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
United Home Insurance Company’s official public website currently operates as a liquidation notice site rather than an active new-business marketing site. The website states the company was placed into receivership for rehabilitation on September 6, 2023, ordered into liquidation on November 14, 2023, and that policies were cancelled effective December 18, 2023, with guaranty association contacts provided for AR, KY, MO, OK, and TN. As a result, there is no current indication of active underwriting appetite or open new submissions on the public site. The verified Arkansas homeowners underwriting guide available through the agent system appears to be a legacy document, effective 12/07/2016, and should be treated as historical guidance only. In that legacy guide, preferred business was standard/preferred owner-occupied, well-maintained, occupied 1-unit private residences for responsible homeowners/renters with prudent upkeep, adequate insurance-to-value, and opportunities for account rounding. Agents were expected to pre-underwrite carefully, discuss applicants with multiple claims, financial trouble, or other concerns before placement, and upload current photos before issuance, including front, rear, and any special exposures such as wood heat, pools, or detached structures. General eligibility favored primary residences; secondary residences could be acceptable but not in the homeowner program; incidental farming was allowed only if not the insured’s primary occupation; and business-on-premises generally disqualified unless small/incidental and cleared with underwriting. Building requirements required major systems in good condition, no unresolved code/fire violations, acceptable central or thermostatically controlled heat, and underwriting review of all losses in the prior 5 years, or 10 years for fire losses. Legacy ineligible or declined risks included homes under construction or major remodel, manufactured homes except modular, open foundation/post-and-pier, non-standard buildings, historic-register homes, architecturally unique homes, unoccupied or vacant dwellings, LLC/corporate ownership, contract-for-deed arrangements, nonstandard lenders, significant credit distress, recent bankruptcy within 3 years, delinquent mortgage, separated marital status, unemployed insureds under age 60, exotic pets, specified dog breeds or mixes, horse activity exposures, non-owned grazing animals, farming exposures beyond incidental farm, and homes in brush or wind hazard areas. Referral items included prior coverage declined/cancelled/non-renewed, 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. Certain roof types required a roof exclusion, including wood shake/shingle, metal tile/shake, clay/Spanish tile, rolled roofing, slate, flat hot-mopped roofs, and sprayed polyurethane foam. Broker/producer operational notes from the verified agency reference sheet include company correspondence in Paragould, Arkansas; general support and servicing emails; billing and claims contacts; and named property underwriters by state, but these also appear to be legacy contacts rather than evidence of current market availability.