Standard Casualty Company
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
Standard Casualty Company’s published producer-facing guidance remains centered on manufactured/mobile/factory-built home insurance, with Texas called out as its core agent market. The carrier presents itself as a specialist for manufactured, mobile, modular, and factory-built homes, and states it can write full-time residence, rental, and vacation occupancies; in-park and out-of-park homes; single-, double-, and triple-wide units; homes on owned or leased land; and most manufacturers’ makes/models. Published coverage notes include physical damage limits from $10,000 to $300,000, optional personal liability up to $300,000, and product features highlighted for flood, earthquake, water damage from bursting pipes, hail, windstorm, theft, fire, vandalism, damage to tie-down anchoring systems, explosion, lightning, falling objects, and glass breakage. The site also notes optional or available coverage concepts for personal effects, adjacent structures, collectibles, coins, and firearms. Geographic notes: the website states coverage is available in AL, AR, AZ, CO, DE, FL, GA, KS, KY, LA, MS, NV, NM, NC, OH, OK, OR, SC, TN, TX, VA, and WV, but repeatedly emphasizes Texas for agent relationships; in Texas, Standard Casualty Company states it re-insures mobile home owner’s policies written through Standard Insurance Agency, Inc., and another official page states Texas business is written through Southern County Mutual by managing general agent Standard Insurance Agency, Inc. Submission/producer guidance is limited but verified: producers can use the Insurance Professionals/Agent Information pages, call 800-522-0146 to request partnership information, and complete the online agency appointment form. The appointment workflow requires agency/producer onboarding documents including TDI license upload, individual/corporate licensing, E&O declarations or binder, voided checks for sweep and commission accounts, signed W-9, and other supporting documents such as an agency profile. Notable producer notes: the carrier markets no credit checks, multiple payment options, low deductibles, personalized service, and specialty expertise in manufactured housing. No formal public appetite guide, class-by-class eligibility grid, or explicit public declined-risk list was verified on the official site; restrictions that are publicly stated include that described homeowners coverages apply when the mobile home is used as a residence and do not apply to rental or commercial use on at least one coverage page, while other pages indicate rental coverage may be available, so agents should confirm occupancy-specific eligibility directly with the carrier before submission.