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 current public-facing Homesite pages show a consumer-oriented small business and personal lines platform rather than a detailed broker appetite guide. For commercial, Homesite currently markets General Liability, Business Owner's Policy (BOP), and Workers' Compensation. The commercial page indicates target business is small business, with BOP positioned for businesses such as restaurants and retail stores and for accounts needing storefront or equipment/property protection; GL is positioned for business owners that do not need broader property/equipment coverage. Workers' Compensation is described broadly for employee injury wage replacement and medical benefits. No public official class-by-class underwriting manual, prohibited class list, minimum premium guide, target payroll thresholds, or explicit state availability matrix was found on verified Homesite public pages. Geographic notes: Homesite publishes a member-companies page showing multiple underwriting entities and specifically notes that in Texas some policies are underwritten by Homesite Insurance Company or Homesite Indemnity Company, while certain property coverages may be written by Ranchers & Farmers Mutual Insurance Company and certain liability coverages may be written by Homesite Lloyd's of Texas; this suggests state/entity variation by product and location. Submission/process notes: Homesite emphasizes simple online quoting for commercial insurance rather than broker submission instructions. A verified agency login page exists and states agency access must be activated by Homesite before use, but no public producer appointment or appetite documentation was located. Broker/producer operational notes: use the commercial quote path for small business opportunities, confirm state/entity placement and product availability before submission, and expect to contact Homesite directly for business insurance service or claims via commercialservice@homesite.com or 1-877-515-2196 when needed. For Home, verified public guidance is also consumer-facing: Homesite markets broad homeowners coverage for dwelling, personal property, liability, and optional add-ons such as identity theft protection, personal injury, valuables coverage, and extended dwelling coverage. Public legal notices also indicate optional wildfire defense services may be available for homes meeting wildfire underwriting rules, but no public home underwriting appetite guide with preferred or declined dwelling characteristics was found. Overall refresh result: verified public guidance supports Homesite as a personal lines and small-business writer with online quote capability, but detailed underwriting appetite, restricted classes, and submission standards are not publicly published on the verified official pages reviewed.