Columbia Lloyds Insurance Co
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
Columbia Lloyds and MDOW market personal lines property primarily through independent agents in Texas, Oklahoma, and Arkansas, with homeowners and dwelling fire offerings specifically detailed for Texas. The company specializes in residential property insurance. PREFERRED / TARGET HOME BUSINESS - Standard Texas homeowners risks written on: - HOA (Texas Homeowner’s Policy – Form A) on an actual cash value basis, dwelling limits $50,000–$200,000, 1‑year term, with minimum premium $150. Contents typically at 40% of Coverage A; basic endorsements such as residential glass, TV/radio antenna, increased cost of construction, automatic increase of limits, and limited sudden & accidental water ($2,500 or $5,000) are available.([columbialloyds.com](https://www.columbialloyds.com/homeInsurance_CLIC.php)) - HOB (Texas Homeowner’s Policy – Replacement Cost) for higher‑value primary residences, dwelling limits $150,000–$750,000 (up to $1M subject to approval), with a 1‑year term, wind/hail percentage deductible (from 1% and up) and separate AOP deductible ($1,000 and up). Replacement cost on personal property up to 60% of Coverage A.([columbialloyds.com](https://www.columbialloyds.com/replacementCostHO.php)) - Acceptable exposures include typical owner‑occupied dwellings that can meet company underwriting criteria in Texas wind tiers (note: 2% minimum deductible in Tier 2 on HOA/TDP forms).([columbialloyds.com](https://www.columbialloyds.com/homeInsurance_CLIC.php)) DWELLING FIRE / LANDLORD TARGETS - Texas Fire Dwelling Policy – Form 1 (TDP‑1) written on an ACV basis for: - Owner‑occupied dwellings with contents coverage up to 30% of dwelling. - Tenant‑occupied dwellings with contents up to $1,000 plus optional liability (tenant‑occupied only). - Dwelling limits $50,000–$200,000, 1‑year term, $150 minimum premium, $1,000 or 2–5% deductibles (2% minimum in Tier 2 coastal territories). Extended coverage, vandalism and malicious mischief, residential glass, contract of sale, increased cost of construction, fair rental value, and optional sudden & accidental water coverage ($2,500 or $5,000) are available.([columbialloyds.com](https://www.columbialloyds.com/homeInsurance_CLIC.php)) RESTRICTED / DECLINED EXPOSURES (PARTIAL, FROM PRODUCER REFERENCE) - A producer‑facing help site referencing Columbia Lloyds indicates it does not write homeowners or liability coverage for risks with farm animals, exotic or unusual pets, ferocious or dangerous dog breeds (e.g., Chows, Rottweilers, Pit Bulls, Dobermans or mixes), or any animal with a prior bite/attack history. This should be treated as a strong restriction for animal‑related liability on home policies.([agentree.com](https://www.agentree.com/pages/help.aspx?utm_source=openai)) - Additional underwriting manuals likely exist in the password‑protected agent portal; the public site does not list full eligibility criteria (roof condition, prior losses, age of home, etc.), so treat these as carrier‑discretionary and confirm in the agent system. GEOGRAPHIC NOTES - Columbia Lloyds and MDOW are marketed through independent agents in Texas, Oklahoma, and Arkansas, but the detailed home product pages currently describe Texas forms and Texas‑specific wind tiers and deductibles. Expect homeowners and dwelling fire appetite to be focused on Texas, with state‑specific variations for OK/AR handled in separate materials or filings.([columbialloyds.com](https://www.columbialloyds.com/)) - Tier 2 wind territories in Texas require a minimum 2% deductible on HOA/TDP forms; HOB shows wind deductibles starting at 1% and up, to be selected per risk.([columbialloyds.com](https://www.columbialloyds.com/homeInsurance_CLIC.php)) COVERAGE & LIMIT STRUCTURE (OPERATIONAL HIGHLIGHTS) - HOA (ACV homeowners): - A: $50,000–$200,000; ACV basis. - Deductibles: $1,000; 2–5% options (2% min in Tier 2). - Minimum premium $150. - Liability: $25,000, $50,000, $100,000, or $300,000. - Med pay: $500 standard; $1,000 max (requires dwelling limit above $50,000). - Contents: up to 40% of Coverage A. - Key optional endorsements: glass, antenna, increased cost of construction, automatic increase of limits, limited sudden & accidental water.([columbialloyds.com](https://www.columbialloyds.com/homeInsurance_CLIC.php)) - TDP‑1 (dwelling fire): - A: $50,000–$200,000; ACV basis. - Same general deductible and minimum premium structure as HOA. - Contents: owner‑occupied up to 30% of Coverage A; tenant‑occupied up to $1,000. - Optional liability for tenant‑occupied dwellings. - Optional fair rental value and similar endorsements as HOA, including limited water coverage. - HOB (replacement‑cost homeowners): - A: $150,000–$750,000; up to $1M subject to underwriting approval. - Wind/hail deductible: 1%+; AOP deductible: $1,000+. - Liability: up to $500,000. - Med pay: up to $5,000. - Replacement cost on personal property up to 60% of dwelling limit. - Broad menu of value‑add endorsements: increased limits on jewelry/furs, identity theft, service line, equipment breakdown, water backup and sump discharge, pet coverage, golf cart physical damage, cyber protection, and solar panel coverage.([columbialloyds.com](https://www.columbialloyds.com/replacementCostHO.php)) SUBMISSION / PRODUCER NOTES - Columbia Lloyds distributes exclusively via local independent agents; all binding and underwriting are routed through appointed agencies in eligible states. The public site does not publish a step‑by‑step submission checklist; producers are expected to use the carrier’s rater/portal (often accessed via vendor platforms like Agentree) to obtain underwriting guidelines and complete submissions.([columbialloyds.com](https://www.columbialloyds.com/)) - For HOB limits above $750,000 (up to $1M), submissions require underwriting approval; expect to provide additional details (e.g., construction, updates, loss history, protection class) before binding.([columbialloyds.com](https://www.columbialloyds.com/replacementCostHO.php)) - Given the specific dog/animal prohibitions cited in producer materials, agents should screen every applicant carefully for ineligible animals and avoid binding without underwriter review if there is any ambiguity. PRACTICAL OPERATING SUMMARY - Use HOA or TDP‑1 for standard or modest‑value Texas homes needing ACV coverage options within $50,000–$200,000 limits; select deductibles in compliance with Texas tier requirements. - Use HOB for higher‑value primary residences needing replacement‑cost coverage, especially where broader endorsements (water backup, service line, cyber, equipment breakdown, solar) are desired. - Avoid or seek prior approval for risks with prohibited animals, unusual liability exposures, or dwelling characteristics outside the published limit/deductible ranges. - Treat all additional underwriting criteria (age/condition of roof, updates, prior losses, vacancy, pools, trampolines) as subject to Columbia Lloyds’ internal manuals; confirm via the agent portal or with an underwriter before binding borderline risks.