Imperial Fire & Casualty
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
No current, public, carrier-issued homeowners underwriting or appetite guide for Imperial Fire & Casualty could be located. Imperial Fire & Casualty is now part of National General/Allstate and is active primarily as a personal lines carrier (notably auto) in Louisiana and some other Gulf/Southern states, but official underwriting detail for homeowners is not published on an open producer or underwriting portal. Because there is no verifiable, up‑to‑date homeowners underwriting manual or appetite guide available from an official Imperial/Allstate/National General producer site, you should not rely on legacy guidelines. Treat all prior manuals as obsolete and obtain rules directly from the current program underwriter or managing general agent. Operational guidance: - Preferred business: Unknown for home; any assumptions (e.g., preferred newer, well‑maintained owner‑occupied dwellings in lower‑cat zones) would be generic to coastal property carriers and not specific to Imperial, so they should NOT be operationalized without carrier confirmation. - Restricted/declined classes: No carrier‑published list of prohibited or restricted home classes could be confirmed. Expect typical coastal property restrictions (older roofs, prior losses, severe coastal wind exposure, unprotected frame, prior cancellations) but treat this as speculative only and confirm each point with your Imperial/NGIC underwriter. - Geography: Public information indicates Imperial historically focused on Gulf/Southern states such as Louisiana and neighboring states, but current state footprint and county‑level eligibility for homeowners is not published. Do not quote or move business on the assumption a state is in‑appetite; get state/ZIP clearance from the carrier first. - Submission/producer instructions: There is no open producer underwriting or submission guide for Imperial homeowners. Agencies that represent Imperial are routing billing, payment, and claims through imperialfire.com and/or National General/Allstate systems, but specific new‑business submission standards (required forms, inspections, photos, loss history, binding authority, suspense rules) must be obtained from the current Imperial/NGIC marketing rep or underwriting contact. Practical next step: Treat Imperial Fire & Casualty homeowners as a controlled‑distribution program with non‑public rules. Before quoting or binding, contact your Imperial/NGIC underwriter or marketing representative and request the latest homeowners underwriting guide, appetite summary, and binding instructions, and then operationalize only what is documented there.