SafePoint 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
Verified current public producer-facing guidance is limited and largely product/appointment oriented rather than a formal personal-lines appetite guide. SafePoint publicly markets personal Home and Flood and shows personal product availability by state. Preferred personal business appears to be standard residential property risks fitting its filed products: owner-occupied HO3, condo unit owners HO6, tenant HO4, and dwelling fire/landlord-type risks, plus personal flood. Flood marketing guidance emphasizes using flood for residential accounts, especially higher-value homes that may exceed NFIP limits and insureds needing excess flood protection; retention outreach is encouraged for homes not required to carry flood insurance. Publicly listed admitted availability: HO3 in Mississippi and Texas; HO6 in Mississippi and Texas; HO4 in Florida; Dwelling Fire in Mississippi and Texas; Personal Flood in Alabama, Florida, Louisiana, Mississippi, and Texas. SafePoint also lists E&S-only personal expansion in California and in North Carolina/South Carolina, with several other states marked 'Soon' on product pages. Restricted/declined detail is not meaningfully published on the current public personal pages; however, HO4/HO6 pages state flood, earthquake, and routine wear and tear are not covered, and the flood page states flood does not cover earth movement, sewer backup unless caused by flooding, vehicles, swimming pools, or additional living expense. A notable specific underwriting requirement published on the site is for optional sinkhole coverage on Advantage HO-3 and HO-6: all new and renewal policies requesting the endorsement are subject to inspection, SafePoint review/approval is required, and the inspection does not guarantee coverage. Geographic notes: appointment and distribution footprint shown on the official site includes AL, FL, LA, MS, NC, SC, TN, and TX, while product pages show the currently advertised state availability by line noted above. Submission/producer notes: agents can apply for appointment through the Become an Agent page by emailing the designated territory contact with agency name, phone, physical address, county/parish, contact person, and email. Personal lines contact center hours are 8am-6pm ET Mon-Fri; phone 877-858-7445, with a separate Louisiana customer number 855-243-9740. Flood-specific underwriting/service contacts are publicly listed as 1-833-853-9311 and spi.underwriting@solstice.tech / spi.agencyservices@solstice.tech. Public forms are behind agent login, and the older Mississippi PDF supplied appears to remain accessible but is dated July 2020, so it should not be treated as verified current appetite unless reconfirmed internally.