First American
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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
First American Property & Casualty Insurance Company (the homeowners/condo/landlord writer commonly referred to as “First American” for Home) has exited the personal lines property and casualty market and is no longer a viable placement option for new home risks. Current status - First American Property & Casualty Insurance Company has stopped writing new personal lines policies and is in run‑off for existing business. This is stated on the carrier’s own landing page for the P&C entity, which confirms they "have stopped writing new personal lines insurance policies" and are only servicing existing policies (claims, policy service).([firstam.com](https://www.firstam.com/fapcig/?utm_source=openai)) - Prior news coverage indicates First American arranged book‑transfer options (e.g., to Safeco and Heritage) as part of its exit from the P&C homeowners market, with the transition targeted to be completed by late 2022.([housingwire.com](https://www.housingwire.com/articles/first-american-exits-property-and-casualty-business/?utm_source=openai)) These arrangements are now historical; agents should treat the book as fully transitioned or non‑renewed and not expect new-production opportunities. Practical underwriting / placement implications - Preferred / target business: None for homeowners or other personal lines property at this time. The company is not accepting new submissions for Home, Auto, or other personal P&C lines in the U.S. - Restricted or declined classes: Functionally, all new personal lines risks are declined due to the corporate decision to exit the line. Do not market new homeowners, dwelling fire, condo, or landlord risks to First American P&C. - Geographic scope: Previously operated in multiple states, but geography is now irrelevant for new business; the line is closed nationwide. Existing in‑force policies are being serviced per prior terms until expiration, non‑renewal, or transfer. Submission & servicing notes for existing policies - New business submissions: Not accepted. Agents should redirect all new homeowners placements to alternative carriers; follow any prior book‑transfer instructions (e.g., to Safeco or Heritage) where still applicable in your agency management system or network guidelines.([housingwire.com](https://www.housingwire.com/articles/first-american-exits-property-and-casualty-business/?utm_source=openai)) - Renewals: The property & casualty book was scheduled for non‑renewal/transfer as part of the 2022 exit. Any remaining legacy policies should be treated as run‑off; expect non‑renewals or already‑completed transfers at renewal. Confirm each account’s status directly with the carrier or successor market. - Endorsements/changes: Limited to servicing of existing policies within whatever constraints remain in force. There is no published, forward‑looking appetite or underwriting guideline set for new classes, limits, or locations; changes are handled case‑by‑case by remaining service staff. - Claims handling: Claims contacts for legacy personal lines policies remain active (central claims phone number, email addresses, and mailing address are listed on the First American P&C page). Use those channels solely for claim reporting and servicing on existing in‑force or runoff policies.([firstam.com](https://www.firstam.com/fapcig/?utm_source=openai)) Broker / producer instructions - Do not present First American P&C as a current personal lines homeowners market. Treat the line as closed and remove it from comparative raters and proposal options for new or remarketed risks. - For any insureds still showing First American P&C policies, proactively remarket to other carriers ahead of renewal and explain that First American has exited the home insurance market. - For First American’s ongoing businesses (title, data, and home warranty), follow their separate producer/partner onboarding and guidelines; these are distinct product lines and do not re‑establish a standard homeowners underwriting appetite. Operational takeaway: For the "Home" insurance product line, First American is now strictly in run‑off/servicing mode with no current underwriting appetite. Agencies should not submit or quote new home risks to this carrier and should focus on transitioning any remaining accounts to active markets.