Universal North American 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
No current, carrier‑published homeowners underwriting or appetite guide for Universal North American Insurance Company (UNAIC) could be located. The only detailed homeowners underwriting manual found is hosted by a third‑party wholesaler (Arrowhead/Superior Access) and is not treated here as an official, authoritative source for current carrier rules.([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Home/Universal/Universal%20WA%20Guidelines.pdf?utm_source=openai)) Operational implications for brokers/producers as of this refresh: • Preferred business: Public, up‑to‑date statements of UNAIC’s target homeowner profile (construction, protection class, age of home, loss history, credit, etc.) are not available from official UNAIC channels. Any appetite, credits, or target classes must be confirmed directly with your MGA/general agent or UNAIC marketing/underwriting contact. • Restricted/declined classes: Likewise, there is no current carrier‑hosted list of prohibited risks (e.g., certain roof types, vacancy, coastal distance, prior losses, age of roof, knob‑and‑tube wiring, solid‑fuel heat). Do not assume third‑party manuals or old PDFs reflect current rules; Florida and coastal property appetites in particular have been changing rapidly since 2022. • Geographic notes: Public filings and market commentary confirm UNAIC focuses on personal residential property business in catastrophe‑exposed states (e.g., Florida and other hurricane/quake regions), but exact active states, coastal distance restrictions, and county‑ or ZIP‑level moratoria are not maintained on its public site. Always verify: – Whether UNAIC is currently writing new business, renewing only, or under a binding moratorium in the property’s state/ZIP. – Any special rules for coastal vs. inland risks, wind/hail deductibles, and roof age/condition. • Submission requirements: No carrier‑hosted submission checklist or producer manual is published. In practice, expect standard personal‑lines home submissions via your appointed wholesaler or MGA to require at least: – Fully completed ACORD homeowners application or MGA online application. – Prior carrier/coverage history and claims history (CLUE or equivalent), occupancy details, and construction/protection details. – Photos, roof information, and inspection to support binding in many coastal/cat‑exposed areas. Follow your wholesaler’s specific UNAIC program instructions for any required supplemental questionnaires or inspection/vendor requirements, as these can vary by program. • Producer/broker instructions: UNAIC’s public site provides basic policy service and claims access but does not publish producer appointments, commission terms, binding authority, or referral criteria. Producers typically access UNAIC via MGAs and program administrators; therefore: – Treat all binding authority, eligibility, and referral thresholds as MGA‑specific, and do not bind or issue without explicit program authority. – Confirm any exceptions (older roofs, prior losses, protection class, high TIV, secondary/seasonal, rental/LL, etc.) with the program underwriter before quoting as “firm.” Because no up‑to‑date, official UNAIC underwriting or appetite guide is public, all appetite, eligibility, and submission practices for homeowners should be validated with your current UNAIC‑appointed wholesaler or the carrier’s internal underwriting before binding or representing terms to insureds.