United Insurance Group
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 public guidance remains limited and consumer-facing rather than a formal underwriting or broker appetite guide. For Home, United Insurance Group publicly markets standard homeowners coverage in Utah with optional endorsements including Service Line, Executive Enhancement, Equipment Breakdown, and Earthquake. Website language indicates a Utah focus and agency distribution model, noting service to Utah neighbors since 1998 and affiliation with 150+ Utah-based agencies. Preferred business appears to be owner-occupied personal home risks written through local agents, especially accounts interested in package-style enhancement endorsements. Publicly promoted features include service line protection with a $500 deductible and $10,000 limit, equipment breakdown available for $35/year with a separate $500 deductible and $100,000 max limit, and earthquake options including Full Earthquake and Limited Earthquake; earthquake notes include a 5% deductible and exclusion for masonry/masonry veneer. No formal public list of restricted or declined home classes, construction types, protection classes, occupancy restrictions, age limits, prior loss thresholds, or catastrophe concentration rules was found on the official site, so those items are not publicly verified. Geographic note: operations and distribution appear centered in Utah, and the site consistently directs prospects to find a local agent by ZIP code. Submission/placement guidance: prospects are instructed to contact an agent rather than submit directly through a producer portal; no separate broker submission guide, appetite PDF, or producer manual was located on the official website. Broker/producer note: company structure states United Underwriters functions as an underwriting manager for Benchmark Insurance and United Insurance Company, suggesting underwriting authority is handled internally/through affiliated agencies, but no public producer appointment or broker access instructions were found. Operationally, treat appetite as retail-agent driven Utah personal lines home business with optional enhancement endorsements, and obtain any detailed underwriting rules directly from the carrier or appointed local agent.