Honeycomb Insurance Company
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
Honeycomb’s currently published producer-facing guidance positions the carrier as a habitational-focused market for real estate risks. Preferred business includes condo associations, apartment buildings, and single-family rental properties, with broader public-facing references to building owners, property managers, developers, and HOA/COA accounts. The producer page highlights a commercial package offering combining property and general liability, with insured property limits up to $25M and GL limits of $1M/$2M. Operationally, Honeycomb emphasizes instant bindable quotes, online quote/bind capability in about 5 minutes, self-serve customization of coverages and deductibles, flexible direct-bill payment plans, and no ACORD application requirement for the core flow. Published underwriting notes indicate no building age restrictions. Geographic availability shown on the official agent/licensing pages includes AZ, CA, CO, CT, GA, IL, IN, MA, MD, MI, MN, MO, NC, NJ, OH, OR, PA, TX, UT, VA, WA, and WI; the site states solutions are available to over 50% of the U.S. population, so brokers should confirm state availability and appointment status before submission. Restriction/declination detail is limited on the public official pages reviewed: Honeycomb clearly concentrates on habitational real estate and does not publish a detailed public in-appetite / out-of-appetite class list, so non-habitational or unrelated commercial classes should be treated as outside the stated sweet spot unless separately confirmed. Notable broker instructions: agents are invited to become appointed through the agent portal, the approval process is described as fast, and business is expected to be submitted through Honeycomb’s digital platform rather than traditional manual applications. The public site also notes a newly launched excess liability offering, but detailed underwriting appetite for that product was not verified on an official underwriting page.