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
Statewide Underwriting Services (SWUS) publishes personal-lines eligibility/guideline information primarily on its Personal Insurance page, with additional producer submission instructions on its Agent Access page. For home risks, preferred business includes owner-occupied 1- to 2-family dwellings, including newer homes, modular homes, log homes, and older homes where major systems have been updated within the last 25 years. Published homeowners target Coverage A is $150,000 to $1.2 million, and the page specifically notes eligibility can include Protection Class 9 when older homes have qualifying updates. SWUS also writes seasonal and secondary homes, including situations without the primary home, subject to underwriting requirements; ML-3 is noted as available when winterization and a low-temperature alarm requirements are met. Related residential property appetite includes 1- to 4-family landlord package business for non-owner-occupied annual rentals, including condos/co-ops rented annually to the same tenant, and such risks may be written in individual, corporate, LLC, or trust ownership. The dwelling fire program is positioned for 1- to 4-family vacant dwellings, homes for sale, builders risk, dwellings under renovation, and homes that do not fit the homeowners program; vacant homes are specifically referenced up to $500,000 Coverage A and typically on a basic form. Manufactured home and renters offerings are also published, but those are adjacent rather than core home-owner occupancy business. Practical restrictions/filters implied by the published material are: homeowners are limited to owner-occupied 1- to 2-family dwellings; landlord package is for annual rentals and 1- to 4-family habitational only; dwelling fire is the placement for vacant, renovation, builders risk, or otherwise ineligible homeowners risks; older homes need major systems updates within 25 years; and seasonal/secondary business has specific underwriting conditions for certain forms. Geographic scope appears to be New York State only: SWUS states it serves agents and clients across the entire geographic footprint of New York State, and its public-facing site repeatedly references New York operations. Producer/broker submission guidance is available: all personal lines new business must be submitted through the company’s Evolve system, where authorized agents may bind business only if the risk meets company eligibility criteria; the personal application menu references Dwelling Fire, Builders Risk/Renovation, Inland Marine, Wood Burning Stove, and Habitational applications. Broker onboarding notes are limited but SWUS invites agencies to become appointed agents, identifies the affiliated carriers it represents, and notes marketing-team discussions around appetite and marketing opportunities. No standalone detailed broker appetite guide or formal declination list was found beyond these published eligibility descriptions and submission instructions.