Prepared Insurance
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
Prepared Insurance appears to be an independent retail agency rather than a carrier, and no formal carrier underwriting manual, broker appetite guide, or producer portal was verified on the official site. The published guidance is consumer-facing and indicates the agency places homeowners insurance, with additional auto and business capabilities, across NC, SC, VA, GA, FL, and TX. For home business currently sought, the site emphasizes standard owner-occupied homeowners risks and customized personal lines placement, with Florida-specific marketing highlighting wind/hail and flood needs. The most operationally useful underwriting signal is the home quote intake form, which shows the agency screens for primary residence status, ownership/purchase date, current insurer, prior claims within 5 years including cause, paid amount and closure status, swimming pools, diving boards/slides, hot tubs, trampolines, pets/dog breed, and key property system ages or update dates for water heater, plumbing, air conditioning, and roof. Additional risk features requested include home security system, indoor fire sprinkler system, gated community status, and freestanding structures such as fences or sheds. Practical read-through: preferred business likely includes standard personal homeowners with complete risk details, while risks with loss history, attractive nuisance exposures, certain animals/dog breeds, or older/unknown major systems may receive closer review or limited market options. Geographic notes published on the site state the agency represents insureds in NC, SC, VA, GA, FL, and TX; Florida marketing specifically calls out catastrophe/weather and water-loss concerns. Submission requirements available publicly are quote-request based rather than producer/broker based: submit insured contact data, property address, DOBs, occupancy/ownership details, current carrier, 5-year claims history, liability exposure details, and dates/conditions of major systems. Notable instructions: no broker-specific or producer appointment instructions were verified on the official site, and no formal decline list, binding authority rules, or agency download/portal guidance was found.