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
No current, carrier-published underwriting, appetite, or producer/agent guide could be located for Prepared Insurance Company or any related underwriting entity. Available online information primarily describes: - Prepared Insurance Company as a Florida-domiciled homeowners carrier (HO-3, HO-6, DP-3) that historically wrote business via independent agents and later merged with Lighthouse to expand its Florida footprint. These descriptions come from third‑party financial/exam and rating reports, not from an active carrier underwriting manual. - "Prepared Insurance Agency" in North Carolina as a retail independent agency marketing homeowners coverage placed with various insurers; its website is consumer-facing and does not provide carrier underwriting criteria or producer submission rules. Because no official Prepared Insurance underwriting guide, eligibility manual, risk appetite statement, or producer submission guide is currently available from the carrier (or any successor operating under the Prepared name), you should: - Treat any historical assumptions about appetite (Florida personal residential, HO-3/HO-6/DP-3, catastrophe‑exposed property) as informational only, not as live binding authority. - Obtain up-to-date underwriting rules, eligibility, and submission requirements directly from the active writing carrier or MGA platform you are using (Lighthouse or any other successor / fronting carrier, or the markets accessed by Prepared Insurance Agency). - Do not rely on third‑party marketing sites, reviews, or past filings as evidence of current acceptability, target risks, or restricted/declined classes. Operationally: before quoting or binding anything under the Prepared name, confirm (1) which licensed insurer is actually on the paper today, and (2) request that entity’s current homeowners underwriting guide, catastrophe and geographic restrictions, inspection/age-of-home requirements, claim-history rules, and any producer workflow requirements (inspection photos, external reports, binding authority limits, etc.).