Homeowners of America
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
Homeowners of America (HOAIC) publishes state-specific Homeowners Quick Reference Guides through its Agent Resources section. These guides function as front-line underwriting and product summaries by state, outlining eligibility, limits, deductibles, mandatory and optional endorsements, and key rating/discount rules. The Texas Homeowners guide dated December 2025 is the most detailed currently visible and illustrates current appetite and rules. Preferred / target business (Homeowners – example: Texas) - Owner-occupied 1–2 family dwellings with adequate Coverage A values (TX: $150,000 minimum; standard up to $2,000,000 for HO-B/HO-3 and $1,000,000 for HOA, with higher limits requiring underwriting approval before binding over $1.5M for HO-B/HO-3 and $500K for HOA). Homes up to 100 years old, with additional questions required on risks older than 50 years. - Properties in ISO PPC 1–7 and select PPC 8–10 newer homes (TX: properties 3 years old or newer with PPC 8–10/10W may be eligible, but require underwriting review and approval prior to binding). - Risks willing to accept percentage deductibles for wind/hail (standard minimums vary by Tier and age of home, but minimum wind/hail is at least 2% in most TX territories, increasing automatically at certain age milestones). - Standard personal liability exposures without prohibited animals or trampoline exposures, or where agents are comfortable with the default $25,000 animal liability and can consider buy-up to full animal liability by endorsement. - Insureds who qualify for multiple discount levers: Accredited Builder, New Purchase, New Roof, Companion Product, Mortgage Free, Preferred Carrier, Claim Free, Monitored Alarm/Gated Community, VA Loan, and Welcome Home (for customers switching from another carrier with prior coverage and who don’t qualify for Accredited Builder or New Purchase discounts). Restricted / declined exposures - Water damage: for homes older than 20 years, sudden and accidental discharge/overflow and continuous leakage are not automatically included on all forms; they may only be available by endorsement and may require underwriting approval for some form types. Homes with poor plumbing or water loss history are effectively restricted by these endorsement requirements. - Age of home: while HOAIC states eligibility up to 100 years, homes older than 50 years trigger additional underwriting information; pre‑1960 dwellings automatically receive a Functional Replacement Cost Loss Settlement endorsement (rather than full replacement cost), limiting claim settlement basis. - Higher-value homes above standard limits need prior underwriting approval to bind and may be declined if risk characteristics, location, or construction are outside appetite (TX: HO-B/HO-3 Coverage A above $1.5M or HOA above $500K require UW sign-off before binding). - PPC 8–10 properties more than 3 years old, or any high-hazard territory not meeting their age and protection criteria, are not clearly in appetite and require underwriting review; these accounts may often be declined. - Liability exclusions: no liability coverage is provided for trampolines or prohibited animals. These exposures must be removed or written elsewhere; full animal liability is only available for acceptable animals and then only by endorsement. - Certain endorsements and coverages are not available on all forms or in all states (e.g., many optional coverages are listed as N/A on HOA form in TX or for some states’ programs). Agents should treat these as out-of-appetite for that product/state. Geographic and hazard notes - HOAIC writes homeowners in multiple states via separate Quick Reference Guides: Alabama, Arizona, Delaware, Illinois, Indiana, Iowa, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, and Wyoming. Availability of dwelling fire and other lines (e.g., separate dwelling programs) varies by state (e.g., Texas and Arizona show separate “Dwelling” quick references). - Texas catastrophe and wind/hail management is explicit: properties are classified into Tier 1 and Tier 2 counties. Tier 1 and Tier 2 counties have mandatory percentage windstorm/hurricane/hail deductibles (2–3% minimum), with automatic increase at certain dwelling ages (e.g., in Tier 1, a 2% minimum deductible applies for homes aged 0–5, increasing to 3% at renewal when the home reaches 6 years; remainder of state minimum 2% for 0–10 years and 3% from age 11). The wind/hail deductible must be equal to or greater than the AOP deductible. - Tier 1 and Tier 2 county lists are specifically enumerated by name in the Texas guide (e.g., Tier 1 includes Brazoria, Galveston, Matagorda, Nueces, San Patricio and many inland high-wind counties; Tier 2 includes Atascosa, Bexar, Comal, Hays, Travis, Williamson, etc.). Agents must code deductibles consistent with these tiers; submission outside guideline deductibles will not be acceptable. Key coverage, limit, and endorsement rules (operational items) - Limits (TX Homeowners): - Coverage A (Dwelling) – minimum $150,000. Max standard $2,000,000 (HO-B/HO-3) and $1,000,000 (HOA), with underwriting approval required to bind over $1,500,000 (HO-B/HO-3) and over $500,000 (HOA). - Other Structures – 10% of Coverage A included; may be adjusted between 2% and 20% of Coverage A. - Personal Property – 40% of Coverage A default, adjustable between 25% and 75%. - Additional Living Expense – 20% of Coverage A for HO-B/HO-3, 10% for HOA. - Personal Liability – $25,000 included, with options to increase up to $500,000. - Medical Payments – $500 included, with options up to $5,000. - Water and foundation coverage (TX): - Sudden and accidental water discharge/overflow and continuous leakage are included on some forms and only available via endorsement for older homes, with at least one form (HOA with RC) excluding some water damage types entirely. - Foundation/slab damage resulting from discharge or overflow of water/steam from plumbing/AC is covered on applicable forms, typically limited to 15% of Coverage A, capped at $25,000 and further limited to $10,000 for homes over 35 years old. - Back-up of sewers/drains – $5,000 included with a $250 deductible, with options up to $25,000 via endorsement at $1,000 deductible. - Deductibles: - AOP: minimum 1%, with 2% and 5% options available. - Wind/Hail: see tier rules above; must be at least equal to the AOP deductible, with 3% and 5% options available for further buy-up. - Mandatory endorsements (TX examples): - Cosmetic Hail Loss Limitation for Other Structures – caps payment for cosmetic hail damage to 2% of the Dwelling limit (applies to certain forms, N/A on others). - Functional Replacement Cost Loss Settlement – automatically applied to dwellings built prior to 1960 on specific forms. - Home-Sharing Host Activities Amendatory Endorsement – limits coverage for losses arising from home-sharing activities (e.g., short-term rentals), signalling restricted appetite for unmanaged home-sharing risk. - Roof Systems Payment Schedule – establishes a depreciation schedule for roofs; may be mandatory or optional based on roof age (optional for roofs age 7 or newer on some forms). Optional endorsements (agent levers) - Equipment Breakdown (up to $100,000 with $500 deductible). - Full Animal Liability – increases animal liability from $25,000 to full personal liability limit (up to $500,000) for acceptable animals only. - Golf Cart coverage (comprehensive/collision, $2,500–$10,000 limit, $250 deductible). - Identity Theft (up to $15,000, $100 deductible). - Increased limits on unscheduled jewelry/watches/furs (increments of $1,000 up to $5,000). - Increased Replacement Cost on Dwelling (25% additional Coverage A for homes built 1960 and later). - Broad “Coverage Extension” endorsement adding: increased credit card/forgery limit ($2,500), consequential loss from temperature change up to $2,000, lock replacement up to $500, reward reimbursement, and expansion of “bodily injury” to include personal injury and cyberbullying/social media claims up to $100,000. - Inland Flood (limits from $10,000–$50,000 with $500 deductible; availability varies by state/form). - Mortgage Extra Expense, Pet coverage, Personal Property Replacement Cost, Refrigerated Property, Residence Glass, Scheduled Personal Property (max schedule $50,000), Service Line ($10,000; $500 deductible), Solar Panel coverage, and Special Personal Property—all as optional endorsements where not listed as N/A for a given form/state. Submission and broker/producer notes - HOAIC sells exclusively through independent agents. Agents must be appointed and use the HOAIC PTS rating/issuance system. New agencies apply via the “Become an Agent” workflow; existing agencies manage producer additions and bank/account changes via forms in the Agent Resources section. - The Quick Reference Guides are explicitly described as overviews only; agents are instructed to consult actual policy forms for full coverage and exclusion details. They should use the state Quick Reference Guide for front-end eligibility, limits, deductible rules, and endorsement availability, and not assume another state’s rules apply. - For risks outside published limits, age guidelines, or PPC/wind tiers, agents are expected to seek underwriting review and approval before binding. This includes high-value dwellings above the stated thresholds, PPC 8–10 homes older than 3 years, and any risks where program notes indicate “requires underwriting approval prior to binding.” - Agents are advised to log into PTS and use built-in production, loss ratio, and policy status reports to manage their books. Commission statements and reports are available under the PTS Reports menu; operational questions should be directed to sales@hoaic.com. - Flood coverage is offered via a partnership with Wright Flood; enrollment and quoting occur on Wright Flood’s platform, with HOAIC providing marketing materials and contact details for Wright’s regional sales manager. Operationally, producers should (1) select the correct state Quick Reference Guide, (2) verify eligibility based on age of home, PPC, Coverage A and county tier, (3) match deductibles and mandatory endorsements with the guide, (4) use optional endorsements and discounts to shape competitive offers, and (5) route any limit exceptions, borderline territory, or atypical liability exposures to underwriting for prior approval before binding.