Louisiana Citizens Prop Ins Corp
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
Louisiana Citizens Property Insurance Corporation (Louisiana Citizens) functions as the state’s residual market/insurer of last resort for property risks that cannot obtain coverage in the voluntary market. It operates FAIR and Coastal Plans for personal and commercial property. PREFERRED / TARGET RISKS - Properties that have been declined, non‑renewed, or unable to obtain coverage in the admitted market after good‑faith effort, but are otherwise insurable under Louisiana Citizens’ written underwriting guidelines. - Risks meeting basic habitability and maintenance standards (sound structure, acceptable roof and utilities, no severe unrepaired damage) and located within eligible FAIR or Coastal Plan territories. RESTRICTED / DECLINED CLASSES (HIGH‑LEVEL) - Producers may not bind "uninsurable" risks; binding authority is contingent on strict adherence to Louisiana Citizens’ written underwriting guidelines. The governing board may withdraw binding authority for producers who fail to follow these guidelines. ([law.cornell.edu](https://www.law.cornell.edu/regulations/louisiana/title-37/part-XIII/chapter-121?utm_source=openai)) - Regulation Number 87 (Chapter 121) establishes specific underwriting requirements and producer binding requirements; non‑compliant submissions (e.g., outside eligibility criteria, missing required information, failure to meet risk standards) are subject to rejection or loss of binding authority. ([law.cornell.edu](https://www.law.cornell.edu/regulations/louisiana/title-37/part-XIII/chapter-121?utm_source=openai)) - As an insurer of last resort, Louisiana Citizens is not intended for risks that can reasonably be placed in the private market; producers and applicants are expected to seek private coverage first. GEOGRAPHIC NOTES - Louisiana Citizens writes eligible property risks across Louisiana via its FAIR and Coastal Plans (including coastal parishes where private capacity is limited). ([legiscan.com](https://legiscan.com/LA/text/HB595/id/594973/Louisiana-2012-HB595-Introduced.pdf?utm_source=openai)) - Plans are structured to provide market of last resort coverage in both inland and coastal areas; specific territorial definitions and rating territories are administered by the corporation and communicated via rate filings and plan documentation. ([lacitizens.com](https://www.lacitizens.com/AboutUs/rates?utm_source=openai)) PRODUCER / BROKER AND BINDING REQUIREMENTS - Only qualified, licensed Louisiana property & casualty producers may obtain binding authority for Louisiana Citizens; producers must carry adequate E&O insurance and complete a Louisiana Citizens training course to be certified for binding. ([law.cornell.edu](https://www.law.cornell.edu/regulations/louisiana/title-37/part-XIII/chapter-121?utm_source=openai)) - The governing board establishes criteria and an application process to certify producers for binding authority on FAIR and Coastal Plans. Binding authority may be withdrawn if the producer fails to follow written underwriting guidelines. ([law.cornell.edu](https://www.law.cornell.edu/regulations/louisiana/title-37/part-XIII/chapter-121?utm_source=openai)) - Producer binding requirements, including underwriting standards, are codified in Louisiana Regulation Number 87, Chapter 121, Underwriting Requirements. Producers must consult these rules and Louisiana Citizens’ written guidelines when quoting and binding coverage. ([law.cornell.edu](https://www.law.cornell.edu/regulations/louisiana/title-37/part-XIII/chapter-121?utm_source=openai)) - New agencies seeking access to Louisiana Citizens products must apply through the Producers (Agents) portal; once approved they receive a Louisiana Citizens producer code and login credentials before submitting or binding business. ([lacitizens.com](https://www.lacitizens.com/agents?utm_source=openai)) SUBMISSION / OPERATIONAL NOTES - Producers act as the point of sale; they are required to follow Louisiana Citizens’ written underwriting criteria, submit complete and accurate applications, and use corporation systems and processes as directed in producer materials (available through the producer portal). ([law.cornell.edu](https://www.law.cornell.edu/regulations/louisiana/title-37/part-XIII/chapter-121?utm_source=openai)) - Rate level changes and program adjustments (personal and commercial) are communicated via official rate change notices on the Louisiana Citizens site; producers should confirm current effective dates and forms before quoting or binding. ([lacitizens.com](https://www.lacitizens.com/AboutUs/rates?utm_source=openai)) - As a residual market writer, Louisiana Citizens expects producers to document that coverage in the voluntary market is unavailable or not reasonably obtainable prior to placement with Citizens. PRACTICAL TAKEAWAYS FOR UNDERWRITERS / BROKERS - Treat Louisiana Citizens as a true market of last resort for Louisiana property (personal and commercial) in both FAIR and Coastal territories. - Ensure your agency is certified with proper E&O and training, and maintain adherence to Regulation 87 Chapter 121 Underwriting Requirements to preserve binding authority. - Screen out clearly uninsurable or non‑compliant risks up front; incomplete or non‑eligible submissions risk declination and potential binding authority issues. - Monitor Louisiana Citizens’ rate and program notices and use the producer portal for the latest operational instructions, forms, and any specific class or geographic restrictions beyond the regulatory framework summarized here.