Lilypad 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
Lilypad currently publishes consumer-facing rather than detailed broker appetite guidelines for Homeowners. Verified official guidance indicates a coastal-focused personal lines carrier writing homeowners business through independent agents in Alabama, Florida, Hawaii, Louisiana, Mississippi, North Carolina, South Carolina, and Texas, with homeowners specifically shown as available in Florida, Louisiana, Texas, Alabama, Mississippi, South Carolina, and North Carolina. The published product appears oriented to standard owner-occupied home risks needing core property, personal property, ALE, and liability coverage, with optional endorsements and state/program-specific discounts subject to underwriting eligibility. Publicly stated rating factors include home age/construction, location, and claims/credit history where permitted, suggesting preference for insurable residential construction with acceptable protection features and loss history. Explicitly identified exclusions/restrictions on the homeowners page include flood unless separately insured, earthquake/earth movement unless endorsed, wear and tear or maintenance issues, pest damage, intentional damage/neglect, certain high-value items unless scheduled, and sewer/drain/sump backup unless endorsed. Additional endorsement guidance shows animal liability and service line options with restrictions, and indicates animal-related liability is not automatic and subject to underwriting limits. Geographic notes: website-level footprint includes Hawaii, but the verified homeowners page does not list Hawaii availability; Hawaii appears to have separate servicing/contact instructions, so confirm state-specific availability before submission. Broker/producer notes: business is placed via independent agents; insureds are directed to find a local agent for quotes, and the agent portal/login environment is published under the For Agents section. Lilypad states policies in all states where it writes business except Hawaii are marketed, distributed, and serviced by Arbol National Insurance Managers Inc. Submission/operational expectations available publicly are limited: use the agent channel for new business, confirm state/program availability, and expect eligibility, discounts, terms, limits, and exclusions to vary by state and program. No detailed public declination list, valuation limits, age-of-home cutoff, protection-class rules, or broker appetite matrix was found on verified official pages, so underwriting should be treated as case-by-case pending agent access or direct carrier confirmation.