Leatherstocking Cooperative Insurance Company
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 public guidance is a carrier Product Overview dated October 2025 plus product pages on the official site. For Homeowners, Leatherstocking targets primary residences and will allow up to 3 rented units on a homeowners risk. Incidental business or farming exposures may be considered, but underwriter contact is required. Tenant homeowners require at least $6,000 personal property coverage. Landlords appetite includes 1–4 family rentals, with larger than 4 units pushed to commercial; liability is available up to $2M and multiple properties on one policy may be possible with underwriting review. Mobile/manufactured homes are accepted, but 1990 or older units are Form 1 only, written on ACV loss settlement; replacement cost endorsement is available only for homes 15 years old or newer. Seasonal residences are accepted without a supporting primary-home account requirement; short-term rentals are acceptable only with UW involvement; seasonal homes over $300,000 Coverage A are Form 1 only unless an approved low-temperature alarm is installed and proof is provided. Dwelling Fire is used for harder-to-package or non-package property risks, including vacant, under-renovation, new-build, standalone barn, and condo exposures; dwelling fire mobile home appetite includes rented mobile homes and travel trailers. Geographic note: business is written exclusively through local licensed independent agents in Upstate New York, but the carrier also publishes a separate Long Island homeowners program for Nassau and Suffolk counties limited to 1–2 family primary residences. Long Island restrictions are strict: no risks within 1 mile of the coast or inlets, no prior losses, and maximum Coverage A of $1M. General underwriting notes affecting home business: personal building valuation guidance is $170–$250 per square foot, with Long Island at $200–$300 per square foot; 80% insurance to value is required for replacement cost. Applicants with fraud, bribery, foreclosure, bankruptcy, judgment, or litigation history are ineligible. Prior losses, code violations, and previously declined coverage are referral items requiring UW review. Any account with total insured value over $2,000,000 must be submitted to reinsurers for approval and cannot be bound pending that approval. Producer/broker handling notes: Leatherstocking writes through local licensed independent agents, offers an Agent Directory on its website, and repeatedly instructs agents to contact underwriting for referral situations such as incidental business/farming, multiple-property landlord schedules, short-term rental seasonal risks, high-limit seasonal homes, prior losses, code issues, or large TIVs. Public product pages also highlight optional inland flood coverage for homeowners, dwelling fire, seasonal residence, and landlords, plus equipment breakdown and underground utility line endorsements for certain personal lines products.