Homesite
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
Homesite writes personal lines property business nationally, primarily homeowners, renters, and condo; it also offers small business products through a separate online platform and via partners like Progressive and GEICO. The publicly available material is largely consumer-facing and does not publish a formal producer-facing underwriting or appetite guide. Preferred / target business (inferred from marketing and product positioning): - Standard HO3/condo/renters risks for owner-occupied or tenant-occupied primary residences with typical construction and protection features, written on a direct-to-consumer or partner-distributed basis. - Homes in good condition with no significant unrepaired damage, in locations where Homesite is actively writing and not under a moratorium or new-business restriction. - Customers acquired through distribution partners (e.g., Progressive Home Advantage or GEICO placements) where the risk meets Homesite’s internal eligibility rules. Restricted / declined (based on market behavior and reports, not a published rulebook): - Properties in higher natural‑catastrophe hazard areas (wildfire, wind, etc.) may face tightened underwriting, higher nonrenewal risk, or new‑business restrictions; there are consumer reports of non‑renewal tied to wildfire risk scores or failure to correct safety issues such as missing railings. - Expect standard industry restrictions for severely distressed properties, prior major losses, or significant unrepaired hazards, though Homesite does not list these in a public UW manual. Geographic notes: - Homesite is licensed and active in many states through multiple Homesite Insurance entities and via programs with national partners. However, public sources and consumer complaints indicate that Homesite may suspend new business or non‑renew in certain catastrophe‑exposed pockets (e.g., some high‑wildfire‑risk areas) in line with evolving risk appetite and state regulatory filings. - Producer/agency guidance by state (eligibility, moratoria, detailed UW rules) appears to be delivered behind a secure portal (agency solutions) rather than on open web pages. Submission and servicing: - Direct consumers and many partner‑sourced customers quote and bind online via Homesite’s main site or co‑branded flows. Small business customers use a separate small‑business portal that collects class and location information and issues COIs immediately if they qualify. - Agents/producers that place Homesite business typically do so via partner platforms (e.g., Progressive, GEICO, or private‐label programs) or via a secure Homesite agency portal; no open producer submission checklist or appetite brochure is published. Broker/producer notes: - Homesite is primarily a direct/embedded/partner distribution carrier rather than a traditional open‑broker market. Appetite and underwriting requirements are controlled program‑by‑program and delivered through login‑restricted systems. - For operational purposes, treat Homesite as a program carrier: confirm appetite, eligibility, and any state‑specific restrictions within the partner or agency portal at point of quote, and do not assume availability in high‑cat or distressed geographies without checking current rules. Workers Comp: - No evidence of a Homesite‑branded workers’ compensation product on current official sites. Treat workers compensation as not offered by Homesite unless placed through a separate market/program.