People’s Trust 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
People’s Trust is a Florida-focused homeowners writer with current producer resources hosted on its official agency site. Published guidance shows appetite for owner-occupied primary homes on HO-3 and owner-occupied or tenant-occupied homes on Basic Choice, with HO-3 generally for owner-occupied risks and Coverage A up to at least high-value tiers subject to underwriting review. Public consumer pages indicate HO-3 is primarily targeted to owner-occupied homes with values of $100,000+ statewide and $200,000+ in Miami-Dade, Broward, and Palm Beach; Basic Choice is aimed at owner-occupied or tenant-occupied homes with values of $50,000+ statewide and $100,000+ in those tri-county markets. Seasonal/secondary dwellings can be eligible if occupied more than 3 months per year, with a 10% surcharge; rentals are Basic Choice only. Key geographic notes: barrier island properties are ineligible, and proof of flood insurance is required on new business within 3 miles of the coast. PTI requires its own interior/exterior inspection on homes older than 5 years, generally through Home Inspection Services; failure to complete the inspection within 21 days of inception can result in cancellation. Eligibility highlights from the published agency training guide include roof-age thresholds by material, with tighter tri-county limits for tile/metal roofs; examples include 25 years or newer for clay/concrete tile/metal in most of the state and 20 years or newer in Miami-Dade/Broward/Palm Beach, plus 15 years or newer for shingle, cedar shake, and many flat roofs. Plumbing/electrical issues may be restricted rather than automatically declined: polybutylene is eligible only with water exclusion, galvanized piping is eligible with limited water, older water heaters inside the home may refer, and single-strand aluminum, knob-and-tube, cloth wiring, and fuse panels refer to underwriting. Published restricted/declined classes include vacant properties, existing/unrepaired damage, business exposure with foot traffic or business goods, historical homes, lead paint, asbestos, structures over water, farm/ranch/grove exposures, unfenced or unscreened pools/spas or empty in-ground pools, exotic/vicious animals, mobile/manufactured homes, stilt/piling/open-foundation construction over 3 feet if not properly enclosed, unpermitted construction, irrevocable trusts, triplex/quadraplex risks, solar roofs, short-term vacation rental/student housing, more than two roomers or boarders for HO-3, and townhouses/row houses with more than two family units in a fire division. Prior insurance is a major underwriting item: the 2023 guide lists force-placed coverage and no prior insurance over 45 days as ineligible, but the official August/Summer 2026 underwriting update says PTI will now consider risks with no prior insurance or force-placed insurance if an acceptable pre-bind home inspection is completed; alternatively, the policy may be bound with water excluded pending PTI inspection review. Submission/binding guidance: agents may bind new business below $800,000 Coverage A; if a UR appears, underwriting must be contacted. High-value homes at $800,000+ Coverage A require a formal underwriting review before binding, with a published 48-hour turnaround target, minimum 3% hurricane deductible, $2,500 AOP deductible, and a detailed RCE strongly encouraged; proof of repairs is requested on prior-loss properties. Required/commonly requested upload items include a signed PTI application (e-sign accepted), purchase document such as HUD/Closing Disclosure/Warranty Deed, OIR-B1-1802 wind mitigation form with color photos, proof of prior insurance, and alarm proof when applicable. Operational producer notes: underwriting support is centralized through the Agency Underwriting team for eligibility questions, URs, red-bar requests, repair memos, endorsements, rewrites, reinstatements, and rush escalations; PTI also instructs agents to print and obtain signed exclusion forms when wind or contents is excluded. The Preferred Contractor Endorsement remains a notable selling/broker instruction point: optional on HO-3 and Basic Choice, available only at inception or renewal, gives a 5% discount, and routes covered repair/replacement through PTI’s selected contractor network with a stated 3-year workmanship guarantee.