AIG
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
Program focus - AIG’s U.S. Home offering is written primarily through AIG Private Client Group (PCG), targeting affluent and high‑net‑worth individuals and families needing broader coverage and higher limits than standard market homeowners policies. PCG works with a select network of independent agents and brokers; direct access is not typical for retail consumers. Preferred home business - High‑value primary and secondary residences with substantial Coverage A values, often custom or architect‑designed construction, including homes with complex features (custom finishes, pools, outbuildings).([aigprivateclient.com](https://www.aigprivateclient.com/index.html?utm_source=openai)) - Well‑maintained properties with modernized electrical, plumbing, roof, and mechanical systems and strong life‑safety features (central station fire/burglar alarms, water‑leak detection and automatic shut‑off, generators). AIG promotes risk‑mitigation tools such as Smart Build for new construction, signaling a preference for clients willing to invest in protection.([aig.com](https://www.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/smart-build-brochure.pdf?utm_source=openai)) - Clients with broader Private Client relationships (auto, collections, umbrella, yacht) and a history of responsible loss experience; PCG emphasizes holistic, relationship‑based accounts rather than monoline home.([aigprivateclient.com](https://www.aigprivateclient.com/index.html?utm_source=openai)) Restricted or declined home risks (inferred from AIG actions and HNW market norms) - Catastrophe‑exposed locations are carefully managed. AIG PCG has previously pulled back from admitted homeowners in California due to wildfire and other catastrophe experience; current appetite for admitted CA home is very limited and tends to favor exceptionally well‑protected, risk‑mitigated properties written through select brokers or non‑admitted facilities.([theinsurer.com](https://www.theinsurer.com/ti/news/aig-private-client-group-to-stop-writing-admitted-homeowners-in-california/?utm_source=openai)) - Expect heightened scrutiny or possible declination for: homes with prior significant water, fire, or liability losses; unmitigated wildfire exposure; poor maintenance; knob‑and‑tube or aluminum wiring; older roofs without updates; and secondary or seasonal homes without robust loss‑prevention. - Prior large or frequent losses, open claims, or evidence of adverse maintenance/occupancy issues can trigger non‑renewal or significant pricing changes based on underwriting review. Geographic notes - AIG PCG operates nationally but concentrates on affluent ZIP codes and higher‑value properties. Not all products or coverage options are available in every state and all offerings are explicitly subject to underwriting review and approval.([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) - California admitted homeowners has experienced material retrenchment; placement there is highly selective and may instead be routed to surplus lines or alternative structures via approved broker partners.([theinsurer.com](https://www.theinsurer.com/ti/news/aig-private-client-group-to-stop-writing-admitted-homeowners-in-california/?utm_source=openai)) Submission and underwriting process (broker/producer expectations) - Business is placed via a select group of independent agents/brokers with Private Client capabilities; PCG highlights that it "is proud to work with a select group of the finest independent insurance agents and brokers," signaling that producers must be appointed and meet volume/quality standards.([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) - Submissions are expected to be complete and tailored: detailed home characteristics (construction, year built and updates, roof type/age), protection features (alarms, sprinklers, water shut‑off), prior carrier and loss history, usage (primary vs. secondary vs. rental), and any renovation or new‑construction information. - All coverages are expressly subject to underwriting review and approval; marketing materials stress that brochures are summaries only and that actual eligibility, terms, and pricing are governed by policy forms and underwriting discretion.([www-604.aig.com](https://www-604.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/pcghomeowners-brochure.pdf?utm_source=openai)) - For new‑construction or major renovation projects, AIG may coordinate Builders Risk and risk‑engineering services through Smart Build; producers should surface projects early so underwriting and risk‑consulting can align on site protection and potential premium credits.([aig.com](https://www.aig.com/content/dam/aig-apps/america-canada/us-pcg/documents/nonsecure/brochure/smart-build-brochure.pdf?utm_source=openai)) Broker / producer notes - AIG emphasizes underwriting excellence and broker partnership across its risk‑solutions businesses; PCG home is positioned as part of a larger HNW offering with risk‑mitigation services and claims support, so brokers are expected to position the account on a total‑relationship basis, not as monoline price‑shopping.([aigprivateclient.com](https://www.aigprivateclient.com/index.html?utm_source=openai)) - Marketing documents are not explicit "rules" tables, but the themes are: target affluent, well‑protected homes; balance CAT spread; and use AIG’s risk‑engineering tools. Producers should anticipate follow‑up from underwriters on CAT‑zone properties, prior losses, and the client’s overall risk‑management posture. Operational takeaway - Treat AIG PCG home as a high‑net‑worth, coverage‑driven market, focused on larger, well‑maintained, well‑protected homes placed through select brokers. Avoid submitting low‑limit, price‑driven, poorly maintained, or heavily CAT‑exposed dwellings without clear mitigation and a broader relationship story. Expect full underwriting review, especially in CA and other CAT‑prone states, and build submissions around property quality, protections, and the client’s overall portfolio with AIG.