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
Officially published guidance appears in a Leatherstocking product overview PDF (October 2025 edition) and on the carrier website. Leatherstocking writes exclusively through local, licensed independent agents and states it does business exclusively in Upstate New York, while also publishing a specific Long Island homeowners program for Nassau and Suffolk Counties. For Homeowners, preferred business is primary residences, including owner-occupied risks with up to 3 rented units. Incidental business or farming exposures may be acceptable but require underwriter review. Claim-free renewal credit is available. The carrier also highlights optional inland flood coverage for homeowners, with eligibility and premium based on property location, and notes that this endorsement does not replace NFIP requirements. Related personal-lines appetite published by the carrier includes tenant homeowners, landlords, mobile/manufactured homes, seasonal residences, and dwelling fire, which may indicate flexibility for companion or alternative placements when standard homeowners does not fit. Published restrictions/conditions include: Long Island homeowners are limited to primary residences only, 1-2 family, with risks within 1 mile of the coast or inlets prohibited, prior-loss risks prohibited, and Coverage A capped at $1,000,000. Seasonal residences over $300,000 are form-restricted unless an approved low-temperature alarm is installed and proof is provided. Mobile homes built 1990 or older are written on Form 1 only with ACV settlement; replacement cost is only available for homes 15 years old or newer. Landlords are 1-4 family rentals; larger habitational goes commercial. Dwelling fire is used for more unique property risks and the carrier explicitly lists vacant, under-renovation, new-build, standalone barn, and condo risks as acceptable in that form, suggesting those are generally outside standard homeowners appetite. Submission/broker notes: business is written through local agents only; the website directs prospects to the agent directory rather than direct submissions. The website also references an agent portal and insured portal. Several classes or situations are flagged with 'contact UW,' including incidental business/farming exposures, multiple landlord properties on one policy, and short-term rentals for seasonal residences. A hazardous materials report form is posted for every fire insurance policyholder engaged in commerce in New York State and must be forwarded annually to the local fire department, though this applies to commercial/fire business rather than standard home risks. No broader public broker manual or detailed homeowners decline list beyond the product overview was verified on the official site.