Statewide Underwriting Services
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
Officially published personal-lines guidance emphasizes New York State property business written through appointed agents. For Homeowners, SWUS targets owner-occupied 1- to 2-family dwellings, including newer homes, log homes, modular homes, and older homes where major systems have been updated within the last 25 years; published Coverage A range is $150,000 to $1.2 million, including PC-9 risks when updated. Seasonal and secondary homes are eligible, with ML-3 available subject to underwriting requirements including winterization and a low-temperature alarm. Related personal property appetite includes manufactured homes (1- to 2-family owner-occupied), renters, landlord package risks for 1- to 4-family non-owner-occupied annual rentals, and dwelling fire for vacant homes, homes for sale, builders risk, renovation, and dwellings that do not fit the homeowners program. Practical restrictions/limitations shown on the site include: older homes without qualifying major-system updates are outside the stated guideline; vacant dwellings, builders risk, and renovation business are routed to dwelling fire/builders risk rather than homeowners; dwelling fire appetite is published for vacant homes under $500,000 Coverage A and typically on a basic form; business liability is available only for limited classes; and landlord package is limited to 1- to 4-family risks. Geographic notes indicate SWUS serves the New York State footprint through its agent network. Producer/broker submission guidance states all personal-lines new business must be submitted through the company’s Evolve policy administration system based on company eligibility criteria; the agent-login area lists personal applications for dwelling fire, builders risk/renovation, inland marine, wood-burning stove, and habitational. Broker/producer operating notes published by SWUS stress complete submissions for faster turnaround: provide a fully completed application, 5-year valued loss runs, details and corrective actions for any prior losses, expiring premium, reason for submission, target premium, and—when applicable—recent sprinkler flow test results and square footage by exposure. If unsure whether a risk fits, SWUS specifically encourages agents to call an underwriter to discuss or pre-qualify the account.