XS Brokers Ins Agency, Inc
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
XS Brokers is a national wholesale and binding intermediary with personal lines/home capabilities in all 50 states. For Home risks, currently published appetite centers on homeowners including high-value homes, dwelling fire, condo unit owners, primary residences, secondary/seasonal homes, rental dwellings, vacation rentals, vacant properties, CAT-exposed/coastal property, course-of-construction/new renovation, and accounts needing primary/excess flood, earthquake, personal liability, or umbrella support. Their current personal-lines sales material also highlights short-term rentals/Airbnb, 1-4 family rental dwellings, wind-only, watercraft, valuable possessions, and high-profile individuals as target business. Submission-related guidance shown on the official underwriting page indicates they commonly require or may request the applicable home application plus supplements depending on exposure, including Florida Homeowner, Dwelling Fire, Builder’s Risk, flood, protection class questionnaire for PC 8b/9/10 or split protection classes, older home updates, supplemental heating, additional locations, short-term rental, statement of no losses, business-on-premises, and trust/LLC/estate supplemental forms. Geographic notes: XS states national capabilities and licensing in 50 states, and specifically publishes support for CAT/coastal property and a Florida homeowner application, suggesting active handling of tougher coastal and Florida placements through wholesale markets rather than a narrow standard-market appetite. Broker/producer notes: retailers can use the agent portal for online personal-lines quoting on dwellings, condos, and personal umbrellas; agents may also search for an underwriter/broker by product and location. For agency access, XS publishes a new-agent profile requesting agency details, ownership, staff, website, business mix, approximate E&S volume, current wholesalers, and new business/E&S premium commitment. Notable instruction: XS prominently warns that it will never request agencies to wire funds. No single official public page was found that lists hard declines; however, the published appetite clearly skews toward difficult, coastal/CAT, vacant, rental, prior-loss, and specialty personal-lines property rather than standard admitted homeowners only.