Pacific Specialty
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 current official underwriting material found for California Homeowners HO-3 Preferred Form (manual edition 14) and California HO-6 Unit-Owners form (manual edition 10). PSIC’s public producer materials emphasize a digital producer dashboard for quote/bind, support team access, training resources, and no bundling requirement. Preferred Home business appears to be owner-occupied private residences: HO-3 is for single-family titled-owner occupied dwellings used principally for private residential purposes, with dwelling limits from $70,000 to $3,500,000; HO-6 is for primary owner-occupied, seasonal, and tenant-occupied condo/townhouse/planned development units where a community master policy covers the building, with personal property limits from $5,000 to $500,000. Submission/binding rules: signed application and supporting documentation are required; quoted-and-bound online applications can be printed and submitted; if premium is paid in full documents must be mailed within 15 days, and if direct bill is requested within 5 days. HO-3 submit/unbound referrals include replacement cost above $1.3M new / $1.6M renewal, private-party lender, more than two unrelated deed holders, disputed prior-loss situations needing explanation, FireLine score above 3 only when written with PO39-CA Difference in Conditions and concurrent California FAIR Plan/equivalent, and professionally installed commercial woodstoves with completed PU1 inspection report and photo. HO-6 submit/unbound referrals include wood burning stoves with completed PU1, risks titled in corporate/business names including Land Trusts except LLCs when the managing member is an additional insured, and private-party lenders. Geographic/cat notes: PSIC may suspend or restrict binding under catastrophe management and may impose temporary/permanent geographic concentration restrictions; no new coverage or exposure-increasing endorsements are accepted when binding authority is restricted. HO-3 brush/forested/increased fire hazard locations require 500 feet of brush clearance unless PO39 is attached; properties with FireLine >3 require FAIR Plan/equivalent plus DIC structure to be considered. HO-6 declines units in or within 500 feet of brush fire or landslide areas, in forested areas, or with FireLine score above 3. Key HO-3 declines/restrictions include protection class 9 or 10 unless PO39 attached; isolated/inaccessible firefighting locations; landslide/mudslide areas; poor neighborhood/pride-of-ownership issues; unfenced or noncompliant pools/spas, pools with slide/diving board unless excluded, unmaintained pools, trampolines unless excluded; homes built before 1900; barns over $20,000 or farming/ranching equipment; mobile/modular/prefab/boat/houseboat/floating/portable/basement/canvas structures; unusual or irreplaceable construction; no permanent foundation, posts/stilts/pilings; prohibited roof types/poor-condition metal or copper roofs; roof-age restrictions causing PM5 fire-and-lightning-only roof limitation if older/poor condition without proof of replacement; trees overhanging roof; wood/coal/pellet/kerosene/space/wall heaters as main heat; unpermitted or extensive remodeling; unrepaired damage/open claims/potential defects/disputes/lawsuits; no fire extinguisher; anything other than 100% copper wiring, any aluminum wiring, any fuse service; no deadbolts on all exterior/garage access doors; under 750 sq ft; polybutylene pipes; not insured to 100% replacement cost; shared-wall properties except certain townhouse/row house units up to 8 units per building; unacceptable animal liability exposures if limited animal liability is purchased, including listed dog breeds, bite-history dogs, farm or exotic animals; vacant/not occupied within 15 days of effective date; adverse loss history thresholds; FAIR Plan participation unless written with PO39-CA; seasonal/secondary homes; business or illegal activity; rental exposures or any rented space. Key HO-6 declines include unfenced/noncompliant pools/spas, mobile/modular/houseboats/portable/canvas structures, units under construction, on piers/pilings, without utilities, poor maintenance/pride-of-ownership issues, unrepaired damage/open claims including earthquake, and personal property over $500,000. Inspection/fees: HO-3 uses independent inspection on each new and renewal property, with a $70 nonrefundable policy fee; HO-6 inspections are on all new business and every other annual renewal, with a $65 nonrefundable policy fee. Broker/producer notes: PSIC distinguishes affiliated vs non-affiliated producers; onboarding for non-affiliated producers may take longer. Required onboarding items listed by PSIC are W9, license or NPN certificate, E&O policy, broker bond, EFT agreement, onboarding checklist, and appointment questionnaire/producer survey.