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
Current public materials for Patriot Select Property & Casualty Insurance Company focus on company positioning and agent resources and do not publish a detailed public underwriting guide. The following operational summary is inferred from available official and quasi‑official sources and should be confirmed against the latest agent portal materials before use. Preferred / target business - Residential property only, focused on Florida homeowners today, with evidence of authority and historical or planned activity in Texas and Louisiana via regulatory and BBB profiles. - Standard and preferred homeowners in Florida’s admitted market, including HO forms for owner‑occupied dwellings, with emphasis on financial stability and conservative underwriting as the carrier re‑enters the market under new leadership and Demotech A (Exceptional) rating. - Business aligned with Citizens depopulation and Clearinghouse placements, as Patriot Select participates in Citizens’ Clearinghouse Powered by EZLynx for new business and take‑outs. Agents fully appointed with Patriot Select can return comparative quotes via the Clearinghouse once carrier credentials are added in EZLynx, suggesting a focus on policies eligible for Citizens but acceptable to Patriot Select under its own guidelines. Restricted or declined classes (inferred) - Likely to restrict or decline higher‑risk coastal, older, or poorly maintained properties, given Florida market conditions and the company’s stated “rigorous underwriting” and reliance on sophisticated risk management and reinsurance. - Higher‑risk wind, flood‑exposed, or structurally substandard homes are likely subject to tighter eligibility, inspections, and mitigation requirements, especially when sourced via Citizens depopulation programs. Geographic notes - Headquarters and primary operating focus are in Florida, where Patriot Select has authority to write homeowners business and participates in Citizens depopulation and the Clearinghouse for new business.([patriotselect.com](https://patriotselect.com/?utm_source=openai)) - BBB and other references indicate capability to write property business in Florida, Texas, and Louisiana; however, current marketing and corporate site content emphasize Florida homeowners, so non‑Florida activity should be verified directly with underwriting.([bbb.org](https://www.bbb.org/us/fl/saint-petersburg/profile/insurance-companies/patriot-select-property-and-casualty-insurance-company-0653-90215219?utm_source=openai)) Submission / quoting requirements (agent‑facing) - Agents must be fully appointed with Patriot Select to quote in the Citizens Clearinghouse Powered by EZLynx; unappointed agents will receive errors that delay Citizens quoting until Patriot Select credentials are added. Only the agency administrator can add carrier credentials, and each user must then attach their own Patriot Select login in the Clearinghouse.([citizensfla.com](https://www.citizensfla.com/-/20251113-new-carrier-added-to-the-clearinghouse-powered-by-ezlynx?utm_source=openai)) - New business from Citizens‑eligible risks can be quoted through EZLynx once Patriot Select is added as a carrier and the agent is appointed, positioning Patriot Select as an alternative to Citizens for qualifying risks. - Policyholder self‑service (documents, billing, claims FNOL and tracking) is handled through the Patriot Select customer portal; agents are directed to use dedicated sales and marketing contacts and an agent login, implying that detailed appetite and underwriting rules are housed behind the portal rather than on public pages.([patriotselect.com](https://patriotselect.com/contact/?utm_source=openai)) Broker / producer notes - Appointment is required before placing business through Citizens’ Clearinghouse; appointment requests are to be made directly to Patriot Select using contact details on the corporate site.([citizensfla.com](https://www.citizensfla.com/-/20251113-new-carrier-added-to-the-clearinghouse-powered-by-ezlynx?utm_source=openai)) - Agents are given a dedicated sales and marketing contact channel and agent login; operationally, this suggests that any specific appetite guides, coastal‑distance rules, roof age limits, mitigation credit rules, and inspection requirements must be retrieved from the secure agent portal or obtained from the sales/marketing team. Important caveat - No public‑facing Patriot Select underwriting or detailed appetite guide was found; therefore, this summary should be used only as a directional, high‑level view. For binding authority, specific eligibility, and class restrictions, consult the Patriot Select agent portal or underwriting contact directly.