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
Insurance House’s currently published Home guidance is positioned as specialty personal lines homeowners business written through retail agents. Preferred/target risks called out include coastal homes with wind coverage, log homes, older or historic homes, homes under renovation, rental dwellings, high-value or highly customized homes, manufactured/mobile homes, low-value dwellings, seasonally occupied homes, and other homes that are difficult to place in the standard market. The website also states it can help on owner-occupied or seasonal homes that are not eligible for standard placement because of age, claims history, dwelling value, or dwelling size. The Home brochure specifically highlights harder-to-place characteristics such as no prior insurance, multiple losses, prior cancellation/non-renewal, protection class issues, coastal exposures, and frequent or severe losses. No formal declined-class list or state-by-state blacklist was found on the public official pages reviewed, so restrictions appear to be carrier/program dependent rather than fully published publicly. Geographic notes publicly emphasize coastal exposures and wind coverage rather than a broad national appetite map. Coverage/program notes publicly mentioned include replacement cost and actual cash value options, including ACV on roofs, water backup, limited mold and pollution protection, cyber safety coverage, mechanical breakdown, personal and premises liability options, personal property, optional other structures, additional living expense, and rental dwelling solutions. Submission/distribution guidance indicates Insurance House sells through retail agents, encourages agents to contact a local branch, and offers agent login / online quoting resources for current agents. Public materials do not provide a detailed mandatory submission checklist, but broker-facing instructions emphasize contacting the local branch to learn more and using Insurance House technology/tools for quoting and service. Operationally, this is a specialty-home market for non-standard, coastal, older, customized, seasonal, and hard-to-place risks where brokers should expect program-specific rules to govern and should provide enough risk detail on occupancy, age/condition, renovation status, prior insurance, loss history, coastal/wind exposure, protection class, and dwelling characteristics to match the risk to the appropriate market.