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 operates as a digital program / brokerage platform focused on landlord and real estate investor risks rather than as a traditional mono‑line carrier with a published public appetite guide. Current public materials emphasize that Obie places coverage with AM Best‑rated carrier partners using a data‑driven platform designed specifically for investment properties, including short‑ and long‑term rentals, and tenant legal liability. Detailed carrier‑by‑carrier underwriting guides are not exposed publicly; agents are directed instead to Obie or distribution partners’ appetite guides. Preferred business / target profile - Investment property landlords and real estate investors, not owner‑occupied homeowners. Obie explicitly targets the 1–4 unit rental segment and portfolio investors across the U.S. - Property types called out as core: single‑family rentals, townhomes, 2–4 unit residential buildings, condo units, and other small residential rentals, including some short‑term rentals where eligible. - Platform is marketed for both individual landlords and portfolio/PropTech channels (e.g., property managers, marketplaces), with emphasis on standard, well‑maintained rental stock and the ability to quote and bind online with limited back‑and‑forth. - Coverage is placed with AM Best‑rated carriers, with typical landlord package features: property, liability, and loss of rental income. Tenant legal liability solutions are also offered for property managers/owners via a dedicated program, suggesting an appetite for structured tenant risk transfer in multi‑family or managed portfolios. Restricted / declined classes (inferred from marketing scope) - Owner‑occupied homeowners policies, non‑rental primary residences, and non‑real‑estate commercial classes are outside the publicly stated focus. - Large habitational beyond the 1–4 unit / small portfolio space or complex mixed‑use/commercial schedules likely require referral or alternate placement, as they are not described in Obie’s core marketing material. - Certain higher‑hazard short‑term rentals, heavy renovation projects, or properties with significant CAT exposure may be restricted or routed to specific E&S partners, but detailed public rules are not published; appetite is controlled inside the platform based on carrier risk profiles. Geographic notes - Obie markets landlord solutions as effectively nationwide, working with multiple carriers (including recent capacity additions such as specialty carriers) to offer options across the U.S. The platform highlights service to the broader U.S. landlord and investor market and discusses use in higher‑challenge states through appropriate carrier partners. - Specific state‑by‑state eligibility, admitted vs. surplus‑lines status, and CAT‑zone details are not listed publicly; those constraints are handled by the quoting engine and carrier selection logic. Submission / quoting expectations - Primary intake is digital: landlords, investors, agents, and embedded partners quote and bind through Obie’s online platform. The site emphasizes instant quote indications, customizable coverage, and the ability to activate coverage online. - The platform enriches a small set of user‑provided data with external data sources to reduce traditional supplemental applications and back‑and‑forth with underwriters. Risk selection and routing to carriers are driven by proprietary algorithms aligned with each carrier’s current appetite. - For agents/partners, Obie positions itself as a streamlined distribution option for landlord and tenant‑related products; formal submission requirements (ACORDs, supplemental apps, etc.) are not detailed publicly and are instead embedded in the platform workflow or partner documentation. Broker / producer notes - Obie itself is the primary distribution and risk‑placement interface; producers typically access landlord capacity by using Obie’s digital tools or via partner programs rather than submitting directly to each underlying carrier. - Marketing materials to partners stress: quick quote‑to‑bind process, minimal manual underwriting interaction for straightforward risks, and reliance on Obie to match each risk to an appropriate carrier based on current appetite (including CAT tolerance, construction year, and other underwriting data points). - Where broker‑facing appetite guides are referenced (e.g., third‑party wholesaler or agency collateral mentioning Obie landlord programs), they direct agents to an "Appetite Guide" and agent resource hub rather than listing granular rules in public view. These materials reinforce that Obie is intended for landlord / investment property risks (1–4 units, condos, townhomes, some short‑term rentals, vacant/minor reno) across most states, with more restrictive treatment in certain high‑hazard or capacity‑constrained jurisdictions managed inside the platform. Operationally, treat Obie as a landlord‑focused insurtech MGA/broker with a strong appetite for small residential investment properties nationwide, but without a publicly posted, line‑item underwriting manual. Use their platform as the front door for submissions and rely on its eligibility feedback and indications to determine when risks fall outside current appetite or need referral.