Homesite
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 public guidance is limited and appears marketing-oriented rather than a true underwriting appetite guide. Homesite publicly markets Home and Small Business/Commercial products, with Workers' Compensation listed as part of its commercial offering. For Home, current published positioning is owner-occupied personal lines protection for dwellings and contents, with standard core coverages for dwelling, personal property, loss of use, personal liability, and medical payments to others. Publicly referenced optional enhancements include identity theft protection, personal injury/libel-slander coverage, scheduled or higher-value valuables coverage, extended dwelling coverage, earthquake endorsement availability in most states, and separate flood availability. Public exclusion guidance on the home page notes that flood is not included in the base homeowners policy and states that common exclusions can include earthquake, war, nuclear hazard, pollutants, government action, neglect, intentional loss, and fungus/mold; it also notes pricing/eligibility varies by geography and other insurability factors. A Homesite coverage comparison PDF visible on the official site also indicates business use can be restricted under the homeowners form, reinforcing that home risks with material business exposure may require separate handling. For commercial business, Homesite publicly identifies General Liability, BOP, and Workers' Compensation, and says BOP is best suited to small businesses such as restaurants, retail stores, and businesses needing storefront or equipment/property protection; GL is positioned for firms without significant property/equipment needs; Workers' Compensation is offered for employee injury benefits. No official public class-by-class preferred, restricted, or declined Workers' Compensation appetite, payroll thresholds, hazard-class limitations, or state availability guide was found on verified public pages, so those items should be treated as not publicly published/not verified. Geographic notes are likewise not specifically published on the verified public-facing underwriting pages, other than Homesite offering online quote entry by ZIP and noting home premium/insurability factors vary by location and catastrophe exposure. Submission/process notes: Homesite directs prospects to start quotes online, and its quote page indicates some quote flows move to the American Family Insurance website; for business quotes, the site references retrieving a saved business quote from an email sent by Homesite Insurance Agency. Broker/producer notes: a verified secure agent portal exists, but access requires agency activation by Homesite Insurance; the portal provides separate assistance contacts for processing procedures and for coverage/quote/policy questions. Public business service contact details are also posted for commercial servicing. Overall operational takeaway: use Homesite for standard personal home placements and small-business package needs where an online/direct model fits, but do not rely on a public appetite guide for Workers' Compensation or detailed commercial class eligibility; obtain state/product-specific underwriting direction through the activated agency channel before marketing nonstandard, higher-hazard, or class-sensitive risks.