GeoVera
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
Overall profile: GeoVera is a catastrophe-focused property market. Appetite is concentrated in high‑hazard geographies (earthquake on the West Coast; wind and hurricane in Florida and select coastal states; commercial condo/HOA property in Florida). Much of the detailed underwriting guidance is distributed via password‑protected myGeoSource and wholesaler portals; operational guidance below is based on currently public-facing information and state/program descriptions. Preferred business & target risks - Residential earthquake (admitted, GeoVera Insurance Company & Coastal Select): owner‑occupied 1–4 family dwellings in California, Oregon, and Washington with generally sound construction and maintenance. GeoVera actively seeks earthquake policies as a standalone coverage in these states and promotes these markets to partner agents.([geovera.com](https://geovera.com/become-a-geovera-agent/?utm_source=openai)) - Florida homeowners (surplus lines, GeoVera Specialty): catastrophe‑exposed homes written through wholesale brokers, often where standard markets are constrained. Target is well‑maintained primary or secondary residences meeting surplus‑lines E&S standards and carrier coastal/wind tolerances. - Commercial property for condominium and homeowner associations in Florida: well‑managed associations with adequate reserves and maintenance, written on both admitted (GeoVera Insurance Company) and surplus lines (GeoVera Specialty) paper.([geoveranova.com](https://geoveranova.com/contact-us/?utm_source=openai)) Restricted or declined classes (inferred from appetite and structure) - Non‑cat or low‑hazard personal lines are generally not a focus; business is concentrated in catastrophe‑prone regions (earthquake and wind). Accounts outside these niches will typically be non‑target. - For Florida homeowners and condo/HOA property, risks with poor maintenance, significant prior unrepaired losses, or clear structural deficiencies are likely to be declined or surcharged. Age of construction, roof age and type, and compliance with local building codes are key rating and eligibility drivers in these markets. - Certain very high‑hazard or nonstandard exposures (e.g., extreme coastal proximity, unusual construction types, or heavy adverse loss history) may be written only on a carefully underwritten surplus‑lines basis or not at all, depending on internal wind/quake capacity and aggregation controls. Geographic notes - Earthquake (admitted): available in California, Oregon, and Washington through Coastal Select and GeoVera Insurance Company. These are the primary territories for residential earthquake appetite.([geovera.com](https://geovera.com/become-a-geovera-agent/?utm_source=openai)) - Florida homeowners (E&S): written via GeoVera Specialty Insurance Company; access is typically through wholesale brokers and select exclusive agents.([geoveranova.com](https://geoveranova.com/contact-us/?utm_source=openai)) - Florida condo/HOA commercial property: available on both GeoVera Insurance Company (admitted) and GeoVera Specialty (E&S) platforms, focusing specifically on Florida associations.([geoveranova.com](https://geoveranova.com/contact-us/?utm_source=openai)) - Other states and products (e.g., stand‑alone wind‑only programs like South Carolina wind guides found on wholesaler sites) appear to be program‑based and should be treated as special programs with their own manuals rather than broad national appetite.([nrsinsurance.com](https://www.nrsinsurance.com/wp-content/uploads/2019/09/GVSIC-SC-Guide-Wind-07072021.pdf?utm_source=openai)) Submission & producer notes - Distribution is controlled: agents must be appointed to access myGeoSource, the GeoVera online quoting, binding, and policy management platform. Producers request appointment for earthquake (CA, OR, WA) or surplus‑lines homeowners (FL) through the GeoVera "Become an Agent" page.([geovera.com](https://geovera.com/become-a-geovera-agent/?utm_source=openai)) - Florida homeowners and commercial condo/HOA property are written through wholesale brokers and exclusive agents, not as an open retail market. Retail agents generally need to work through these wholesalers or approved MGAs.([geoveranova.com](https://geoveranova.com/contact-us/?utm_source=openai)) - Underwriting manuals and eligibility details are delivered through secure agent portals (myGeoSource and partner/MGA portals) rather than public sites. For new business, expect standard catastrophe‑market documentation: fully completed ACORDs where applicable, supplemental earthquake/wind or association applications, updated COPE and construction details, values by location, prior loss runs, and confirmation of association governance and maintenance for condo/HOA risks. - Claims and policy servicing are centralized through myGeoSource and GeoVera Advantage Insurance Services, indicating an integrated approach to claims handling but not materially changing field underwriting expectations.([geovera.com](https://geovera.com/hurricane-prep/?utm_source=openai)) Operational underwriting takeaways for brokers - Treat GeoVera as a specialist market for: (1) West Coast residential earthquake, and (2) Florida catastrophe‑exposed homeowners and condo/HOA property. Confirm the correct GeoVera entity (admitted vs surplus lines) based on state and risk type. - Expect detailed property information requirements, especially for catastrophe exposures: year built, construction type, roof type/age, protection class, updates, prior losses, and mitigation features (e.g., retrofits for quake, roof/wind mitigation for FL homes, life‑safety and maintenance standards for associations). - Because appetite and capacity are aggregation‑sensitive, large schedules or properties in highly concentrated cat zones may require additional underwriting review or be subject to stricter limits and pricing. - Always check current program‑specific manuals within the agent portal or wholesaler guidance before quoting; several legacy public manuals exist online, but current binding rules, eligibility, and forms are maintained within GeoVera’s and partners’ secure systems and may differ from older documents.