Millennial Specialty Insurance Group
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
MSI’s verified public guidance for the listed product lines centers on personal flood plus homeowners solutions distributed through agents/brokers. For Personal Flood, MSI positions the program for homeowners needing broader-than-NFIP protection, with quoting/binding through its technology platform in minutes, 5-7 day waiting period, and no elevation certificate or appraisal required. Published availability is all states except Louisiana, Alaska, Kentucky, and Hawaii. Coverage highlights shown include building up to $2 million, contents up to $1.3 million, deductibles from $1,000 to $10,000, and optional broad features such as a $10,000 interim-needs/coverall endorsement. Publicly stated ineligible or restricted flood risks include barrier islands, manufactured homes, and properties with two or more prior flood losses; MSI also notes there are additional exclusions. For Homeowners, MSI publicly separates Coastal Homeowners and E&S Homeowners. Coastal Homeowners is targeted to single-family primary, secondary, or rental homes in catastrophe-exposed coastal markets, with admitted HO3 availability shown in Massachusetts, Florida, and Texas, up to $1.5 million Coverage A depending on state, liability up to $1 million, broad deductible options, optional flood, possible age restrictions, and ability to insure homes owned by LLCs or trusts. E&S Homeowners is targeted to homes needing broader market access nationwide, including catastrophe-exposed areas, with public limits shown up to $10 million property and $1 million liability, multiple deductible options including very high deductibles, optional flood, and LLC/trust ownership acceptability. Across these products, MSI emphasizes preferred business that can be placed via its online portal using built-in third-party data/modeling, often producing instant or rapid quotes; if referral is needed, customized quotes are usually turned around within 24 hours. Broker/producer notes: MSI’s agent/broker page highlights instant online bindable quotes on certain coverages, broad appetite, and fast approval process. Partner inquiry/submission requests ask for agency name, address, website, states of appointment, and product interest selections, indicating MSI expects producer onboarding or lead submission through its partner contact workflow rather than a public downloadable appetite guide. No detailed public declined-class list beyond the flood ineligibility notes was verified on official pages.