Allstar Underwriters
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
Allstar Underwriters operates as a managing general agent/wholesale broker with multiple divisions, including personal lines. The current accessible homeowners guidance appears via a Tower Hill / Allstar-branded HO1 Basic and HO1 Basic Plus guideline sheet, and should be treated as program-specific rather than carrier‑wide personal lines rules. Preferred / target business (HO1 Basic & Basic Plus) - Owner-occupied, standard construction 1–2 family dwellings that meet age‑of‑home, condition, and protection standards outlined in the guideline. “Allstar Underwriters will consider risks with the following characteristics, based on location and condition,” indicating a focus on well‑maintained, structurally sound homes with no significant prior loss issues. - Homes that meet roof age/condition and system condition requirements (roof, electrical, plumbing, HVAC) and pass exterior survey/inspection where required. - Basic and “Basic Plus” forms are positioned for more price‑sensitive or basic-coverage personal home accounts rather than high‑value or specialty dwellings. Restricted / referred / declined risks - Specific ineligible characteristics are listed in the Tower Hill/Allstar HO1 guideline (e.g., certain older or poorly maintained homes, unacceptable roof or wiring types, prior losses, vacancy or seasonal use outside program rules, or other structural/habitational hazards). Any risk outside the stated age‑of‑home, occupancy, and condition criteria must be referred before binding. - Unacceptable or highly restricted exposures include homes with significant unrepaired damage, seriously degraded roofs, outdated or unsafe electrical or heating systems, or locations with unacceptable catastrophe/hazard scores for the program’s underwriting company. Geographic notes - Allstar operates out of southeastern offices (GA, SC, NC) and distributes multiple carrier programs; the HO1 Basic guideline is tied to a specific insurer (Tower Hill) and is available only in that carrier’s approved states and territories. Agents should confirm state eligibility, coastal/cat restrictions, and distance‑to‑coast or territory rules with the underwriter before quoting. Submission / processing requirements - Personal lines submissions are handled through Allstar as MGA/wholesale broker; accounts must be submitted with a fully completed application, accurate construction/roof/system details, prior loss history, and any required photographs or inspections. The guideline emphasizes that acceptability is “based on location and condition,” implying exterior inspection or underwriting review prior to final binding. - Agents should follow Allstar’s standard agency documentation (agency agreement, producer profile, ACH authorization and related onboarding items available under Agent Resources on the main site) before placing business. Broker / producer notes - Allstar positions itself as providing “timely and creative options” and encourages agents to contact an underwriter when a risk is near but not clearly inside appetite. For borderline dwelling or habitational risks, producers should call or email their Allstar personal lines underwriter to discuss before binding or promising terms. - Because the HO1 Basic/BASIC Plus sheet is carrier‑branded, producers should treat it as program‑specific. Other homeowners or dwelling programs with different carriers will have their own guidelines; confirm appetite and forms with the assigned Allstar underwriter for each market. Operationally: write standard, well‑maintained owner‑occupied homes that fit the HO1 Basic/BASIC Plus criteria in eligible states; pre‑clear any older, coastal, or condition‑challenged properties; ensure complete, accurate submissions; and use Allstar underwriters for clarification or exceptions, as requirements and eligible territories are program‑specific and may change.