NYCM Insurance
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 public underwriting guidance located is a Dwelling Fire/Home property underwriting PDF dated 6/15/2017. Current public-facing NYCM home pages continue to position business as New York-focused personal lines sold through local independent agents, with agent access handled through the NYCM Agent Lobby. For Home, the clearest published appetite is for standard owner-occupied New York homes that can pass inspection and be supported by replacement-cost valuation. Prior approval is required for: Coverage A values $500,000+ in Protection Class 9; Coverage A over $1,000,000; Protection Class 10; historical homes; risks under renovation or construction; log homes; vacant risks; mobile homes over 15 years old; any losses within 5 years; seasonal/secondary residences without primary support; and rental units without primary support. Declined/ineligible classes include: business on premises including bed & breakfast; student housing; rooming houses; frame row houses; spec homes; converted commercial buildings; homes with fuses, aluminum wiring, knob-and-tube wiring, or galvanized incoming water pipes; and homes using wood heat as the only heat source. Inspection is required, including additional locations; interior inspections are completed by the company on homes over $750,000. For 1-4 family rental units, minimum coverage must be 50% of replacement cost, and a 360Value Cost Estimator is required with all new applications. Each deeded property must be written on a separate policy, though multiple dwellings at the same location may be written on one policy. Tenant-occupied risks with animals, pools, or trampolines require proof of tenant insurance. Animal restrictions are explicit: exotic pets are unacceptable, as are dogs with prior bite history or aggressive tendencies, plus Pit Bull Terriers, American Staffordshire Terriers, Staffordshire Bull Terriers, Bull Terriers, American Bulldogs, and mixes including those types. Geographic note: NYCM markets home insurance as made for New York, so appetite should be treated as New York-centric. Submission/broker notes: public consumer pages direct prospects to find a local agent for quotes; producer-facing access appears to be through the Agent Lobby, which references Agency Services support, registration, Elite, 360 Value, and interactive features rather than publishing newer open-web appetite details. No newer verified public underwriting/appetite page was found beyond the 2017 official PDF, so this refresh should be treated as based on the latest publicly verifiable official guidance currently accessible on NYCM’s website.