Viceroy Preferred Ins Co

Carrier appetite summary

Verified official guidance is limited and consumer-facing rather than a full broker appetite manual. Current published product mix indicates a Florida-focused personal property carrier offering HO-5 homeowners and DP-1 dwelling fire coverage. Preferred business appears to be owner-occupied homes seeking broader HO-5 protection, while DP-1 is positioned for rental, seasonal, or investment properties with customizable a la carte dwelling coverage. Geographic notes: Viceroy markets itself to Floridians and its mitigation content is Florida-specific, including use of the Florida Uniform Wind Mitigation Inspection Report; regulatory filing also confirms authority in Florida for Fire and Homeowners Multi-Peril lines. Submission/underwriting requirements publicly noted: quotes are obtained by reaching out through the quote page/contact flow; cancellation requests and coverage changes are directed through the agent or customer care; policy documents are handled through the insured portal; lender mortgagee changes are directed to LenderDock; and Viceroy uses Chrp for home inspections, with insureds told to complete inspection photo requests within 30 days. Broker/producer notes: the carrier states it works with agent partners and has an appointment request form for prospective partners, but no detailed official appetite guide, class restrictions, binding authority, coastal restrictions, construction age rules, protection class rules, or explicit declined risks were found on verified official pages. Because no formal underwriting manual was verified, restricted/declined classes cannot be stated beyond noting the absence of published guidance and that the company currently presents only HO-5 and DP-1 personal property products.

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