Maison 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
Publicly available, carrier-specific underwriting or appetite guides for Maison Insurance Company are not currently published in an open agent/producer resources section. Operational insight must therefore be inferred from corporate/ratings and ownership disclosures, and any detailed class-of-business rules, eligibility grids, or binding restrictions should be obtained from the secure agent portal (MAIS) or directly from the current program manager/MGA. Current positioning and product scope - Maison Insurance Company is a Louisiana‑domiciled personal property insurer, historically focused on coastal homeowners markets in Texas and Louisiana, with authority also obtained in Florida for personal lines. Product scope includes Homeowners, Manufactured Home, Wind & Hail only, and Dwelling Fire programs.([demotech.com](https://www.demotech.com/pdfs/fsr_attachments/misc/p_2018_02_14568_update.pdf?utm_source=openai)) - Operations have been associated with a managing general agency structure (Maison Managers, Inc.; more recently business aligned under FedNat and a managing general underwriting agreement with SageSure Insurance Managers for homeowners property). This means that day‑to‑day underwriting rules, target classes, and submission workflows are typically controlled and updated via the MGA’s manuals and portals rather than static PDFs on maisonins.com.([sec.gov](https://www.sec.gov/Archives/edgar/data/1591890/000149315218003887/form10-k.htm?utm_source=openai)) Preferred/target business (inferred) - Personal residential property risks in catastrophe‑exposed coastal and near‑coastal territories of Louisiana and Texas; historically Maison has emphasized experience in catastrophe‑prone states and maintains reinsurance support and conservative underwriting for these markets.([demotech.com](https://www.demotech.com/pdfs/fsr_attachments/misc/p_2018_02_14568_update.pdf?utm_source=openai)) - Standard to above‑average quality, well‑maintained dwellings written on admitted paper, distributed through appointed independent agents. Restricted or declined business (inferred / to confirm with MGA) - No explicit public list of prohibited classes. As a coastal property writer, agents should assume heightened scrutiny or possible declination for: - Severe loss‑history accounts (multiple prior wind/hail or water losses; non‑weather fire or liability losses). - Poor condition properties, uncorrected underwriting or loss‑control recommendations, or substantial unrepaired damage. - Non‑standard occupancies for personal lines (e.g., active farm exposures, significant short‑term rental or room‑sharing operations, or primarily commercial occupancies) that fall outside standard HO/DP/Manufactured Home forms. - Locations with concentration issues or moratoriums during active tropical events. - Confirm current disqualifiers, dog‑bite/animal liability rules, vacancy limits, and any roof‑age/roof‑condition thresholds inside the MGA/agent manuals, as these are often state‑specific and change frequently for coastal carriers. Geographic notes - Historically active in Louisiana and Texas personal residential markets; licensed and authorized for personal lines in Florida as well, though post‑acquisition restructuring may affect current new‑business appetite by state and county.([demotech.com](https://www.demotech.com/pdfs/fsr_attachments/misc/p_2018_02_14568_update.pdf?utm_source=openai)) - As with other coastal property writers, expect detailed county/ZIP‑level rules, wind or hail deductibles, and potential use of separate wind/hail‑only forms for certain coastal tiers; these details are controlled via the rating/underwriting platform rather than a public guide. Submission & processing expectations - Submissions and policy administration are routed through the MAIS agent portal (bankersinsurance.com/MAIS.jsp) and/or the designated MGA platform (e.g., SageSure system where applicable). The portal is required for quoting, issuing, endorsements and accessing any embedded underwriting prompts or questionnaires.([secure4.bankersinsurance.com](https://secure4.bankersinsurance.com/MAIS.jsp?utm_source=openai)) - Agents should: - Use the portal for real‑time eligibility checks; many coastal rules are coded (roof age, distance to coast, prior carrier, prior cancellations/non‑renewals, etc.). - Complete all catastrophe‑relevant data fields (construction type, roof age/material, protection class, distance to coast, prior carrier and loss history) at quote stage. - Expect binding restrictions and moratoriums during named storms or wildfire events; binding authority and any temporary suspension are communicated via portal bulletins or email from the MGA. Broker/producer notes - Distribution is through appointed independent agencies; appointment, commission, and detailed underwriting guidance are administered by the managing general agency (Maison Managers historically; currently also via FedNat/SageSure relationships).([sec.gov](https://www.sec.gov/Archives/edgar/data/1591890/000149315218003887/form10-k.htm?utm_source=openai)) - Producers must maintain portal access credentials and follow any state‑specific program guides provided after appointment. Public sources do not include specific documentation requirements, but coastal carriers in this segment commonly require: - Prior carrier declarations and loss runs when triggered by history, size of risk, or underwriting referral. - Photographs or inspections for older homes, high‑value dwellings, manufactured homes, or risks with borderline eligibility characteristics. - Because Maison’s business is part of a broader program/holding‑company structure, agents should treat the MGA/program guide as the controlling document and verify: - Current open/closed status for new business in each state or coastal band. - Any special binding authority limits (TIV caps, maximum coverage A, distance‑to‑shore limits) and referral triggers. Operational takeaway: Maison remains a specialized coastal personal property market whose detailed homeowners/manufactured home/wind‑only/DP guidelines are embedded in its MGA‑run systems rather than a public appetite PDF. For accurate underwriting rules, producers must log into the MAIS or MGA portal or contact underwriting; do not rely solely on old or third‑party summaries.