Maison 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
No current public, line‑of‑business‑level underwriting or appetite guide is published by Maison Insurance Company for producers. Available official and regulatory information supports only a high‑level operational view of their book and risk approach. Operational profile / appetite (high‑level): - Personal property writer focused on catastrophe‑exposed coastal markets, historically Texas and Louisiana, with admitted homeowners, manufactured home, wind/hail‑only, and dwelling fire programs. ([demotech.com](https://www.demotech.com/pdfs/fsr_attachments/misc/p_2018_02_14568_update.pdf?utm_source=openai)) - Underwriting philosophy described as “careful underwriting” with conservative investment and a strong catastrophe reinsurance program; Maison uses independent agents and a managing general agent (Maison Managers, Inc.) to distribute and underwrite business. ([demotech.com](https://www.demotech.com/pdfs/fsr_attachments/misc/p_2018_02_14568_update.pdf?utm_source=openai)) - As of FedNat’s 2022 announcements, the parent indicated plans to exit the Louisiana and Texas homeowners markets and run off Maison Insurance Company. This materially affects future new‑business appetite; any new submissions should be confirmed in real time with your MGA or state DOI as Maison may no longer be issuing new policies in some or all states. ([surpluslinereporter.com](https://www.surpluslinereporter.com/fednat-to-exit-market-run-off-subsidiary/?utm_source=openai)) Implications for preferred vs. restricted business (inferred): - Historically preferred: standard personal residential property risks (site‑built and manufactured homes) in LA and TX meeting coastal‑market norms for roof quality, updates, and loss history, with particular focus on wind/hail exposures backed by robust catastrophe reinsurance. ([demotech.com](https://www.demotech.com/pdfs/fsr_attachments/misc/p_2018_02_14568_update.pdf?utm_source=openai)) - Restricted / closely underwritten: higher‑hazard coastal wind or hurricane‑exposed properties, mobile/manufactured homes, properties assumed from Louisiana Citizens, and other catastrophe‑sensitive structures—typically written only where they fit Maison’s internal coastal underwriting and reinsurance criteria. ([contracts.justia.com](https://contracts.justia.com/companies/hg-holdings-inc-7178/contract/245704/?utm_source=openai)) - Declined (typical but not explicitly published): accounts failing carrier coastal standards for roof age/condition, prior losses, unrepaired damage, or construction/occupancy issues, in line with broader Gulf Coast property‑market tightening. This is inferred from market commentary, not from a Maison‑specific manual, and must be validated with the current program underwriter. Geographic notes: - Domiciled in Louisiana with historical operations in Louisiana and Texas for personal property lines and wind/hail programs. ([demotech.com](https://www.demotech.com/pdfs/fsr_attachments/misc/p_2018_02_14568_update.pdf?utm_source=openai)) - FedNat’s 2022 disclosure that it would exit LA and TX homeowners and run off Maison means appointed agents should treat Maison as closed or severely restricted for new business in those states unless their MGA confirms otherwise. Existing policies may be in runoff and subject to non‑renewal or replacement by other carriers or residual markets. ([surpluslinereporter.com](https://www.surpluslinereporter.com/fednat-to-exit-market-run-off-subsidiary/?utm_source=openai)) Submission & documentation expectations (from producer agreement language and standard practice; not a filed guide): - Producers are required to comply with all rules, regulations, underwriting guidelines, and instructions issued by Maison Managers and Maison Insurance Company, including administrative rules, underwriting rules, premium collection, and accounting procedures. ([lawinsider.com](https://www.lawinsider.com/clause/obligation-of-maison-managers-and-producer?utm_source=openai)) - Producers must retain original or imaged copies of all documents required by Maison Managers/Maison Insurance Company for at least five years from each policy’s expiration date (e.g., applications, photos, inspections, loss runs, supporting underwriting documentation). ([lawinsider.com](https://www.lawinsider.com/clause/obligation-of-maison-managers-and-producer?utm_source=openai)) - New and renewal submissions historically flowed through Maison Managers (the MGA) or designated independent agents; all binding authority and any exceptions are controlled by Maison’s internal underwriting rules, which are not public. Broker / producer instructions (high‑level): - Follow Maison Managers’ written underwriting rules and binding instructions exactly; producers have an affirmative contractual duty to adhere to these guidelines and to maintain complete files for audit and E&O protection. ([lawinsider.com](https://www.lawinsider.com/clause/obligation-of-maison-managers-and-producer?utm_source=openai)) - Do not assume new‑business availability in Louisiana or Texas. Confirm with the MGA or state DOI whether Maison is still writing, is in runoff, or has fully exited, before quoting or binding any risk. Important limitation for ops use: - There is no publicly available Maison homeowners underwriting manual, eligibility guide, or appetite brochure. All detailed risk criteria (roof age limits, coastal distance, prior‑loss thresholds, construction requirements, dog‑breed or liability restrictions, etc.) are internal and accessible only through the agent/MGA portal or direct underwriter communications. - Treat this summary as a structural overview of Maison’s historic book and current runoff status—not as a substitute for carrier‑filed guidelines. For any placement decisions, obtain the current Maison (or successor program) guide from your MGA, rating platform, or underwriting contact before binding.