Kentucky National Insurance Company
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
Jurisdiction & distribution: - Homeowners program filed for Kentucky only; business written via appointed/contracted independent agents. Brokered business is not acceptable and is considered a violation of the Agent–Company agreement. All business must originate from persons licensed for the agency by the company. ([www3.ambest.com](https://www3.ambest.com/completefilings/KY_05_2011_601300_584481.pdf)) Submission & binding: - Agents may bind only risks that meet manual underwriting requirements and only up to stated program limits; non‑qualifying risks must be submitted unbound per Rule 5 (referenced in manual). - Applications or binders must be uploaded/submitted to the company no later than the 4th business day after inception of coverage. ([www3.ambest.com](https://www3.ambest.com/completefilings/KY_05_2011_601300_584481.pdf)) Target / preferred homeowner risks ("Blue Ribbon," "Medalist," "Vantage" programs): - Applicant/insured profile: - Demonstrated personal stability in employment, personal and financial affairs. - Occupation and lifestyle do not increase exposure to loss. - Favorable prior insurance history with an established good loss record. - Evident pride of ownership in the home. - Personally known and recommended by the producing contracted agent or an agency employee. ([www3.ambest.com](https://www3.ambest.com/completefilings/KY_05_2011_601300_584481.pdf)) - Property profile: - Homes reflecting pride of ownership with good maintenance and upkeep. - Located in stable or improving areas with favorable impact on market value. - Building features should not present elevated expected property or liability loss frequency or severity. - Homes are not over‑valued relative to their neighborhoods. - Owner‑occupied private residences used for residential purposes only (no business conducted on premises) and meeting all eligibility requirements in the Kentucky National Homeowners Manual. ([www3.ambest.com](https://www3.ambest.com/completefilings/KY_05_2011_601300_584481.pdf)) Program structure / coverage ranges (illustrative from filed manual): - Programs identified as Blue Ribbon, Medalist, and Vantage with differing Coverage A, Coverage C and Medical Payments ranges; all require minimum deductibles (commonly $500) and use ISO HO forms (e.g., HO 00 03, HO 00 04, HO 00 08) as specified in the manual. - Heating: central heat required for Blue Ribbon and Medalist; Vantage allows central or floor furnace. - Wiring: circuit breakers required for all three programs. - Roof: acceptable materials include asphalt shingles, tile, wood shake shingle, slate, and standing‑seam metal. Rolled roofing is specifically unacceptable. ([www3.ambest.com](https://www3.ambest.com/completefilings/KY_05_2011_601300_584481.pdf)) Additional basic underwriting expectations (from manual snippet and general manual context): - House must be used for private residential living with no business conducted on premises. - Property must meet age/condition and system‑update requirements as detailed in the full Homeowners Manual (e.g., for older homes, updates to roof, heating, plumbing, and electrical are expected; details are in the restricted PDF excerpted by the state filing system). ([www3.ambest.com](https://www3.ambest.com/completefilings/KY_05_2011_601300_584481.pdf)) Restricted / declined characteristics (operational inferences from filed rules): - Brokered business is declined. - Homes failing program criteria for heating (non‑central systems where central is required), wiring (no circuit breakers), or roof (rolled roofing) are ineligible for the standard programs and cannot be bound; they must be submitted unbound for any possible exception consideration. - Homes with business use, properties in unstable or deteriorating areas, over‑valued dwellings, or risks lacking pride of ownership/maintenance are outside appetite for the Blue Ribbon/Medalist/Vantage programs and should not be bound. Broker / producer notes: - Producer must be directly contracted with Kentucky National; emphasize personal knowledge of and recommendation for the insured where possible, as this is explicitly listed as a sought‑after attribute. - Ensure that the bound program (Blue Ribbon vs. Medalist vs. Vantage) matches dwelling characteristics (coverage amounts, heating, wiring, roof materials) and that submissions are uploaded within four business days of binding. - For any risk that does not cleanly fit manual criteria (including marginal property condition or questionable occupancy/use), submit unbound with full underwriting details instead of binding authority use. Operational use notes: - This guidance is based on the currently accessible Kentucky Homeowners Manual pages filed with the Kentucky Department of Insurance; agents should consult the latest version distributed via Kentucky National’s agent portal or current manuals, as the SERFF/AMBEST copy reflects the program as of 2011 and may have been updated internally since.