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
Verified current public guidance indicates Patriot Select is a Florida-focused personal residential carrier writing Homeowners HO-3 through licensed independent agents. The company states its product is available across Florida and its preferred program is accepting new applications statewide, alongside Citizens takeout/assumption activity. Publicly posted materials do not provide a full formal appetite guide or hard decline list, so underwriting direction must be inferred from product, agent, and submission materials. Preferred business appears to be owner-occupied Florida homes fitting standard HO-3 underwriting, with complete and accurate property data, especially updated roof/plumbing/electrical/HVAC information, and risks that can be documented cleanly for fast quote-to-bind handling. Submission quality matters: Patriot specifically asks agents to upload permits or 4-point inspections when system prefill conflicts with recent updates, explain prior losses in remarks/comments, and account for detached structures up front to avoid manual review and premium changes. Prior losses are not presented as automatic disqualifiers, but unexplained losses trigger underwriting scrutiny. Geographic note: all public messaging is Florida-specific, and the company positions itself as serving Florida homeowners statewide. Product/coverage materials show a standard HO-3 base with optional endorsements rather than broad customization. Publicly visible restrictions/limitations in the coverage worksheet include no coverage for structures with thatch/grass/palm/lattice/slat or similar roof coverings; earthquake not covered; incidental occupancy not covered; scheduled personal property not covered; identity theft/fraud expense not covered; extended/increased replacement cost on dwelling not covered; and sinkhole, water backup, and animal liability available only by endorsement. Windstorm or hail may be excluded. Broker/producer notes: business is distributed through independent agents; Patriot has an agent portal and supports IVANS download. Agent appointment materials emphasize Florida commitment and ask prospective agencies for E&O details, comparative rater/management system, production volume, carrier mix, loss ratio, and expected HO3 premium/policy commitments, suggesting a selective agency-partner model. For policy servicing, Patriot directs insureds to work through their agent for policy changes.