Loggerhead Risk Management
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 website for Loggerhead Insurance / Loggerhead Reciprocal Interinsurance Exchange. No dedicated public underwriting, appetite, broker submission, or producer portal page was verified on the official site during this refresh. Publicly available official content indicates Loggerhead is a Florida-focused admitted property insurer offering homeowners coverage for Florida homes and families, with messaging centered on owner-occupied home protection and customer service. Replacement-policy pages also show active participation in Florida takeout/depopulation and renewal replacement activity, including assumed Citizens policies and select Progressive Home/ASI nonrenewals. Practical appetite indicators from official content suggest preferred business is Florida personal residential homeowners risks, especially owner-occupied homes, rather than broad commercial or landlord/investor property business. A notable restriction appears on the Progressive replacement page, which says Progressive Home in Florida is focusing on owner-occupied homes and is no longer providing dwelling fire coverage for landlords/investors; while that statement is about Progressive’s portfolio actions, Loggerhead’s replacement-page framing and site-wide product positioning do not evidence an appetite for landlord/investor dwelling fire business. Geography is clearly Florida-specific in all verified official materials. Submission/binding instructions publicly available are consumer-transition oriented rather than broker-facing: insureds are instructed to set up an online account, review and electronically sign the homeowners application packet, and make payment online; mortgage-billed accounts should confirm mortgagee information, and Loggerhead states it will bill the mortgage company and, for Citizens assumptions, notify the mortgage company. Broker/producer notes publicly available are limited to contact guidance only: agents with questions are directed to Agent Service at (855) 216-2565 during Monday-Friday 8:00 AM-5:00 PM ET. No public schedule of classes, protection classes, age/roof restrictions, coastal/wind rules, minimum premiums, or formal declined-risk list was verified on the official site, so underwriting decisions and broker submission criteria likely require direct agent engagement.