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 public guidance is limited and consumer-facing rather than a full public underwriting appetite guide. SafePoint identifies itself as an admitted and E&S property and casualty insurer focused on coastal regions of the United States and distributes through independent agents. Publicly listed personal lines include Homeowners HO3 (owner-occupied), HO4 renters, HO6 condo, Dwelling Fire, and Personal Flood. For Personal Flood, SafePoint publicly states availability in Alabama, Florida, Louisiana, Mississippi, and Texas. The flood page describes covered property categories and specifically notes common exclusions or non-covered items such as earth movement, sewer backup not caused by flooding, vehicles, swimming pools, and additional living expense; it also notes a typical 30-day waiting period before coverage begins, with limited exceptions such as certain home closings. Geographic note: flood availability is explicitly shown only for AL, FL, LA, MS, and TX on the verified public page. Producer/broker notes: SafePoint works through independent agents, has agent login resources for personal, commercial, and flood policy management, and maintains a ‘Become an Agent’ page for agency appointment inquiries. Public agent resources and downloadable forms are behind login, so detailed broker submission requirements, class restrictions, valuation rules, inspection expectations, or decline lists could not be fully verified from open-access pages. Operationally, the clearest verified appetite is coastal-oriented personal property business written via agents, with public emphasis on homeowners and stand-alone/companion personal flood opportunities in the listed Gulf/Southeast states.