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 current agent-facing guidance positions the program around landlord and real-estate-investor property business rather than owner-occupied personal lines. Preferred business includes investment properties and rental housing, especially 1–4 unit rental properties, single-family rentals, condos, townhomes, secondary homes/investment properties, and short-term rentals. Obie also markets coverage for multifamily, apartment risks with 5+ units, and traditional dwelling fire / special-form style needs including additional structures or renovation-related scenarios. Agent materials emphasize fast, often instant or near-instant bindable quotes through the Obie Agent Portal, with quoting turnaround promoted as as little as about 90 seconds. Geographic guidance published on the official agent page states agents can currently sell in all U.S. states and Washington, D.C., except Alaska, Hawaii, and New York; the pre-appointment page likewise states 47 states excluding AK, HI, and NY. Submission / appointment expectations: agencies must request appointment first, then complete onboarding/training, and then write business via the portal; onboarding materials indicate setup requires agency and agent details such as agent name, email, NPN, and resident state license. Broker / producer notes: Obie appears focused on independent agents and agency partners, with technology-enabled self-service quoting, binding, and servicing via its Agent Resource Hub. Publicly verified official pages do not provide a detailed hard-decline list or class-by-class restricted appetite beyond the product/property focus and state exclusions, so no additional declined classes were confirmed from official sources. Operationally, treat Obie as a landlord-investor market with strongest published fit for rental-property schedules and 1–4 unit risks, confirm availability for larger apartment or specialty occupancy through the portal/underwriter, and expect appointment plus portal-based submission before binding.