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
Verified current official site indicates TypTap writes Homeowners in CT, FL, GA, MA, MT, NC, NJ, NM, NV, RI, SC, SD, and UT, and positions the product as easy to quote and quick to bind through agents. The verified underwriting guide located is a South Carolina HO-3 Quick Reference Guide. Based on that guide, preferred business is owner-occupied or seasonal single-family residential dwellings with Coverage A from $150,000 to $1,200,000, with risks over $750,000 requiring underwriting approval. Seasonal occupancy is allowed with surcharge. Homes should be well maintained, not in disrepair, and free of existing damage. Claims must be disclosed at quote; any losses within 36 months of the effective date are ineligible, and all claims are subject to underwriting review. Roof parameters are restrictive: asphalt/fiberglass/composition/wood shake roofs must be 20 years old or newer; tile, slate, concrete, or metal roofs must be 40 years old or newer; T-lock and asbestos shingles are ineligible; flat roof area cannot exceed 10% of living area. For older homes, build years shown are 1900-2016, but homes built before 1960 require Functional Replacement Cost, and wiring, heating, and plumbing must have been updated within the last 35 years with documented proof; electrical updates must be completed or approved by a licensed electrician. Additional geographic and property restrictions in the SC guide include no homes more than five miles from a responding fire department, no barrier islands not connected to the mainland by road, no farm/ranch exposure on properties over five acres, and proof of flood coverage is required for homes in flood zones A or V. Declined or restricted classes include vacant or rented properties, mobile/manufactured homes, EIFS, asbestos, or log homes, business or commercial exposure, deeded ownership to business entities or various trusts/estates/land/charitable/IRA/FBO/family/realty trusts, college housing, diving boards/slides/trampolines, and dogs with bite history, aggressive behavior, or dangerous breeds per county/state rules. Submission and servicing notes: proof of prior coverage is required; no prior coverage or lapse over 30 days is ineligible; wind mitigation documentation may be requested; TypTap reserves the right to inspect any home; trailing documents may be requested. The agent page confirms business is placed through agents, provides an agent login, and says agencies seeking appointment should submit information for review via the appointment form. Current public site does not expose a broader multi-state appetite guide, so the verified underwriting detail is state-specific rather than enterprise-wide.