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 National Insurance Company (marketed as Lilypad Insurance) is a coastal-focused property writer offering primarily HO3 homeowners and DP3 dwelling fire coverage to personal lines customers in underserved, wind‑exposed markets. Publicly available information is largely marketing‑level; detailed underwriting manuals and producer appetite guides are distributed through agent/wholesaler channels and are not posted on the open website. Preferred business / target profile - Coastal and near‑coastal residential properties needing full homeowner or dwelling fire coverage, including in higher hurricane and climate‑risk areas where standard markets have withdrawn. Lilypad positions itself as a specialist in these geographies rather than an all‑states writer. ([lilypadins.com](https://www.lilypadins.com/?utm_source=openai)) - Standard HO3: primary, owner‑occupied 1–4 family dwellings with typical exposures; coverage oriented to structure, personal property, and premises liability. ([lilypadins.com](https://www.lilypadins.com/all-products/homeowners?utm_source=openai)) - DP3 dwelling fire: non‑owner‑occupied and rental properties needing named‑peril or special‑peril coverage with optional liability; intended for landlords/investors rather than primary‑residence E&S placements. ([lilypadins.com](https://www.lilypadins.com/all-products/dwelling-fire?utm_source=openai)) - Homes where insureds are willing to accept significant wind/hurricane deductibles and to invest in risk‑mitigation features such as fortified roofs and protective devices (the company highlights discounts tied to IBHS Fortified Roof standards and alarm systems). ([lilypadins.com](https://www.lilypadins.com/all-products/dwelling-fire?utm_source=openai)) Geographic notes - Lilypad’s holding company owns Centauri Specialty Insurance Company and Centauri National Insurance Company; together they serve coastal states including Alabama, Florida, Hawaii, Louisiana, Mississippi, South Carolina, and Texas. Current marketing materials and legacy Centauri pages indicate that Lilypad National Insurance Company provides homeowners coverage in Louisiana and participates in multi‑state coastal programs alongside Centauri entities. ([centauriinsurance.com](https://centauriinsurance.com/?utm_source=openai)) - Operational messaging emphasizes "underserved coastal communities" and hurricane‑exposed regions; assume appetite is concentrated in those coastal Gulf/Atlantic and island markets, not broad national inland. ([lilypadins.com](https://www.lilypadins.com/?utm_source=openai)) Coverage / product structure (operational highlights) - HO3 homeowners: standard modern package policy with coverage for dwelling, other structures, personal property, personal liability, and loss of use, designed for a broad range of perils including fire, theft, vandalism, and certain natural catastrophes. Messaging stresses customizable limits and endorsements and the importance of understanding exclusions and sub‑limits. ([lilypadins.com](https://www.lilypadins.com/all-products/homeowners?utm_source=openai)) - DP3 dwelling fire: designed for non‑owner‑occupied/rental properties with coverage for the building and optionally contents and liability, typically on a more limited basis than HO3; positioned as appropriate when insured does not need comprehensive homeowners coverage (e.g., investors/landlords). ([lilypadins.com](https://www.lilypadins.com/all-products/dwelling-fire?utm_source=openai)) - Discounts: referenced discounts for protective devices (water, fire, theft alarm systems) and for roofs built or retrofitted to Insurance Institute for Business & Home Safety (IBHS) Fortified standards; these are implemented per company underwriting rules by state and may materially affect pricing for wind‑exposed risks. ([lilypadins.com](https://www.lilypadins.com/all-products/dwelling-fire?utm_source=openai)) Restricted / declined business (inferred from positioning; not explicitly listed) - Because Lilypad and its affiliates focus on coastal markets and catastrophe‑exposed property, expect tight controls on: - Older roofs without updates or mitigation, especially in high‑wind tiers. - Properties with prior significant hurricane, wind, or water losses. - Unoccupied or poorly maintained dwellings that do not fit standard HO3 or DP3 guidelines. These controls are standard in the segment but are not spelled out on public pages; exact age/condition rules must be confirmed with current underwriting guides. Submission & producer notes - Lilypad markets through appointed independent agents and MGAs; policies are "marketed, distributed, and serviced" by Arbol National Insurance Managers Inc., acting as MGA for Lilypad National Insurance Company. Producers will generally submit through that MGA platform or affiliated wholesaler systems rather than directly to the carrier. ([lilypadins.com](https://www.lilypadins.com/?utm_source=openai)) - Public site provides only consumer‑facing "Find an agent" and product overviews; there is currently no open producer portal or posted underwriting appetite guide on the main Lilypad domain. Expect that detailed eligibility matrices, inspection requirements, and documentation standards are available only inside producer systems or via agency bulletins. - For legacy Centauri business now under Lilypad ownership, commercial underwriting contacts and service emails (including a commercial underwriting mailbox) still appear on Centauri’s site, but these relate primarily to Centauri‑branded commercial lines, not Lilypad‑branded homeowners/DP3, and should not be used for new Lilypad personal lines submissions. ([centauriinsurance.com](https://centauriinsurance.com/?utm_source=openai)) Operational guidance for brokers (based on available information) - Treat Lilypad as a specialized option for coastal homeowners and landlords where standard admitted markets have reduced capacity, especially in the seven Gulf/Atlantic states historically served by Centauri and Lilypad National. - When placing business, be prepared for higher wind/hurricane deductibles and to document mitigation features (roof type/age, IBHS Fortified certification, alarm systems, etc.) to access available credits. - For precise eligibility (construction year, protection class, distance to coast, roof requirements, prior loss thresholds), consult Lilypad/Arbol agent guides or your wholesaler; these details are not published on public pages and may differ by state and program.