Swyfft, LLC
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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
Verified current official underwriting guidance located for Swyfft’s Home line is the Swyfft/QBE E&S Homeowners Quick Reference Guide dated 1/23/2026. Program availability shown on the guide is FL and TX. Target business appears to be E&S homeowners with Coverage A from $350,000 to $3,000,000; replacement cost coverage is standard on Swyfft homeowners policies, with optional/additional coverages including 25% additional replacement cost, identity fraud, limited fungi/property up to $25,000, mechanical breakdown $25,000, ordinance or law 10%, water backup $5,000/$10,000, and in Florida a water-damage sublimit of $25,000 unless the insured has a full automatic water shut-off system and provides evidence. Preferred indicators include claims-free for 3 years, protected/alarmed homes, smart water monitoring, secured communities, and wind-mitigation documentation where rating is changed from default. Key eligibility/construction rules: minimum year built 1980; roof age limits generally asphalt under 10 years actual cash/value threshold then 10-25 RMPS, hurricane shingles under 15 / 15-25, metal under 25 / 25-40, clay or concrete tile under 25 / 25-40, built-up/rolled/flat under 15 / 15-25; solar panels are allowed but coverage is limited to $5,000. Restricted or declined risks include wood construction within 20 miles of the coast; more than 3-family dwellings; student rentals; mobile homes; homes more than 2/3 frame; farms/ranches or over 10 acres; commercial exposure; barrier islands; risks for sale over 12 months; asbestos, Chinese drywall, lead paint, EIFS, active structural work/renovation; poor roof condition, unrepaired roof damage, spray-foam-treated roofs, thatched/green/nonstandard roofs, over 25% roof solar coverage, Tesla solar roofs/batteries/parts, wood shake roofs, older roofs above stated age limits; less than 100-amp service, FPE/Stab-Lok/Zinsco/Challenger/B&C Kearney panels, cloth/aluminum/knob-and-tube wiring, fuses, cast iron/galvanized/lead/polybutylene plumbing except wastewater-only situations, and wood stoves as primary heat. Occupancy/account restrictions include arson/fraud convictions, bankruptcy/foreclosure/repossession history, foreclosure proceedings, high-profile occupations, more than 2 mortgagees, homes in trust or LLC, lapse over 60 days, prior UW cancellation/nonrenewal, prior liability or fire loss at any location, and pools not up to code unless liability is excluded. Loss history restrictions: any open claim, any liability claim, and water/theft/mysterious disappearance claims over $10,000 are ineligible. Submission/binding notes: signed applications are required; exterior inspections are performed on every property, insured not required to be home; interior inspections are required for risks 10 years and older and/or Coverage A of $750,000 or more, with the insured contacted within 24-48 hours to schedule. Broker/producer notes: underwriting approval is required before binding flagged exceptions; pay plans are full-pay or monthly; payment methods include EFT, debit, and major credit cards; 3% credit-card fee applies to new business and renewals except monthly plans; minimum earned premium is 25%, increasing to 50% if the policy is in force at any time during wind season. Swyfft’s public producer-facing company page also confirms homeowners as its core line and notes additional offerings including flood, equipment breakdown, and certain commercial package products.