Patriot Select Property & Casualty Insurance Company
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
Patriot Select is a Florida-focused personal lines carrier writing homeowners business only, centered on standard HO-3 coverage for owner-occupied homes in Florida. Current public materials show a Florida homeowners positioning rather than a broad multiline appetite. Preferred business appears to be standard residential owner-occupied homes needing base HO-3 coverage with optional endorsements and package upgrades (Patriot and Minuteman packages). Geographic emphasis is Florida; public-facing language repeatedly references protecting Florida homeowners and commitment to the Florida market. No official public appetite guide with detailed class-by-class eligibility, construction limits, protection class, age, coastal tiers, or occupancy restrictions was located on the verified site, so those items are not confirmed from public sources. Published coverage details provide some practical underwriting signals. The carrier’s HO-3 worksheet shows flood is not covered; earthquake is not covered; extended/increased replacement cost is not covered; identity theft/fraud expense, incidental occupancy, scheduled personal property, homeshare hosting, and several hazardous/recreational exposures are not covered in the base offering shown. Trampolines, ramps, diving boards, pool slides, bounce houses, zip lines, empty pools, and similar exposures are listed as not covered. Animal liability is not included by default but an endorsement is available. Sinkhole coverage and water backup coverage are available by endorsement. Windstorm or hail can be excluded by endorsement. Structures with roofs or coverings made of thatch, grass, palm, lattice, slats, or similar material are stated as not covered. The worksheet also reflects special water-damage-related limitations, including a $10,000 combined limit for accidental discharge/overflow from plumbing, HVAC, appliances, or fire sprinkler systems, plus repair/tear-out limitations and rules around company authorization for permanent repairs. Submission and underwriting process notes are limited but useful. Patriot Select states it frequently conducts certified inspections on homes it insures; most are exterior-only, but interior inspections may be scheduled when needed. Its FAQ specifically references 4-point and wind mitigation inspections, indicating these are important underwriting/eligibility or pricing documents in the Florida homeowners workflow. A producer-facing article states submission-to-bind speed improves when agents upload permits or a 4-point inspection immediately if public records do not reflect updates to roof, plumbing, electrical, or HVAC systems. Operationally, agents should expect inspection-driven underwriting review and should provide complete property-condition documentation early, especially on updates to core systems. Broker/producer guidance available publicly is light but clear: business is distributed through agents, policy changes are directed through the insured’s agent, and interested agencies must apply via the carrier’s online agent application. The agent application asks for homeowners production data, monthly HO-3 volume, premium volume, target commitment to Patriot Select, current carrier mix, and approximate loss ratios, indicating the carrier is evaluating agency homeowners expertise, production capacity, and portfolio performance before appointment. No public broker bulletin, appetite matrix, or formal submit-business contact page with class restrictions was found beyond the website’s product, FAQ, contact, and agent onboarding pages. For submissions or appointment discussions, the public site directs agents to the online application and lists salesandmarketing@patriotselect.com and 888-404-5804 for agent contact.