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
Carrier: Insurance House (MGA/wholesale broker focused on personal lines). Product line in scope: Homeowners (including harder-to-place and specialty home risks). Preferred / target homeowners business: - Homes that may be underserved in the admitted standard market where a wholesaler/MGA solution is needed (e.g., non-standard characteristics, prior issues, or unique construction/occupancy). - Coastal homes where wind coverage is needed, using access to multiple products to tailor coverage.([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) - Older or historical homes, including those under renovation, where standard carriers may have age/condition restrictions.([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) - Log homes and other non-standard construction types that typical personal lines carriers often restrict or decline.([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) Notable appetite highlights / hard-to-place focus: - Explicit appetite for “hard to place risks,” including: - No prior insurance. - Multiple prior losses. - Prior cancellation or non‑renewal with another carrier.([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) - Ability to work with homes in coastal areas requiring wind coverage when many standard carriers are limiting or exiting this exposure.([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) Coverage and product notes (homeowners): - Insurance House positions its homeowners offerings as solutions where it can access “several products” to fit customer needs, indicating use of multiple carrier/program partners rather than a single form.([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) - Marketing highlights emphasize: - Protecting a client’s home as a significant investment and focusing on matching coverage and price appropriately. - Limited mold and pollution protection available (suggests tighter coverage than full broad-form mold, and that terms/limits may be restrictive or program-specific).([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) Geographic notes: - The homeowners appetite PDF is generic and does not list explicit state or territory restrictions. It reads as a broad program marketing sheet intended for producers in multiple states, but specific state eligibility, forms (admitted vs. non-admitted), and coastal distance-to-shore rules are not detailed and must be confirmed with the underwriter or program documentation. Operational/producer positioning: - Insurance House is a Managing General Agency and wholesale broker focusing on the placement of personal insurance, so access to its homeowners products is via appointed retail agents/producers, not direct-to-consumer.([insurancehouse.com](https://www.insurancehouse.com/History.aspx?utm_source=openai)) - Messaging to agents is “let us help you grow your homeowners business” and “we have access to several products,” reinforcing that the wholesaler role is to solve placement for non‑standard or more complex home risks.([insurancehouse.com](https://www.insurancehouse.com/IH-images/uploads/IH%20Higher%20Touch%20-%20Homeowners.pdf?utm_source=openai)) Restricted / declined classes (implied, not explicitly listed): - The guide is promotional and does not enumerate ineligible classes. However, by highlighting coastal, log, older/historic, under-renovation, and hard‑to‑place risks, it is implied that: - Very standard, loss‑free, newer tract homes may not be the primary focus versus non‑standard. - Final eligibility will depend on carrier/program rules; assume that severely distressed properties (poor condition, major unrepaired damage), unsupported liability exposures, and unacceptable prior loss patterns may still be declined despite the stated “hard to place” appetite. These parameters should be confirmed with the specific program underwriter. Submission and underwriting expectations (operational guidance for brokers): - The homeowners appetite document does not list a step‑by‑step submission checklist, but practical expectations for a retail agent submitting through an MGA like Insurance House typically include: - Completed ACORD homeowner or program-specific application. - Prior carrier and loss history (including details of cancellations/non‑renewals when present). - Construction, protection, and occupancy details, especially for older, historical, or log homes and properties under renovation. - Specific coastal and wind‑exposure information where applicable. - Because many featured risks are non‑standard (no prior, multiple losses, prior cancellation/non‑renewal), underwriters will expect complete narratives and documentation to support why the risk is now acceptable and what changes/mitigations are in place. - For coastal or older/historical homes, anticipate that photos, inspections, and documentation of updates (roof, wiring, plumbing, heating) may be required before binding or soon after policy inception, depending on the program. Broker / producer notes: - Insurance House markets itself as resourceful and problem‑solving oriented, emphasizing that its people work to "remove the worry, eliminate the hassles, solve the problems and create the solutions others turn from." This signals a willingness to review and try to structure coverage for more challenging personal lines home risks if the producer provides a full picture of the account.([insurancehouse.com](https://www.insurancehouse.com/Culture.aspx?utm_source=openai)) - The homeowners appetite guide directs producers to work with Insurance House to match each client’s specific needs and price point, reinforcing the expectation of open dialogue with underwriters for off‑profile or borderline accounts. Gaps / items not specified online: - No current, detailed homeowners underwriting manual (min/max Coverage A, age of home limits, distance to coast, protection class cutoffs, brush/wildfire rules, dog breed or liability restrictions, vacant/seasonal treatment, etc.) is published on the public site. - No explicit binding authority limits, inspection timeframes, or formal submission SLAs are posted on the public-facing materials. Operational takeaway for retail agencies: - Use Insurance House primarily for homeowners accounts that are: - Coastal (including with wind), - Older, historical, under renovation, - Non‑standard construction like log homes, - Or otherwise hard to place due to prior insurance gaps, losses, or cancellations. - Expect to provide a narrative and full underwriting details, particularly when submitting risks with prior issues. - Confirm state availability, carrier, and exact program rules with the assigned Insurance House underwriter before quoting or binding, especially for coastal wind, limited mold/pollution coverage, and other nuanced exposures.