Assurance America
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
Current public information indicates AssuranceAmerica is a non‑standard personal auto and renters insurer; there is no verified evidence they write homeowners/HO forms directly. Their own site markets affordable car and renters insurance only, and third‑party distribution and rater documents list them for personal auto (and not homeowners), suggesting any prior or assumed homeowners offering is no longer active or is written only via another carrier/partner. Because AssuranceAmerica does not publish open producer underwriting or appetite guides on its public site, there are no authoritative, line‑by‑line homeowners underwriting rules that can be operationalized (no published preferred, restricted, or declined home classes; no coastal or other geographic rules; and no formal submission requirements beyond general agent appointment steps). The only producer‑facing public item is an Agent Application contact page, which simply invites agencies to contact AssuranceAmerica to become appointed and does not contain appetite or risk‑selection detail. Operationally, treat AssuranceAmerica today as: - Focus: non‑standard private passenger auto and renters only; no direct homeowners quoting or binding platform or guidelines are visible. - Home risks: if a wholesaler or MGA has placed homeowners in the past under the AssuranceAmerica brand, assume those rules are owned and controlled by that intermediary or by a different underlying carrier and not by AssuranceAmerica’s public programs. You should follow the intermediary’s or underlying carrier’s HO manual, not anything from AssuranceAmerica. - Producer instructions: producers must be appointed and connected to their systems (e.g., TEAM‑UP/eDocs in comparative raters) via a separate onboarding process; underwriting questions, appetite checks, and any exceptions should be taken directly to the AssuranceAmerica marketing/underwriting contact since there is no posted rule book. Given the absence of any official homeowners underwriting/manual content from AssuranceAmerica and the strong evidence they are currently positioned as an auto/renters writer only, you should treat AssuranceAmerica as **not an available homeowners market** unless and until an updated, carrier‑branded HO underwriting guide or product announcement is released.