Unigard
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 parent/carrier website is QBE. I did not find a current, official Unigard-specific home underwriting or appetite guide on qbe.com, nor a verified producer-facing appetite page specific to Unigard Home. The clearest official producer resource currently published is QBE’s agent page, which directs agents to log in/manage policies and contact QBE for assistance. Official consumer-facing home materials on qbe.com confirm QBE writes homeowners business and distributes through independent agents, but they do not publish class-by-class underwriting appetite, preferred risks, restricted/declined classes, geographic eligibility, or submission checklists for Unigard Home. Available home guidance is product/general-coverage oriented rather than underwriting-driven: QBE notes homeowners policies may include a building replacement cost endorsement that can extend coverage by 20% or 25% above insured value depending on state, highlights that higher-value items may require scheduled/floater treatment, and states flood is not covered by standard homeowners policies and must be purchased separately. Broker/producer operational note: use the QBE agent portal/contact channels rather than relying on a public appetite guide; independent-agent distribution is expressly referenced in QBE consumer materials, and the agent support page provides agency support contact information for portal help. Geographic note: no verified Unigard Home state appetite or territory list was publicly posted on the official site. Submission requirements: no public Unigard Home submission checklist or required-data list was verified on the official site. Bottom line for refresh: public official guidance appears limited to general home coverage education plus agent-portal access; detailed underwriting appetite for Unigard Home is not publicly published/verified on qbe.com at this time.