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
Verified official personal property/appetite page indicates SIU writes admitted and E&S personal lines with Homeowner products including HO3, HO4, HO5, HO6, HO8 and High Value. For Home/HO3 specifically, SIU highlights preferred availability for Protection Class 1-10, seasonal and secondary dwellings, and coastal capacity. Related personal property appetite also shows support for dwelling fire, vacant dwellings, manufactured homes, flood, marine and inland marine, suggesting a broader personal property placement approach for harder-to-place or specialty home risks. Geographic focus appears to be the Southeast, with SIU represented primarily in Alabama, Florida, Georgia, Mississippi, South Carolina and Tennessee, and offices in Georgia and Florida. No state-by-state HO3 map or binding territory restrictions were found on the public page, but coastal capacity is expressly advertised for HO3 and several related property segments. Publicly posted restrictions/edge-case classes are limited; instead of formal decline lists, SIU markets specialty acceptance such as seasonal/secondary homes, HO8 availability, Airbnb/VRBO on dwelling fire, vacant properties on 3/6/12 month terms, renovation/builders risk, and manufactured homes with up to $300,000 replacement cost, $5,000 minimum replacement cost, 90-day lapse consideration, hobby form endorsement, and Gulf Coast coverage. Submission/producer workflow notes: SIU offers online rating for HO3, dwelling fire, and mobile home via its producer login/rater platform; e-Policy is available for agents to receive new/renewal policies and endorsements by email PDF via registration through marketing@siuins.com. For producers, SIU emphasizes appointment-based distribution through independent agents, access to over 120 A-rated carriers, online rating, and experienced underwriters. Agencies seeking appointment are directed to complete the online application; questions go to Marketing at 678.498.4619 or marketing@siuins.com. Personal Property contact guidance is operationally detailed, with dedicated new business and renewal underwriters listed by team and a main Personal Lines phone of 678-498-4540 / 800-884-1703. No public underwriting manual, formal eligibility checklist, inspection requirements, valuation documentation rules, or explicit declined classes for HO3 were found on the verified public pages, so broker use should treat the page as a market/appetite overview and confirm account-specific restrictions with the assigned SIU personal lines underwriter before quoting or binding.