TypTap 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
TypTap Insurance Company is a technology-driven homeowners carrier, historically focused on coastal and catastrophe-exposed personal residential risks, with underwriting supported by extensive property-level analytics. The current available appetite detail is from a South Carolina HO3 Quick Reference Guide, which is directionally useful for broader homeowners placement but may not fully reflect state-specific rules. Preferred / target risks: - One- to two-family owner-occupied dwellings used as the primary residence of the named insured, in good condition, with no existing damage. - Site-built homes with year of construction between 1900 and 2016; functional replacement cost valuation is mandatory on homes built prior to 1960. - Properties where electrical, plumbing, and heating systems in homes over 50 years old have been updated within the past 35 years, with documented proof and, for wiring, work completed or approved by a licensed electrician. - Dwellings owned by an individual and used as primary residence; dwellings owned by a living, revocable, or irrevocable trust can be acceptable where the trustee/grantor occupies the home as a primary residence and is added as an additional insured. - Properties within five road miles of a responding fire department and normally protected (not isolated barrier-island, not large-acreage farm/ranch exposures). Restricted / ineligible risks (declinations): - Condition: Homes in disrepair, condemned properties, or those with existing unrepaired damage. - Construction: EIFS exteriors, asbestos or log homes. - Roof: Shingle roofs older than 20 years; metal or tile roofs older than 40 years; T-lock or asbestos shingles; homes with flat roof area greater than 10% of living space. - Occupancy/location: Vacant dwellings; tenant-occupied/rental properties; homes located on more than five acres with farm/ranch exposure; homes on barrier islands that are not connected to the mainland by a road; homes more than five miles from a responding fire department. - Ownership/exposure: Properties deeded to a business entity (LLC, corporation), estate, land trust, charitable trust, IRA, FBO, family or realty trusts where the occupant is not structured as per preferred trust guidance; any risks with business or commercial exposure at the residence, including home-based businesses with material public traffic; mobile or manufactured homes. - Liability/exposure: Dogs with bite history, aggressive behavior, or breeds deemed dangerous by applicable county or state law; pools with diving boards or slides; trampolines; college housing. - Insurance history: No prior homeowners coverage or lapse in coverage greater than 30 days. Geographic notes: - The HO3 Quick Reference Guide reviewed is branded for South Carolina and references TypTap’s Florida domicile and cat-exposed orientation, but it is not itself a 50‑state manual. State-specific underwriting bulletins, consent orders, and OIR directives (e.g., in Florida) may further restrict new business, renewal appetite, or coastal aggregation and must be checked in the company portal or via state filings. - Homes on barrier islands without road access and risks with significant rural or farm/ranch characteristics are outside appetite. Submission and underwriting expectations (agent/producer use): - All submissions are subject to underwriting review; TypTap explicitly reserves the right to inspect any home. - For older dwellings (generally over 50 years), agents should be prepared to provide documentation of updates to electrical, plumbing, and heating, with evidence that wiring work has been performed or signed off by a licensed electrician. - Functional replacement cost must be used as the valuation basis on pre‑1960 homes; expect to validate coverage A limits using the carrier’s replacement cost tools. - Trust-owned properties can be written only when occupancy and named insured structure follow TypTap’s requirement (trust as named insured with occupying trustee/grantor added as additional insured); otherwise, properties deeded to entities or non-occupant interests are ineligible. Broker/producer notes: - The HO3 guide is designated as a Quick Reference Guide, and TypTap reserves the right to amend underwriting guidelines and to underwrite or decline individual risks at its discretion; agents should always confirm current appetite, moratoriums, or state-specific restrictions in the TypTap agent portal before binding. - Given TypTap’s cat-exposed portfolio, expect increased scrutiny on roof age and condition, distance to coast, distance to fire protection, and any unusual liability exposures (pools, animals, trampolines, business use). - Agents should avoid submitting risks that clearly fall into the ineligible categories above, particularly: older or disallowed roof types, vacant or tenant‑occupied dwellings, large-acreage or farm/ranch exposures, business-entity ownership, and homes with significant maintenance or condition issues. These points summarize the currently available carrier-authored HO3 underwriting guide; always defer to the latest TypTap system rules, state filings, or bulletins for binding authority and exceptions.