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
Official public guidance found is consumer/product-facing rather than a formal broker appetite guide. For Home, United Insurance Group publicly markets homeowners coverage in Utah through its local agent network and positions itself as a Utah-focused carrier/underwriting operation. Preferred business appears to be standard owner-occupied Utah homeowners placed through affiliated local agents, with optional enhancements for stronger risks including Executive Enhancement on preferred homeowners policies, service line coverage, equipment breakdown, and separate earthquake options. Geographic notes: the company states it serves Utah and references 150+ Utah-based agencies across the state; no evidence of a broader multistate homeowners appetite was verified. Restricted/declined classes are not explicitly published on the official site, so no formal public decline list could be verified; however, the earthquake page notes masonry/masonry veneer is excluded from its 5% deductible earthquake option, which is an important construction-specific limitation. Submission/placement expectations: prospects are directed to find a local agent by ZIP code and contact an agent to learn more; the site repeatedly indicates agents should be involved for full policy details and coverage explanation. Broker/producer notes: no dedicated producer, appetite, or submit-business page for homeowners was verified on the public website. Operationally, treat this as an agent-distributed Utah homeowners program with limited public underwriting transparency; use a local appointed agent channel, confirm eligibility and construction details directly with United/agent, and do not rely on the website for a complete decline list or underwriting rules.