Cabrillo Coastal
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
No public, carrier-hosted detailed underwriting or appetite guides are exposed on Cabrillo Coastal’s website; producer-level rules appear to be gated behind the agent portal. Operational guidance below is therefore based on current public product descriptions and a recent official Florida HO3 underwriting manual released for Cabrillo’s affiliated US Coastal Property & Casualty program, which is administered by Cabrillo Coastal. Treat these as directional guidelines and defer to the latest state/program-specific manual in the agent portal for binding authority. Preferred / target business (home-related lines) - Cat‑exposed, coastal residential property where standard markets are limited, particularly in FL, CA (HO3-DIC with FAIR Plan), and other Atlantic/Gulf coastal states. Cabrillo positions itself as a coastal and catastrophe‑exposed specialist rather than a broad national preferred market. - Owner‑occupied 1–2 family primary or secondary dwellings, in good condition, with clear “pride of ownership” and no significant deferred maintenance (e.g., maintained roofs, sound railings, safe walkways, no debris or junk vehicles on premises).([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) - Properties insured at or near 100% replacement cost using the carrier’s required replacement cost estimator (360Value® via Cabrillo’s portal) and fitting within program size limits (larger custom homes may require prior UW review).([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) - Risks with zero or limited, non‑water, non‑liability claims in the last 5 years, and acceptable insurance scores. Key eligibility and restricted classes – HO3 / homeowners (Based primarily on current FL US Coastal HO3 manual administered by Cabrillo Coastal) - Occupancy: - Eligible: 1–2 family owner‑occupied homes; secondary/seasonal owner‑occupied accepted on a stand‑alone basis if not rented. - Ineligible: Vacant dwellings; properties used as rooming/boarding houses (non‑family boarders); some short‑term rental or mixed‑use occupancies unless written in a specific program.([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) - Construction / condition: - Pride of ownership required; homes needing significant repair, with obvious safety hazards (broken or missing railings, cracked or heaving walks/driveways creating trip hazard), or evidence of poor maintenance are ineligible. - EIFS cladding, Masonite or wood‑shake siding, and improperly enclosed crawlspaces are listed as ineligible in the FL HO3 manual. - Dwellings on wood pilings are ineligible for wind coverage; may be eligible if written with wind/hail excluded and built 1995 or later, subject to UW.([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) - Location / catastrophe exposure (FL coastal – indicative): - Dwellings located on barrier islands are ineligible for wind coverage under the referenced FL HO3 guidelines. - Dwellings requiring boat or ferry access are ineligible. - Protection Class 10 risks face tighter criteria: must be owner‑occupied, visible from a maintained public road, with no farming, ranching, hunting operations (unless specifically endorsed via mini‑farm, subject to separate rules and prior approval).([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) - Size/value: - Dwellings over approximately 4,300 sq ft living area require prior underwriting approval before binding in the FL HO3 program. - Coverage limit must be at least 100% and not more than 125% of replacement cost; >125% requires unbound submission with supporting documentation.([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) Claims / loss history - Generally acceptable: 0–1 prior property claim in 5 years, subject to type and county. - Ineligible under FL HO3 guidelines: - Any prior liability, theft, or fire loss at the risk in the past 5 years. - Two or more property claims of any type in the last 5 years. - Any open claim at the risk location at time of binding. - Certain prior water losses: in Dade, Broward, Palm Beach, Orange or Seminole Counties, a prior water loss with indemnity payment renders risk ineligible; in other FL counties, such losses must be referred to underwriting. - All claim‑related repairs must be completed prior to binding; undisclosed claims within 5 years can lead to cancellation of new business.([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) Prior insurance / insurance score - No‑prior‑insurance risks typically require prior UW approval before binding, except new purchases within a specified timeframe (e.g., last 45 days) or first‑time homeowners per FL HO3 manual. - Insurance score is referenced in market commentary and internal guides as a material rating/eligibility factor, especially in high‑risk coastal zones.([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) Wind / coastal considerations - Cabrillo focuses on catastrophe‑exposed property; willingness to write wind along the coast is balanced by more stringent underwriting (roof age/type, elevation, wind mitigation, and distance to shoreline are heavily scrutinized).([cabgen.com](https://cabgen.com/)) - For certain high‑exposure locations (e.g., barrier islands, PC 9–10, very near tidal water), wind coverage may be excluded or require special underwriting review, higher deductibles, or may be declined altogether, as reflected in the FL HO3 manual. State / product‑specific notes - States where HO3 is currently listed as available include AL, CA, DE, FL, MS, NJ, NY, NC, RI, and SC, with program variations by state. HO3‑DIC is currently a CA‑only product designed as a FAIR Plan companion. - DP3, MDP1, MHO3, HO6, and Commercial Property (CPP for condo associations and residential buildings) each have their own program rules; public site only provides high‑level descriptions (occupancy type, basic coverage intent). Detailed underwriting (e.g., tenant vs owner occupancy for DP3/MDP1, short‑term rental use, and condo association characteristics) must be confirmed in the applicable state manual in the agent portal.([cabgen.com](https://cabgen.com/products)) Submission and binding expectations (general – based on FL HO3 manual and site positioning) - Binding authority: Agents may bind only when all program eligibility criteria are clearly met and risk is not in a temporarily closed county/ZIP or moratorium area. Cabrillo/US Coastal may close new business by county/ZIP or class during heightened catastrophe activity; such risks cannot be bound during closures. - Required documentation for new business commonly includes: - Fully completed application keyed in the Cabrillo agent system, matching any ACORD or signed paper app. - Use of the carrier’s 360Value® tool for Coverage A limit. - Loss history disclosure (including non‑insured events) and explanation of prior losses and mitigation steps. - Photos, inspections, and any required supplemental forms (e.g., mini‑farm, wind mitigation) as specified per state/program. - Homes in select counties or after a hurricane event may require proof of continuous prior insurance and a signed Statement of No Damage before binding new business.([scribd.com](https://www.scribd.com/document/874289318/US-Coastal-Homeowners-Underwriting-Guideline?utm_source=openai)) Broker / producer instructions (publicly visible) - Producer business is handled through the Cabrillo agent portal (agents.cabgen.com). Access to program guidelines, manuals, and quoting/binding is gated; producers must be appointed/authorized through Cabrillo.([cabgen.com](https://cabgen.com/)) - Prospective agencies use the “Become a Producer” workflow on the website; active producers should rely on the most current state‑specific underwriting manuals, bulletins, and appetite communications posted in the portal rather than third‑party summaries. Operational takeaways - Treat Cabrillo as a coastal and CAT‑exposed specialist with tighter underwriting around property condition, prior losses (especially water, liability, and fire), and high‑hazard locations. - Expect program‑by‑state variation; for any specific risk, pull the current manual from the agent portal (e.g., FL HO3 effective 1/1/2024 NB, 4/1/2024 RN for US Coastal/Cabrillo) and follow its eligibility, documentation, and binding/moratorium rules. - When in doubt (e.g., prior claims, large square footage, unusual construction, PC 9–10, near tidal water, or any non‑owner occupancy), do not bind; submit to Cabrillo underwriting with photos, inspection reports, and full risk details.