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 profile and appetite: - Insurance House operates as an MGA/wholesale broker focused on specialty personal lines distributed exclusively through appointed independent retail agents. They emphasize helping agents grow books using a wide variety of personal lines products and online tools rather than publishing a granular public appetite or class-by-class underwriting guide.([insurancehouse.com](https://www.insurancehouse.com/?utm_source=openai)) Preferred / target business (inferred from product set and positioning): - Standard and specialty personal auto, including higher‑value or collectible vehicles. - Owner‑occupied and secondary home risks, including high‑value homes, with capacity for dwelling fire, rental, and vacant dwellings where specialized programs are needed. - Personal marine (personal watercraft and yachts/high‑value watercraft). - Personal umbrella and schedules of valuable articles to complement their auto/home book. - Motorcycle and off‑road vehicles written in conjunction with broader personal accounts. - Agents looking for a multi‑product personal lines MGA partner with online rating for routine risks and underwriting support for more complex, non‑standard, or higher‑value risks.([insurancehouse.com](https://insurancehouse.com/Auto.aspx)) Restricted / declined classes: - No explicit public list of declined or restricted classes is provided. As a specialty personal‑lines MGA, expect standard E&S‑type personal P&C exclusions (e.g., heavy commercial exposures, stand‑alone commercial marine, pure commercial property/casualty, etc.). - Commercial MGA operations have been carved out and sold; they are now strategically focused on specialty personal lines, so stand‑alone commercial risks should be assumed out of appetite and placed elsewhere.([businessinsurance.com](https://www.businessinsurance.com/brown-brown-unit-acquiring-commercial-mga-hull-insurance-house/?utm_source=openai)) Geographic notes: - Insurance House historically serves independent agents in the Southeast and Mid‑Atlantic; the current site is consumer/agent facing without a published state list. Public materials reference servicing retail agents in multiple states but do not enumerate an active underwriting territory. Retail agents should verify active state appointments and program availability with their marketing/territory manager or via agent services before marketing new locations.([insurancehouse.com](https://www.insurancehouse.com/History.aspx?utm_source=openai)) Submission and quoting requirements (agents/brokers): - Distribution is limited to appointed independent agents; new agencies must go through an onboarding process via the "Become an IH Agent" pathway before accessing markets or online tools.([insurancehouse.com](https://insurancehouse.com/)) - Current agents access rating and policy tools through the secure Agent Login portal (Agent Online Services). Routine personal auto and "IHExpress Homeowners" can be quoted online once logged in. - More complex or non‑standard risks are intentionally not available for online quoting and must be phoned in to underwriting/customer service for placement support at 1‑800‑282‑7024. The site emphasizes consulting with local experts for complex risks or to grow an entire line of business. - Claims are reported via a dedicated auto claims portal and claims contact center; billing and policy service are handled through separate self‑service links (Pay Your Bill, Policy Service Contact) on the website.([insurancehouse.com](https://insurancehouse.com/AgentLogin.aspx)) Broker / producer notes: - Insurance House positions itself as an agency‑centric partner; they highlight strong relationships with appointed agents, local expertise, and access to multiple top personal‑lines carriers through their MGA structure. - Agents are expected to use online tools for standard risks and call in for complex submissions, indicating that fuller underwriting guidelines and carrier‑specific appetite details are delivered inside the agent portal or directly by underwriters/marketing reps, not on public pages. - Prospective agencies should use the "Get Started" onboarding link to be evaluated for appointment and system access before submitting business. Because the carrier does not publish a detailed public appetite or line‑by‑line underwriting guide, retail agents should rely on their Insurance House underwriter or marketing contact, plus materials inside the secure Agent Online Services portal, for specific underwriting rules, restricted classes, and state/program availability.