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
Verified official guidance is limited and consumer-facing rather than a formal public underwriting or broker appetite guide. Lilypad currently markets Homeowners (HO3) and Dwelling Fire (DP3) products, with stated focus on underserved and coastally exposed communities. Preferred business appears to be owner-occupied homes needing customizable homeowners coverage and, separately, non-owner-occupied or rental properties for DP3; the company repeatedly emphasizes coastal property solutions and hurricane-exposed risks. Product pages highlight covered perils such as fire, smoke, hail, hurricanes, lightning, theft, vandalism, and certain accidental water losses, with optional endorsements including water backup/sump, ordinance or law, other structures, scheduled personal property, personal injury, personal property replacement cost, and Fortified Roof-style upgrade coverage where available by state/program. Geographic notes: Lilypad states it serves policyholders across seven states combined and its agent locator shows active distribution in Gulf Coast/coastal markets, but no public state-by-state appetite map or binding territory guide was found; treat placement as coastal/Gulf-oriented and confirm state/program availability with an appointed agent. Restrictions/declines are not published in a formal public appetite guide; however, the Dwelling Fire form is expressly described as suitable for non-owner-occupied or rental properties and more limited than homeowners coverage, implying owner-occupied homes should generally be routed to HO3 rather than DP3. Submission expectations: consumers are directed to obtain quotes and coverage selection through an independent agent, and available endorsements/terms vary by state and program. Broker/producer notes: no verified public producer manual, appetite bulletin, or submit-business portal instructions were found on the public site; operationally, producers should use the carrier’s agent network/contact path, verify state eligibility, occupancy, coastal zone fit, and endorsement availability before submission, and expect coverage customization to be agent-assisted rather than self-service. Discounts publicly referenced include loss-free history over 3 years, protective devices for water/fire/theft, and recent renovations to HVAC, roof, electrical, and/or plumbing.