ShoreOne 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
ShoreOne currently publishes a coastal-focused admitted homeowners offering that combines homeowners and full flood protection in a single policy, marketed through independent agents. The website emphasizes preferred business as coastal owner-occupied residential homes needing integrated home + flood coverage, with quick quoting, one policy/one deductible/one adjuster handling, and no elevation certificate required because ShoreOne uses proprietary risk modeling. Public product pages currently show active state/product presence for Massachusetts, New Jersey, New York, Rhode Island, and South Carolina. The New York product page states the base policy is built on the ISO homeowners form with dwelling, personal property, liability, medical payments, and customizable coverage enhancements, with flood as a key differentiator. Publicly available official pages do not provide a detailed posted appetite guide or explicit class-by-class declination list, so restricted/declined classes are not specifically verifiable from the carrier site; however, the positioning is clearly residential coastal property rather than broad non-coastal or commercial business. Geographic notes: ShoreOne is focused on coastal properties and presents state-specific product pages for MA, NJ, NY, RI, and SC; business launch history on the official press page shows rollout beginning in South Carolina, later expanding to New Jersey, Massachusetts, and Rhode Island. Submission requirements/instructions: retail business is directed through a Find an Agent process, and consumers are told to work with a ShoreOne preferred/local agent for quotes. For agency appointments, ShoreOne requires a prospective partner agency submission with agency profile details, licensing footprint, ownership/officer information, homeowners and residential flood premium volume, current carrier/MGA appointments, company reports for the top three homeowners markets, and reports for the last two years of the top three current carriers; the page states applications will not be reviewed without the required reports. Notable producer/broker notes: ShoreOne distributes through independent agents experienced in coastal properties, provides agent login access through PolicyPort, and routes appointment interest through the prospective partner agency information page. Overall, the currently published guidance supports targeting technically competent coastal personal-lines agencies and residential coastal homeowners seeking broader-than-NFIP flood protection in a single policy, but there is no verified public underwriting manual or detailed decline list on the official site.