United Home 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 public website shows United Home Insurance Company is in receivership/liquidation, with rehabilitation ordered September 6, 2023, liquidation ordered November 14, 2023, and policies cancelled as of December 18, 2023; operationally, this means the carrier should not be treated as open for new home submissions despite older underwriting materials still being publicly accessible. The official site provides liquidation and guaranty-association contacts rather than active appetite or submit-business guidance. An older Arkansas property underwriting guide remains accessible through the agent portal and indicates the historical target risk was standard/preferred owner-occupied, well-maintained, occupied 1-unit residences for responsible homeowners/renters, with preference for insureds who maintain property, are claims-conscious, and present cross-sell/additional line opportunities. Historical eligibility required adequate insurance-to-value, current property photos before issuance (front, rear, and any special exposures such as wood heat, pools, detached structures), primary residence for the homeowners program, and only incidental farming or minor incidental business exposures with underwriter discussion. Historical building requirements called for major systems in good condition, no unresolved code or fire issues, acceptable central or thermostatically controlled heat, and underwriting review of all losses in the prior 5 years (10 years for fire losses). Historical declined/ineligible classes included homes under construction or extensive remodel with vacancy, manufactured homes other than modular, open foundations/post-and-pier, non-standard buildings, historic-register homes, architecturally unique homes, unoccupied or vacant dwellings, buildings owned by corporations/LLCs, homes for sale, significant farming exposure, brush or wind hazard locations, exotic pets, certain dog breeds, horse activity exposures, non-owned animals grazing on premises, contract-for-deed arrangements, nonstandard mortgage situations, delinquent mortgages, insureds with recent bankruptcy, significant collections/tax liens/bad debt, separated marital status, felony household members, and certain employment/financial concerns. Historical refer-to-underwriting items included prior declination/cancellation/nonrenewal, more than 3 weather losses in 5 years, more than 1 non-weather loss in 5 years, business on premises, incidental farming, Coverage A above $350,000, secondary dwellings, and seasonal dwellings. Historical roof note: wood shake/shingle, metal tile/shake, clay/spanish tile, rolled roofing, slate, hot-mopped flat roofs, and sprayed polyurethane foam required roof exclusions to qualify. Broker/producer notes available from the public agent reference sheet include direct underwriter contacts by state (AR, MO, OK) plus customer support, billing, claims, and mortgage-change contacts, but because the company is in liquidation these contacts should be used only for runoff, claims, billing, or guaranty-fund related matters rather than new submissions.