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
Carrier focuses exclusively on Florida homeowners risks. Business is written only in Florida; verify current county/ZIP availability and moratoriums with Agency Underwriting as market conditions change frequently. Preferred business - Owner-occupied, primary residences with solid maintenance and no major prior losses. ([en.wikipedia.org](https://en.wikipedia.org/wiki/People%27s_Trust_Insurance_Company?utm_source=openai)) - Single-family homes and eligible townhomes built and maintained to current Florida wind/roof standards; acceptable roofs with remaining useful life per inspection. - Applicants with continuous prior homeowners coverage and clean loss history (or minimal, well‑documented losses). - Properties passing internal inspection program; carrier places heavy emphasis on inspection and loss‑mitigation features. Restricted / higher‑scrutiny business (often requires UW review) - Any risk that generates UR (Underwriting Review) in the system must be emailed or phoned in to Agency Underwriting for a manual decision before binding. ([cdn.pti.agency](https://cdn.pti.agency/Agency/Website/Upload/2021/10/31150405/Training-Guide-ATG-20231101.pdf?utm_source=openai)) - Older homes, older roofs, prior claims, or incomplete updates; risks in higher‑hazard wind or convective storm territories; exposures with borderline condition issues. - New business during active CAT events or shortly thereafter may be subject to binding restrictions or moratoriums; confirm with UW. Commonly declined / ineligible - Properties or applicants that fail to meet underwriting or inspection standards after the initial underwriting/inspection period. Carrier reserves the right to cancel during that period for non‑compliance with underwriting requirements. ([johnsonstrategiesllc.com](https://johnsonstrategiesllc.com/wp-content/uploads/downloads/2014/05/Exposure-Management-Summary.pdf?utm_source=openai)) - Homes with significant existing damage, unresolved roof issues, serious maintenance problems, or uninsurable supplemental hazards (e.g., severe structural, electrical, or liability hazards). - Risks outside Florida or non‑homeowners property lines (no condo associations, commercial, etc. under this company). Geographic notes - Admitted Florida domestic homeowners carrier writing exclusively within Florida; risk appetite and capacity vary by region due to reinsurance and exposure management. ([en.wikipedia.org](https://en.wikipedia.org/wiki/People%27s_Trust_Insurance_Company?utm_source=openai)) - Expect tighter underwriting and possible restrictions in coastal, high‑wind, and historically high‑loss territories; agents should check system eligibility by address and follow UW directions for any blocked or referred ZIPs. Submission requirements (agents / producers) - Quote in the PTI agency system; if a UR (Underwriting Review) appears, email UWSubmissions@pti.insure or call Agency Underwriting (561‑609‑1001) before binding. ([cdn.pti.agency](https://cdn.pti.agency/Agency/Website/Upload/2021/10/31150405/Training-Guide-ATG-20231101.pdf?utm_source=openai)) - Standard new‑business package typically includes: signed People’s Trust homeowners application, proof of prior insurance showing expiration date and location, and any required inspection or supporting docs noted by UW. - A home inspection must be completed within 30 days of binding; inspection is ordered and handled per PTI process and cannot be uploaded by the agent. ([cdn.pti.agency](https://cdn.pti.agency/Agency/Website/Upload/2021/10/31150405/Training-Guide-ATG-20231101.pdf?utm_source=openai)) Broker / producer notes - Use the dedicated Agency Underwriting contacts for any eligibility, UR, or complex risk questions; PTI expects agents to call or email UW rather than work around system blocks. ([cdn.pti.agency](https://cdn.pti.agency/Agency/Website/Upload/2021/10/31150405/Training-Guide-ATG-20231101.pdf?utm_source=openai)) - Pay close attention to post‑bind inspection findings; failure to correct noted issues can result in cancellation during the underwriting period. - PTI positions itself as a preparedness‑focused Florida homeowners specialist with a strong emphasis on reinsurance and catastrophe management; expect conservative appetite during stressed CAT seasons. ([newsroom.peoplestrustinsurance.com](https://newsroom.peoplestrustinsurance.com/peoples-trust-insurance-completes-reinsurance-purchase/?utm_source=openai)) Operationally, treat PTI as a Florida‑only, inspection‑driven homeowners market: quote in system, immediately clear any UR with UW, bind only when documentation and property condition appear fully acceptable, and monitor inspection results closely for required corrections.