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 confirms Loggerhead is a Florida-focused homeowners insurer operating as Loggerhead Reciprocal Interinsurance Exchange and marketing home insurance for Floridians. Current public-facing guidance appears consumer-oriented rather than a formal producer appetite or underwriting guide, and no verified official underwriting/appetite/broker submission page was found. Published positioning suggests preferred business is Florida owner-occupied homeowners risks seeking standard home coverage, with emphasis on well-maintained homes, transparent claims handling, and policy customization. Public educational materials also indicate interest in second homes/vacation homes, but no formal eligibility grid, occupancy matrix, valuation limits, protection class parameters, construction limits, age thresholds, coastal restrictions, or binding authority guidance were publicly verified. Restricted/declined indicators are indirect only: Loggerhead’s public content notes that trampolines can make homes unacceptable to many standard carriers, and discusses how older roofs/systems, vacancy, adverse claims history, and difficult-to-insure characteristics can reduce insurability in the Florida market; however, Loggerhead does not publish these as explicit decline rules on a verified underwriting page. Geographic note: the company consistently presents itself as serving Florida homeowners, so current public appetite appears limited to Florida residential property. Submission/access notes: the site offers consumer quote flow and agent service contact information, including a dedicated agent service phone number ((855) 216-2565) and weekday service hours of 8:00 AM to 5:00 PM ET, but no official broker portal, producer appointment instructions, submission checklist, or required underwriting documentation were publicly verified. Broker/producer takeaway: treat Loggerhead as a Florida personal lines homeowners market with limited publicly posted underwriting detail; confirm appetite, eligibility, and submission requirements directly with agent service before marketing any non-standard, secondary/vacation, older-home, vacant, or higher-hazard risks.