Nationwide Private Client (Crestbrook)
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
Nationwide Private Client (formerly Crestbrook) positions its personal lines as a high‑net‑worth/affluent solution rather than standard market home, with bundled offerings across home, auto, collections, and umbrella. Publicly available material is marketing‑oriented; detailed numeric underwriting rules and class‑by‑class matrices are not posted, but several operational points and recent strategic changes are clear. Preferred / target business (homeowners & related): - Affluent, higher‑value homes and clients looking to consolidate home, auto, collections and umbrella with one carrier, with an emphasis on customized coverage and higher limits than typical mass‑market forms.([nationwide.com](https://www.nationwide.com/privateclient/sitemap?utm_source=openai)) - Primary residences, second homes and condos with good maintenance and quality construction, often paired with higher umbrella limits and scheduled valuable articles. - Customers willing to implement loss‑prevention recommendations (home surveys, mitigation for natural catastrophe exposures, personal security and cyber/ID theft best practices); the site emphasizes a home survey consultation and extensive loss‑prevention resources as part of the offer.([nationwide.com](https://www.nationwide.com/privateclient/sitemap?utm_source=openai)) Restricted / declined business and strategic pullback: - California: Crestbrook/Nationwide Private Client has filed to withdraw from the California homeowners market and is non‑renewing high‑net‑worth home policies, with all non‑renewals to be completed by mid‑June 2025. This effectively removes CA homeowners from their appetite except for legacy policies in run‑off.([insuranceinsiderus.com](https://www.insuranceinsiderus.com/article/2cwvz4qlmqsujvxwf0cu8/personal-lines/nationwide-private-client-to-begin-non-renewing-ca-customers-in-june?zephr_sso_ott=fot7rB&utm_source=openai)) - More complex or ultra‑high‑risk placements: industry coverage indicates Nationwide is "retiring" the Private Client brand and moving away from the most complex high‑net‑worth risks, implying a tighter appetite around very high TIVs, heavy CAT, and other complex exposures, and a shift back toward standard/affluent rather than ultra‑HNW.([theinsurer.com](https://www.theinsurer.com/ti/news/nationwide-moves-ahead-with-hnw-pullback-after-crestbrook-submits-ho-exit-filings-in-ca/?utm_source=openai)) - File references for Crestbrook home forms refer to separate property underwriting guidelines and note that owner‑occupied secondary/seasonal dwellings are eligible only when the primary home is insured with Crestbrook; non‑owner‑occupied dwellings require endorsement and specific underwriting. These references imply restrictions on stand‑alone secondary homes and rental conversions if the primary is not in‑house.([filingsdirect.com](https://filingsdirect.com/docs/CAIA/2018/January/3%20Nationwide%20HO%20Crestbrook%20Personal%20Home%20rate%20rule%2012%2017%20SCTT-130974497.pdf?utm_source=openai)) Geographic notes: - Nationwide Private Client markets broadly in the U.S., but has formally withdrawn or is withdrawing its high‑net‑worth homeowners product in California. Producers should treat CA high‑value home as out‑of‑appetite for new business and expect non‑renewals on legacy Private Client home accounts by June 15, 2025. - No public, state‑by‑state appetite chart is posted; treat other CAT‑prone states as potentially tight and subject to more restrictive underwriting, inspections and mitigation requirements. Submission & placement expectations (based on public and industry context): - Business is distributed through appointed agents. The Private Client site directs prospects to "find an agent" or contact the Private Client Solutions Center rather than offering direct‑to‑consumer quoting.([nationwide.com](https://www.nationwide.com/privateclient/sitemap?utm_source=openai)) - Expect full submission packages for home: updated replacement‑cost details, prior insurance, loss runs, details on secondary/seasonal/vacant exposures, and alignment with Private Client’s broader account strategy (home + auto + umbrella + collections). - California: do not submit new Private Client homeowners risks; existing CA homeowners should be handled as non‑renewal/re‑placement exercises with other carriers per the filed withdrawal. Broker / producer notes: - Position the product as an integrated HNW/affluent solution. Cross‑selling auto, umbrella and collections with the home is consistent with Nationwide Private Client’s marketing focus and improves fit with their risk profile.([nationwide.com](https://www.nationwide.com/privateclient/sitemap?utm_source=openai)) - Be proactive with existing CA Private Client home accounts: manage expectations about non‑renewals, timelines through June 15, 2025, and the need to remarket coverage well ahead of non‑renewal dates. - Because detailed underwriting manuals are not public, producers should rely on territory underwriters and agency bulletins for specifics such as maximum TIV by territory, protection class thresholds, wildfire‑zone mapping, and construction/roof limitations. Overall, Nationwide Private Client home remains an affluent personal lines offering but is shrinking its footprint in high‑net‑worth homeowners, notably exiting California and tightening its appetite for complex HNW property. Treat new home opportunities as account‑driven (home + other personal lines), pay close attention to state‑level restrictions, and route any borderline or complex placements to underwriting early for suitability review.