Southern Insurance Underwriters
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
Southern Insurance Underwriters (SIU) operates as an MGA with a broad personal property/homeowners platform written through multiple carriers and accessed via SIU underwriters and online portals. Home products include standard HO-3, high-value homeowners, rentals and secondary/seasonal homes, condos, dwelling fire (DP1/DP3), mobile homes, vacant/renovation/builders risk, renters (HO-4), and personal umbrella. Preferred/target home risks (per HO-3 appetite highlights and general positioning): - Well-maintained, owner-occupied primary dwellings with updates in key systems (roof, electrical, plumbing, HVAC) and no significant prior loss history. - Newer construction or substantially updated homes; credits and preferred pricing often available for new homes and homes with central station or monitored alarms, reflecting emphasis on new home and alarm credits. - Standard to high-value dwellings, including higher dwelling limits and schedules of multiple properties, written on admitted paper where available via online rating portals. - Additional preferred segments include rentals, condos, seasonal/secondary homes, and accounts where multiple personal lines (e.g., home plus umbrella, or home plus rental schedule) can be placed with SIU markets. Restricted or more carefully underwritten classes (inferred from excess & surplus/MGA positioning and specialty focus): - Older homes without recent updates, dwellings with prior losses (especially fire, water, liability, or multiple small losses) and risks with underwriting red flags are generally still marketable but likely require underwriter review, supporting documentation, and may be placed on non-admitted programs. - Mobile homes, vacant properties, renovation and builders risk, and coastal/wind-exposed homes are available but typically written on specialty/E&S or CAT wind programs with tighter underwriting, higher deductibles, or specific coverage restrictions depending on carrier and territory. - High-risk features (pools without proper fencing, certain dog breeds, trampolines, solid fuel heating, knob-and-tube wiring, outdated roofs, or unmitigated wildfire/wind exposures) are not explicitly listed but can be expected to trigger surcharges, exclusions, or declination per carrier-specific guidelines accessed through SIU. Geographic notes: - SIU is based in Alpharetta, GA and markets itself as a managing general agency serving independent agents throughout the Southeast. Home and personal property products are highlighted for southeastern states, with a dedicated online personal property option (Tower Hill Specialty) for AL, GA, MS, SC, NC, TN, and TX, offering admitted personal property coverage via quote-to-issue online without routine underwriter pre-review. - CAT wind and coastal exposures are supported via SIU’s CAT Wind and specialty programs; appetite, deductibles, and eligibility vary by state and carrier and are typically managed through SIU’s line-of-business search tools or direct underwriter consultation. Submission and workflow requirements: - Agents must be appointed with SIU; appointment is handled through the SIU marketing/partner portal. Once appointed, producers gain access to online rating and submission systems for personal property and other lines. - For the Tower Hill Specialty online personal property platform (admitted home/rental/other personal property in AL, GA, MS, SC, NC, TN, TX), each licensed producer must complete a user-registration form to obtain credentials; once set up, agents can quote-to-issue online with direct bill options and generally without prior underwriter review when risks fit standard appetite. - For other homeowners and dwelling programs placed through SIU, typical MGA workflow applies: complete ACORD and any carrier-specific supplements, provide prior carrier information and loss runs or claim history details, and submit through SIU’s online rating/submit-business tools or via contact with a personal property underwriter as directed on the personal lines page. Broker/producer instructions and operational notes: - SIU emphasizes strong producer relationships and directs producers to contact marketing or personal lines underwriters for help matching risks to appropriate markets, particularly for non-standard or CAT-exposed homes. - Producers are encouraged to leverage the SIU online rating system and the SUN (Standard Underwriters Network) line-of-business search tool to identify appropriate programs and quickly determine if a homeowner or dwelling risk is in appetite before full submission. - Because SIU is an MGA with access to over 120 A-rated carriers, specific eligibility, surcharges and exclusions (e.g., breed restrictions, prior loss thresholds, age-of-roof rules) are carrier- and state-specific; agents should always confirm final terms against carrier-issued quotes and policy forms accessed through SIU’s systems or directly from the assigned underwriter.