shows availability in PPC 1-10 with lower underwriting-approval thresholds in PPC 8-10. Liability restrictions published in recent homeowner guides include no liability coverage for trampolines or prohibited animals, a $25,000 liability cap for acceptable animals unless a full animal liability option is added, and state guides may also include mandatory endorsements such as cosmetic hail limitations or functional replacement cost on older homes. Submission/binding expectations: use the HOAIC agent portal/PTS system and state quick reference guides as an overview only, with policy language controlling; underwriting approval is required prior to binding for over-threshold values, and additional documentation may be required for older homes or special conditions. Broker/producer notes available publicly include an online agent appointment application, underwriting/customer service contact numbers, sales support email on agent resources, and portal/reporting instructions for producers.