Obie 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
Obie’s published appetite is focused on landlord and real estate investor business, with a digital quoting/binding model for investment properties rather than broad standard personal lines. Current public-facing guidance indicates preferred business includes single-family rental properties, 2-4 unit multifamily, condo units, townhomes, short-term rentals, and apartment-style landlord risks, with specific expansion for 5-8 unit residential properties. Obie states instant, bindable quotes are available for a wide range of these landlord risks, and its FAQ references traditional dwelling fire forms including DP1, DP2, and DP3, plus solutions for additional structures and renovation-related landlord exposures. Geographic notes publicly verified: Obie markets landlord insurance in all 50 states on its property insurance materials, and specifically states its 5-8 unit residential program is available in 47 states plus Washington, DC. Public pages do not provide a full state-by-state restriction list, detailed class declinations, or complete underwriting prohibitions; however, the published appetite is clearly narrow to investment/landlord property business and not standard owner-occupied homeowner business. Submission expectations are strongly digital: agents and insureds are directed to enter an address, obtain a quote, and bind online, with Obie emphasizing fast, bindable quotes and minimal delay. For agents/producers, the process shown is request appointment, complete onboarding/training, then begin offering policies; Obie also notes a dedicated agent platform, instant quoting workflow, and an Agent Resource Hub containing full eligibility details and underwriting guidelines for the 5-8 unit program. Broker/producer notes: Obie highlights speed, auto-populated property data, fully digital binding, and the ability for agents to place mixed investor portfolios including 1-4 and 5-8 unit risks through one platform. Obie’s public terms also indicate that when using its brokerage services, the customer agrees to designate Obie as broker or agent of record and to work exclusively with Obie for those brokerage services unless otherwise agreed. Because no comprehensive official appetite guide or decline list was publicly verified on the main site, restricted/declined classes beyond the narrow landlord-investment focus should be treated as not publicly confirmed and referred to the agent resource hub or Obie underwriting support.