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 publishes a Personal Lines binding page showing broad wholesale/binding appetite for home-related personal lines risks. Preferred and target business includes homeowners, including high-value homes; dwelling fire; condos; primary, seasonal/secondary, rental, vacation rental, and vacant properties; CAT-exposed and coastal property; builders risk/course of construction for new or renovation; primary and excess flood; personal liability and umbrella; earthquake; wind-only; valuable possessions; watercraft; short-term rentals including Airbnb; rental dwellings (1–4 family); and accounts with prior losses. A 2023 personal lines capability sheet also states national capabilities, licensing in all 50 states, multiple binding authority markets, and up to $25M property authority at a single location. Geographic notes published by XS Brokers include explicit support for coastal/CAT-exposed property and a Florida-specific homeowner application, suggesting active handling of Florida home submissions; flood materials also indicate online quoting for primary flood in VT, ME, NH, MA, CT, RI, NY, PA, and NJ. No formal declined-class list or hard underwriting prohibitions were found on the verified official pages reviewed, so restrictions appear to be handled through submission review rather than a published declination matrix. Submission requirements are application-driven: XS Brokers posts a Home App, Florida Homeowner Application, Dwelling Fire Application, Builder’s Risk Application, Flood Application, Personal Umbrella and personal liability forms, plus supplements for additional locations, protection class 8B/9/10 or split protection classes, older home updates, supplemental heating, short-term rental, statement of no losses, business on premises, and trust/LLC/estate ownership. Broker/producer notes: retail agents can use the Agent Portal for online quoting on personal lines risks such as dwellings, condos, personal umbrellas and more; flood also has online quote/bind capability. To do business with XS Brokers, the agency appointments page directs new agents to complete a New Agent Profile Form and provide supporting documents. XS Brokers also prominently instructs agencies that it will never request wire funds and asks brokers to notify their accounting teams.