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
Preferred / target business: - Habitational real estate only: condo and homeowner associations (COA/HOA), apartment buildings, and single-family rental properties; also serves building owners, property managers, and developers focused on residential/condo projects.([honeycombinsurance.com](https://honeycombinsurance.com/)) - Commercial package of Property and General Liability for rental/association risks, marketed as a "rental property package" and commercial package for habitational risks.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Program highlights: instant bindable quotes, customizable coverages and deductibles, competitive pricing, admitted carrier with AM Best "Excellent" A- financial strength rating, and flexible direct bill payment plans.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - No stated building age restrictions; suitable for both newer and older habitational structures.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Typical insureds: landlord portfolios, HOA/COA master policies, small to mid-size multifamily and SFR rental schedules, and property managers/developers insuring residential buildings.([honeycombinsurance.com](https://honeycombinsurance.com/)) Restricted / declined classes (implied): - Appetite is explicitly confined to habitational risks; non-habitational commercial occupancies, industrial properties, and non-real-estate operations should be treated as out of appetite. - No explicit list of prohibited classes is published; assume off appetite for risks that are not primarily residential rental or association exposures, or that require specialized non-habitational GL or property forms. Geographic footprint / territory: - Available to more than 50% of the U.S. population with an admitted carrier platform. - Current listed states: AZ, CA, CO, CT, GA, IL, IN, MA, MD, MI, MN, NC, NJ, OH, OR, PA, TX, UT, VA, WA, WI.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - No separate coastal/wind restrictions are detailed on public pages; standard underwriter review still expected for higher-hazard catastrophe zones. Coverage & limits summary (habitational package / CPP): - Commercial package of Property and General Liability for rental properties and associations.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Property: building coverage including wind/hail and water damage; proprietary "Hexagon Property Coverage Enhancement" with enhanced Ordinance or Law A/B/C, water and backup of sewer and drain, employee dishonesty, computer fraud, forgery or alteration, electronic data, and options such as equipment breakdown and water backup/sump overflow.([honeycombinsurance.com](https://honeycombinsurance.com/coverage/)) - Liability: General Liability with $1M/$2M and $2M/$4M limit options (not available in CA for higher GL limit option, per program features call-out).([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Published property limits: insured property limits up to $10M per location/program (public marketing level; individual underwriting may vary).([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) Submission & underwriting process: - Distribution is through appointed agents using Honeycomb’s digital platform and agent portal (Queenbee) to quote, bind, and manage policies online. - Instant bindable quotes are available; process is driven by online intake (no ACORD applications required per agent page).([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Use of AI-driven inspector app: agents/insureds can upload property photos for rapid underwriting and inspection, reducing need for in-person inspections.([honeycombinsurance.com](https://honeycombinsurance.com/)) - Underwriting is focused on rental/association characteristics and property attributes; public pages do not provide granular eligibility rules (occupancy percentages, vacancy thresholds, etc.), so producers should be prepared to provide complete habitational schedules and building details through the portal. Broker / producer notes: - Honeycomb positions itself as a first-stop market for habitational risks and is marketed heavily to independent agents and brokers.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Agents must be appointed; the public "Agents" page routes to an online "Get Appointed" workflow with fast agent approval emphasized.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Platform is self-serve: agents can quote & bind online in about five minutes, customize coverages and deductibles, and use flexible direct-bill options.([honeycombinsurance.com](https://honeycombinsurance.com/agents/)) - Honeycomb is a general agent for affiliated insurers; policies are written on admitted paper in the states where offered.([honeycombinsurance.com](https://honeycombinsurance.com/)) Operational guidance for placement: - Steer to Honeycomb when you have: (a) residential HOAs/COAs, (b) small-to-mid multifamily, or (c) portfolios of SFR rentals needing a commercial-style package with property and GL. - Avoid submitting non-habitational commercial occupancies or risks whose primary exposure is not residential real estate. - Check current state eligibility against the published footprint and verify GL limit availability in California before marketing $2M/$4M options. - Use the agent portal for all submissions; ACORD forms are not required, but high-quality property details and schedules will improve quote quality and speed.