Stonegate Insurance 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
No public, product‑specific homeowners underwriting or appetite guide is published by Stonegate Insurance Company or its parent/affiliated entities as of March 24, 2026. Available information is high‑level and oriented to carrier/partner marketing and surplus‑lines capabilities rather than detailed risk selection rules. Based on verified sources: - Stonegate Insurance Company is a U.S. P&C insurer domiciled in Illinois and part of Producers National Group. It writes multiple lines, including personal auto, commercial auto, manufactured home, and personal and commercial property, via MGAs, wholesalers, and independent agents. It also participates in an expanded E&S / surplus‑lines platform that includes property and other specialty sectors. This signals a willingness to consider non‑standard and harder‑to‑place risks through program and MGA partners rather than strictly admitted, preferred business. - Public marketplace and regulator summaries list Stonegate as being distributed primarily through managing general agents for private‑passenger auto and other lines; no similar public listing is found that isolates homeowners, and no Stonegate-branded homeowners appetite matrices or manuals are posted. Because no official homeowners underwriting manual or appetite bulletin is available, the following operational guidance should be treated as general positioning only, not as binding rules: Preferred / target business (inferred from carrier positioning and group strategy) - Business placed through approved MGAs, wholesalers, or strategic program partners where Stonegate (or Producers National Group) has filed and supports a specific product program. - Non‑standard or otherwise underserved risks where traditional standard carriers have limited appetite, often written on surplus‑lines or specialty forms via Stonegate’s broader E&S platform. This may include certain property segments, but homeowners details are not disclosed. - Accounts where partners can provide program‑level underwriting discipline, data, and technology support; the carrier emphasizes creative, program‑driven solutions rather than one‑off individual risks. Restricted or declined classes - No formal public list of declined or restricted homeowners classes (protection class, vacancy, prior losses, roofing/age, wildfire, coastal, etc.) is published. - Given Stonegate’s focus on MGAs and program business, retail agents should assume that eligibility, surcharges, and exclusions are program‑specific and controlled by each MGA’s guidelines rather than a single universal Stonegate rule set. Geographic notes - Domiciled in Illinois; various public summaries show Stonegate writing auto and other lines in multiple states, frequently via managing general agents. Some references indicate historical concentration in Illinois and Arizona, and participation in state P&C marketplaces (e.g., private passenger auto) through MGAs. - No official, current public map of homeowners states of operation or coastal/brush/wind/hail appetite exists. Any homeowners or dwelling product availability must be confirmed at the program/MGA or rate/quote level. Submission requirements - Stonegate distributes almost exclusively through appointed MGAs, wholesalers, and selected independent-agent partners. New business is typically submitted via those intermediaries’ portals or platforms, not directly to Stonegate. - There is no central public producer guide describing required homeowners submission components (photos, inspections, prior carrier history, minimum Coverage A limits, etc.). Requirements should be obtained from the specific MGA or program administrator using Stonegate paper. Broker/producer notes - Stonegate and its parent emphasize “growth through partnerships” and seek strategic program and MGA relationships. Prospective partners are expected to work on program design, data analytics, and underwriting results rather than ad‑hoc placements. - For retail agents, access to any Stonegate homeowners or dwelling product will almost certainly be via an MGA or program administrator. Agents should: • Confirm which MGA controls the Stonegate homeowners program in their state, if any. • Rely on that MGA’s underwriting guide and rating tools for binding authority and documentation standards. • Treat Stonegate as the paper/insurer behind the program, not as a front‑line underwriting contact. Given the absence of a public, official homeowners underwriting guide, internal underwriting teams and producers should not rely on this summary as a substitute for program‑specific manuals. All concrete eligibility, pricing, and documentation rules must be confirmed with the applicable MGA, program administrator, or Stonegate/Producers National program management before binding coverage.