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
Verified current public guidance is strongest for MSI Flood. Preferred business: homeowners needing private flood coverage, including properties outside high-risk zones; MSI positions the product for fast quote/bind, broader-than-NFIP limits, and agent-assisted or customer-initiated quoting through its technology platform. Flood coverage highlights currently published: up to $2.5M combined building and contents, deductibles from $1,000 to $10,000, generally 5-day waiting period, no elevation certificates or appraisals required, and quoting/binding in minutes through the MSI platform. Geographic notes: personal flood is advertised in all states except Louisiana, Alaska, Kentucky, and Hawaii; MSI also states coverage cannot be issued in areas currently impacted by weather events that could result in flooding, indicating catastrophe/moratorium restrictions. Restricted/declined or ineligible risks explicitly noted: barrier islands, manufactured homes, and risks with two or more prior flood losses; MSI also notes there are additional exclusions beyond those examples. Submission and underwriting expectations: MSI emphasizes data-driven automated quoting, allows agents to email customers to self-build quotes, and advises contacting MSI/agent when no quote is returned because additional information or geography/building limitations may apply. Broker/producer notes: MSI works exclusively with selected agency partners for flood and is appointing selected agencies only; agents seeking appointment are directed to contact Contactflood@msimga.com. MSI states commission is competitive with NFIP/private market. Homeowners product lines are visible on MSI and agent-resource pages, but I did not verify a public appetite/underwriting guide for general Home beyond product listing, so operational guidance here should be treated as flood-specific unless MSI provides broker-only materials via its agent knowledge base or portal.