Swyfft, LLC
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
Verified current official producer guidance shows Swyfft actively publishing home underwriting materials through its Agent Resource Center, with home availability shown in admitted and E&S formats depending on state. For current home underwriting/appetite, the most specific verified underwriting guide found is the QBE E&S Homeowners Quick Reference Guide dated 3/18/2026, available in FL, TX, NC, SC, and NJ. Preferred fit appears to be standard owner-occupied to small non-owner/seasonal rental-type dwellings that meet condition and systems standards, with signed applications required and property inspections built into the process. Exterior inspections are performed on every insured property; interior inspections are required for risks 10+ years old and/or Coverage A of $750K or greater, with insured contact expected within 24-48 hours to schedule. Restricted/declined or ineligible classes include applicants with arson/fraud convictions, bankruptcy/foreclosure/repossession history, risks in foreclosure, lapse over 60 days, prior UW cancellation/nonrenewal (except exposure management/non-pay), prior liability or fire loss, any open claims, any liability claim, and water/theft/mysterious disappearance claims over $10K. Occupancy/property classes declined include more than 3-family dwellings, student rentals, daycare or assisted living exposures unless liability is excluded, commercial exposure, risks for sale over a 12-month period, farms/ranches or over 10 acres, barrier-island risks, homes in trust or LLC ownership, modular homes, mobile homes, COC/structural renovation risks, and high-profile occupations. Construction/system declines include asbestos or Chinese drywall, lead paint, EIFS, homes built 1979 or earlier, wood construction within 20 miles of the coast in FL, roofs over age thresholds (metal/clay/concrete tile over 40 years; others over 25 years), poor roof condition or unrepaired damage, spray-foam-treated roofs, wood shake roofs, solar roofs/Tesla roofs or Tesla batteries/parts, over-25%-solar-panel roofs, under-100-amp service, Federal Pacific/Stab-Lok, Zinsco, Challenger, or 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. Producer notes include a 3% credit-card fee on new business and renewals except monthly pay, 25% minimum earned premium increasing to 50% if in force during wind season, and use of Swyfft underwriting/customer support contacts for referrals. Additional official Swyfft high-value home guidance dated 2/13/2026 indicates Swyfft also targets higher-value homes through a Lloyd’s/Hiscox-backed program with occupancy options including primary, secondary, seasonal, tenanted, vacant, short-term rental, and course-of-construction; notable submission/underwriting requirements there include COC questionnaire, short-term rental questionnaire, vacancy reason/length details, contractor CGL requirements for COC, and special coastal enclosure rules within 10 miles of the coast where wind coverage applies.