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 site shows NYCM is a New York-focused personal lines carrier distributed through independent agents. For Home, the only clearly verifiable official underwriting/appetite document located is the Dwelling Fire Underwriting Guidelines PDF dated revised 6/15/2017. Current public site content supports homeowner product availability but does not surface a newer public home appetite guide. Operationally, preferred business appears to be standard New York owner-occupied homeowner risks and supporting personal lines business written through NYCM-appointed/participating independent agents. For dwelling fire/rental business, prior approval is required for: Coverage A $500,000 or greater in Protection Class 9; Coverage A over $1,000,000; Protection Class 10; historical homes; risks under renovation or construction; log homes; vacant risks; mobilehomes over 15 years old; any losses within 5 years; seasonal/secondary residences without primary support; and rental units without primary support. Declined/ineligible classes in the verified guideline include: business on premises including bed and 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 wood heat as the only heat source. Inspection requirements: risk must pass physical inspection, including additional locations, and interior inspections are completed by the company on homes over $750,000. Submission requirements/producer notes in the guideline: 1-4 family rental units must be written at a minimum of 50% of replacement cost; 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; and proof of insurance is required for all tenants with animals, pools, or trampolines. Liability/animal restrictions: exotic pets are unacceptable, and dogs with prior bite history or aggressive tendencies are unacceptable; the guideline also lists Pit Bull Terriers, American Staffordshire Terriers, Staffordshire Bull Terriers, Bull Terriers, American Bulldog, and mixes including those breeds as unacceptable. Geographic notes: NYCM markets itself as insurance made for New York and works with independent agents located within New York State, so appetite should be treated as New York-only unless a producer agreement states otherwise. Broker/producer handling note: public-facing site directs prospects to Find an Agent rather than direct online submission, indicating business is expected to flow through local independent agents; no newer public broker submission checklist for Home was verified on the official site.