Lumen Select
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 remains limited and is primarily marketing/consumer-facing rather than a formal appetite guide. For Home, Lumen Select presents a personal-lines homeowners product focused on owner quality and property characteristics. Published rating/underwriting factors indicate preference for insureds with good credit history, pride of ownership, homes with favorable characteristics/features, protective devices such as burglar alarms/smoke detectors/sprinklers, and customers who bundle homeowners with Lumen Select auto. The site states it uses replacement cost estimating and, for certain customers, offers a market-value insurance option. Loss-sensitive note: renewal premium increases are specifically disclosed for non-weather claims, with examples including fire, sudden water leak, and dog bite claims. Geographic note: Lumen Select states it sells through appointed independent agents in Arkansas, Missouri, Oklahoma, and Texas, and its partner page says it operates as Program Administrator for Cimarron Insurance Company in those same four states. No official page reviewed provided a detailed list of restricted or declined classes, occupancy prohibitions, age/value thresholds, protection class limits, or CAT/wildfire/coastal exclusions, so those items could not be verified from published official materials. Submission/producer guidance: business is distributed through appointed independent agents only; prospective agencies must submit an agent application, complete a fit review, receive an Agent Portal demo, and, after approval, are onboarded with a Lumen Select Associate. Broker/producer operational notes published on the site emphasize use of the online Agent Portal to quote/issue and direct consumers to contact an appointed agent by phone or email if they need placement assistance. Overall, current official materials support a tech-enabled personal homeowners program in AR/MO/OK/TX with preference for well-maintained risks and better-insured profiles, but they do not publish a robust public underwriting appetite or formal declination list.