Insurance House
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 official website is Insurance House. The current public site is now positioned primarily around non-standard Private Passenger Auto and agent appointment resources, but the official Homeowners underwriting/apetite piece provided is still the Insurance House Higher Touch Homeowners brochure PDF. For Home, Insurance House presents itself as a market for harder-to-place homeowners risks rather than standard preferred-only business. Preferred/target opportunities called out include hard-to-place homes with no prior insurance, multiple losses, prior cancellation or non-renewal, older or historic homes, homes under renovation, coastal homes needing wind coverage, and log homes. Coverage options highlighted include ACV and replacement cost options, ACV roof options, mechanical breakdown, personal and premises liability, personal property, optional other structures, ALE, water backup, limited mold/pollution protection, CyberSafety, rental dwelling coverage, coastal exposures, protection class issues, and accounts with frequent or severe losses. No detailed public declination list was found on the official site; instead, the brochure indicates product features remain subject to individual company rules, so underwriting restrictions likely depend on the accessed carrier/program. Geographic notes for Home are not specifically stated in the homeowners brochure. However, the current public website and appointment pages emphasize active operations in Georgia and North Carolina for current core business and direct agents to local branches, so producers should confirm state availability for Homeowners before submission. Submission/producer guidance publicly available is limited: brokers are instructed to contact their local branch to learn more about Homeowners, and the broader carrier site directs agencies to a Get Appointed / Request Appointment workflow. Appointment messaging stresses independent-agent distribution, completion of an online agency form, and follow-up by Insurance House with next steps and approval. Operationally, treat Insurance House Home as an access market for specialty or difficult personal residential risks, especially coastal, older, renovation, loss-troubled, or prior-coverage-problem accounts, with final acceptability and documentation subject to the underlying company/program rules rather than a fully published standalone appetite guide.