Prudential
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 Prudential-branded distribution page is Plymouth Rock’s homeowners page for Prudential Financial Professionals. Home is offered through Prudential only in CT, NJ, NY, and PA. The verified underwriting guide available on the official Plymouth Rock content domain is a short @Home Program Overview / Home Underwriting Guidelines PDF used for appointed agents. Published appetite is standard personal lines homeowners with Coverage A from $50,000 to $2,000,000, replacement cost contents at 70% of Coverage A, and guaranteed replacement cost dwelling shown as available. Optional/ancillary features listed include home systems protection, utility service line, home sharing, identity theft/monitoring, scheduled property, water back-up, sinkhole coverage, special personal property, and personal injury liability. Preferred business is owner-occupied, well-maintained standard dwellings in acceptable protection classes, with responsible household risks and incidental exposures only. Restricted or declined risks specifically listed include 5 or more units in one building; properties more than 5 miles from a fire station / PPC 10; dwellings built before 1870; vacant or under-construction homes; farm buildings, mobile homes, or unique construction; unrepaired damage, poor maintenance, or poor roofs; exterior oil tanks; in-ground pools without fences; trampolines without nets; open wells; dangerous, biting, or vicious pets/dogs; boarding or breeding of animals; non-domestic or exotic/farm animals; farming, livestock, or grain operations on site; non-incidental retail/wholesale business on site; storage of supplies/products for sale; foot traffic business exposure; and fracking or other extraction operations. Geographic notes: Prudential/Plymouth Rock home availability is stated for CT, NJ, NY, and PA only, though the Prudential home page’s insurer disclosures specifically reference NJ, NY, and PA underwriting entities. Submission/broker notes: business is placed through Prudential Financial Professionals / appointed agents; the PDF expressly states it is for Plymouth Rock employees and appointed agents for reference and training; insureds are directed to work with a Prudential Financial Professional for quotes, coverage selection, valuables scheduling, and flood discussions; bundled home/auto discounts may apply; availability of discounts, coverages, and features varies by state/company.