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
SIU is a managing general agency serving independent agents, with personal property/home products distributed through its online rating platform and underwriter teams. Current published home appetite shows broad homeowners capability including HO-3, HO-4, HO-5, HO-6, HO-8, high-value homeowners, coastal property with wind, dwelling fire, vacant/renovation/builders risk, short-term/vacation rental dwellings, mobile homes, and related personal-property coverages. For core HO-3, SIU states online rating and binding are available in all states, with protection classes 1-10, seasonal and secondary dwellings eligible, coastal capacity available, and HO-8 form availability noted. If a risk exceeds customary system requirements, the submission is automatically routed to an SIU underwriter for review. Published high-value homeowners guidance targets dwellings from $300,000 up to $3,000,000 Coverage A, offers HO-3 and HO-5 forms, accepts primary, secondary, rental, and seasonal occupancies, and specifically includes builder’s risk and spec homes. High-value states listed are Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia, with instructions to call for other states. SIU also highlights stand-alone earthquake and excess flood packages, plus optional/limited coverages such as water backup, golf cart, identity fraud, and ordinance or law. Geographic notes: SIU broadly markets to independent agents throughout the Southeast, but its HO-3 page says online rating/binding is available in all states; high-value homeowners has a defined Southeast-focused state list plus call-for-other-states language. Coastal business is affirmatively referenced for both general personal property and HO-3/high-value programs, indicating coastal/wind capacity is a preferred specialty rather than a restriction. Submission and broker workflow notes are strong: agents can quote, bind, pay, and sign online; application and quote documents are available instantly/in real time; evidence of insurance is available on completion; PDF documents can be printed/emailed immediately; insured remote e-sign is supported; and payment options include mortgagee bill, SIU direct bill, SIUPREM premium finance, pay-in-full, and online payment by credit card, debit card, or ACH. Broker/producer instructions: use SIU’s online rater by entering quote information once for multi-carrier eligibility/pricing review; risks outside standard parameters should still be submitted because they are referred to underwriters automatically. For support, SIU publishes dedicated Personal Property new business and renewal underwriter contacts plus a general personal-property department line. No formal declined-class list was found on official home-product pages reviewed; restrictions appear to be handled through system eligibility rules and underwriter referral rather than a published hard-decline matrix.