United Home Insurance Company
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Carrier appetite summary
United Home Insurance Company is no longer an active homeowners market and is in court-ordered liquidation. The Arkansas Insurance Department placed United Home in receivership for rehabilitation on September 6, 2023 due to financial impairment from weather-related losses; rehabilitation was later deemed not feasible and the Pulaski County Circuit Court ordered liquidation on November 14, 2023, with an amended order on November 16, 2023 activating state guaranty associations. All remaining policies in force were cancelled effective no later than December 18, 2023 in all states where it wrote business (including Arkansas, Kentucky, Missouri, Oklahoma, and Tennessee). No new or renewal business is being written, and there is no current underwriting or appetite guidance for placing new homeowners risks with this carrier. Operationally for brokers/agents: - Preferred/restricted/declined classes: Not applicable going forward; the company is in liquidation and is not accepting any submissions for new or renewal homeowners coverage. All former appointment authority is effectively limited to handling run‑off and communication of cancellation/transition; agents should not collect or remit any premium after December 18, 2023, and should have moved policyholders to alternative carriers. - Geographic notes: United Home had historically written personal-lines homeowners business in AR, KY, MO, OK, and TN, but all policies in every jurisdiction were cancelled pursuant to the liquidation order as of December 18, 2023. There is no remaining geographic appetite or capacity. - Submission/claims handling: New business submissions are not accepted. Claims under former policies fall under state guaranty associations and the court-appointed receiver. Notices from Oklahoma and Kentucky guaranty/insurance departments confirm that existing claims continue to be administered through the receivership and guaranty funds, and a proof-of-claim deadline for the estate has been extended to June 1, 2025. Agents and insureds are directed to file claims or proof-of-claim per the receiver’s and guaranty association instructions; this is a runoff/liquidation process, not standard carrier claims operations. - Producer/broker instructions: State regulator notices to formerly appointed agents specify that all United Home policies were cancelled as of December 18, 2023 and instruct that no further premiums be accepted after that date, and that agents should contact all affected policyholders, advise of cancellation, and assist with securing replacement coverage in the voluntary market. There is no facility for reinstatement or rewrite with United Home. Any remaining interaction with the estate is limited to helping insureds or claimants navigate guaranty association claim filing and answering questions about past policies. Bottom line: Treat United Home Insurance Company as an insolvent, liquidated carrier with no active underwriting authority. Do not submit risks or attempt to place new or renewal home policies with this company; instead, remarket affected accounts to alternative carriers and direct any open claim or unearned premium questions to the appropriate state guaranty association or the Arkansas receiver per regulatory notices.