Edison Insurance Company
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
Publicly available, carrier-authored underwriting or appetite manuals for Edison Insurance Company are not posted on the open web. Edison is a Florida-domiciled, admitted homeowners carrier and a wholly owned subsidiary of Florida Peninsula Insurance Company, writing comprehensive multi‑peril homeowners and condo policies via a large network of independent agents throughout Florida. Operationally, agents should treat detailed eligibility, risk selection, and pricing rules as controlled documents accessible only through their appointed-agent or MGA/Windward Risk Managers portals. Preferred business (inferred from positioning and public materials): - Florida owner-occupied one- to four-family dwellings and condo units needing standard HO/condo coverage, including optional identity theft, equipment breakdown, service line, and scheduled-property “Premium Package” enhancements. - Risks that qualify for standard discounts: age 55+ occupants, monitored burglar and/or fire alarms, and claims-free tenure (no claims within at least the past 36 months). These characteristics signal the core profitable profile they advertise and price for. - Homes with favorable wind-mitigation features (documented via wind mitigation inspection), such as hip roofs, strong roof deck attachment, appropriate roof coverings, improved roof‑to‑wall connections, secondary water resistance, and storm shutters or other storm protection devices. The carrier markets wind‑mitigation discounts as a key part of its offering, indicating a preference for better‑fortified structures. Geographic scope and notes: - Focus is Florida only; Edison is admitted solely in Florida and markets itself as a Florida homeowners/condo specialist served by roughly 1,500–2,200 independent agents statewide. - Intended to serve a broad spectrum of homeowners risks across the state, rather than only niche or surplus segments, but within Florida’s cat‑exposed environment and subject to capacity and reinsurance constraints managed by its MGA, Windward Risk Managers. Restricted or declined classes (not fully published): - Edison does not publish a detailed list of ineligible home characteristics or prohibited classes on its public consumer site. Like other Florida domestics, agents should expect internal rules around roof age and condition, electrical, plumbing, and prior loss history, as well as tightened guidelines in high‑catastrophe coastal areas. - Public commentary and market behavior indicate that Edison (together with Florida Peninsula) applies relatively strict underwriting guidelines in order to manage loss ratios and litigation exposure, but exact triggers (e.g., specific water-loss history, certain electrical systems) are embedded in internal manuals and rating/clearance systems, not disclosed on public pages. Submission and documentation expectations (agent-facing, inferred): - All new business is funneled through appointed independent agents and/or comparative raters (including the Citizens Clearinghouse). Agents must use their Edison/Windward carrier credentials to access quoters and upload required inspections or documentation. - For best pricing and acceptance in wind‑exposed areas, a current Florida wind‑mitigation inspection form documenting roof shape, deck attachment, coverings, connectors, and opening protections is strongly encouraged and often effectively required; Edison highlights wind‑mitigation credits as a key way for customers to save. - Agents should be prepared to submit standard home/condo underwriting data: construction type, year built, roof details and age, updates to roof/plumbing/HVAC/electrical, prior losses and claims-free period, occupancy and protection details (alarms, sprinklers), and any special exposures (pools, solar panels, etc.). Broker/producer notes: - Edison distributes exclusively through independent agents; customers are directed to “Find an Agent” rather than buy direct. Agents should maintain an active appointment with Windward Risk Managers/Florida Peninsula/Edison to quote and bind. - Because detailed underwriting guides are maintained behind logins and subject to change in response to Florida market reforms and reinsurance, producers should rely on the current Edison/Windward portals, circulars, and bulletins for up‑to‑date eligibility (e.g., roof age cutoffs, water-loss restrictions, electrical system acceptability) and not on public or third‑party summaries. Due to the lack of a publicly accessible Edison-branded underwriting or appetite manual, the above reflects only what can be confidently derived from official consumer‑facing materials and credible regulatory/market descriptions. For precise binding authority and risk-acceptance rules, agents must refer to Edison’s internal manuals and rate/quote platforms.