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 markets a coastal-oriented homeowners product in New York built on an ISO homeowners base form with integrated flood coverage, plus liability and medical payments. Published positioning emphasizes preferred business as coastal homeowners seeking a single policy for home, wind, and flood rather than separate homeowners and NFIP/private flood placements. The site also highlights customizable coverage enhancements, full-cost home replacement positioning, temporary housing/loss-of-use after covered storm damage, and quoting without an elevation certificate using ShoreOne’s proprietary risk technology. Geographic notes: ShoreOne’s public product pages show availability by state and New York is a verified active state page; the company also lists Massachusetts, New Jersey, Rhode Island, and South Carolina product pages. No detailed public appetite guide, ineligible properties list, protection-class limits, age/value restrictions, occupancy restrictions, or explicit declined classes were found on the official site, so those items are not publicly verified from carrier materials reviewed. Submission/distribution: business appears to be written through agents rather than direct online bind/quote for consumers; insureds are instructed to find an agent, and agents have a separate login portal. Broker/producer appointment guidance is publicly available: prospective agencies must fully complete the partner agency form, provide agency ownership/officer information, identify additional state licenses and locations, report total homeowners premium split between admitted and E&S, report residential flood premium split between NFIP and private, list current homeowners carrier/MGA and private residential flood appointments, and upload company reports for the last reporting period of the top three homeowners markets plus reports for the last 2 years of the top 3 current carriers; ShoreOne states an application will not be reviewed without those reports. Operationally, this reads as a targeted coastal home/flood specialist with agency-focused distribution and a preference for established homeowners/flood producers, but detailed underwriting restrictions are not publicly posted on the verified official pages reviewed.