Insurance House
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
Operational focus: - Insurance House operates as a managing general agency and wholesale broker specializing in personal lines, distributing exclusively through independent retail agents across the Southeast and Mid‑Atlantic, with an emphasis on specialty personal lines and access to multiple carrier partners including Southern General and other markets. Preferred / target business: - Standard to moderately complex personal auto, including standard and non‑standard risks where supported by carrier partners (details by state and carrier are handled within their agent portal rather than on the public site). - High value and specialty personal lines: high value automobiles/collectibles, high value homes, high value watercraft/yachts, valuable articles, and personal umbrella are highlighted as key offerings, signaling an appetite for higher‑net‑worth personal accounts when placed through appointed agents. - Mainstreet personal property: homeowners, rental/vacant dwellings and mobile or specialty dwellings, excess flood, motorcycle and off‑road vehicles, and personal watercraft are core programs listed on the Personal Lines products page, indicating broad appetite for routine personal P&C needs placed via agents. Restricted / declined classes (inferred from positioning): - The public site does not publish a granular list of prohibited classes or specific underwriting restrictions. Appetite and declinations are managed at program/carrier level inside the agent portal and via underwriter interaction. - As a specialty personal lines MGA, risks clearly outside personal lines (large commercial, heavy industrial, complex professional liability, etc.) are not target business and should not be directed here, especially since the commercial MGA operation was sold to Brown & Brown/Hull in 2017 and Insurance House now focuses on personal lines. Geographic notes: - Corporate footprint and historical descriptions show a concentration in the Southeast and Mid‑Atlantic (headquarters in Marietta, GA; historical operations GA/NC/MD). Retail agents in those regions are the primary distribution. Agents should confirm individual state availability and program participation within the IH agent portal before marketing or binding. Submission & workflow expectations for agents: - Business is written exclusively through licensed independent retail agents; there is no direct‑to‑consumer channel. Prospects must work through an appointed or participating agent. - Current agents access quoting, policy issuance, and service via the online Agent Login and associated technology tools. Submissions, rating and servicing are expected to run through these systems when supported; otherwise through standard agency–underwriter workflows. - Prospective agents must complete an onboarding process through the "GET STARTED" / IH agency onboarding link. The carrier emphasizes that they will provide online technology tools to allow agents to quote and service business at their convenience, plus access to customer service and personal‑lines experts for complex risks or line‑building discussions. Broker / producer notes: - Insurance House states its primary goal is to help agents grow their business, emphasizing strong relationships with appointed agents and providing resources (products, service, tech solutions) to support that growth. - They represent "the best insurance companies in the industry" and use those markets to offer a wide variety of specialty personal lines; agents should treat Insurance House as an MGA/wholesaler gateway to multiple personal‑lines carriers rather than a single‑company appointment. - Local, accessible underwriters and specialists are highlighted; agents are encouraged to consult them on complex risks or when expanding a line of business. - No binding authority or E&S‑style binding rules are detailed on the public site; agents should follow program‑specific rules and any binding guidelines available only after login. Practical use for front‑line staff: - Treat Insurance House as a go‑to MGA for personal auto and a broad suite of personal P&C coverages (especially high‑value and specialty personal risks) for accounts in the Southeast/Mid‑Atlantic, placed only through appointed independent agents. - For specific underwriting questions (driver eligibility, home age/roof, coastal or flood‑exposed property, toy vehicles, etc.), rely on program documentation and underwriting tools in the agent portal or contact their personal‑lines underwriters, as the public site intentionally keeps guidelines high‑level.