XpressHomeowners - Specialty Homeowners

Offered by Appalachian Underwriters, Inc.

Vacant Homeowners HO3 Coastal Tenant Rental Properties Lapse In Coverage Prior Claims Short-term Rental No Prior


Appalachian is pleased to announce our next generation “Xpress” Quote and Issuance Platform for complicated residential property insurance needs throughout the Midwest, Southeast and coastal areas of the US. Appalachian's proprietary platform brings agents a full spectrum of property solutions with multiple participating carriers depending on the location and values requested. The program is backed by multiple Lloyd's syndicates, while offering; highly competitive pricing, multiple premium credits, Coverage A values from $10,000 ACV to Full Replacement Cost for $4MM values on referral. We are aggressively adding new products and carriers to make this the most efficient and broad offering available in the marketplace.

NEW: Low Value HO8 & DP1 program live in FL, GA, IL, MO, NC, SC & TN

State Availability:
  • Serving - Tier 1 & Inland Territories for DP1 & HO8 (Brit Global Specialty US) in FL, GA, IL, MO, NC, SC & TN
  • Serving - Tier 2 & Inland Territories for HO3 (Liberty Surplus Insurance Company) in AL, AR, GA, IL, MO, MS, NC, SC, TN & TX
  • Serving - Tier 1 Territories for HO3 (Icat Managers, LLC) in AL, FL*, LA, MS, NC, SC & TX
    • *Monroe county FL is closed
    • GA & VA will be available by end of 1st qtr 2018
Online Rating and Quoting:
  • Returning Login
  • Quote Indication in Minutes: Submit Online to Underwriter for Bindable Terms
  • Faster Turnaround (in by 2 and out by 5 Same Day for Binds)
  • Commission is 12% for New Business and Renewal - seeking rollover opportunities @ 15%
  • Ability to issue Binder to afford 30 days to collect and submit money, no minimum earned premiums on binder
  • Coverage A from $100k to $4MM TIV
  • Primary, Secondary & Seasonal (as HO3), and Vacancy allowed (No Rental Exposures)
  • AOP & Wind/Hail Deductibles of $1,000, $2,500 & $5,000
  • Writing Tier 2 & Inland with the ability to Write Tier 1 in GA, SC, & NC as long as 3 Miles off Waterways and Coast
  • Up to 3 losses within the last 3 years. No Severity Restrictions
  • PC 1-8
  • No Age of Home Restrictions
  • LLCs and Trusts Accepted
  • Bankruptcy Allowed
  • Cancelled, Declined and Non-Renewal All Eligible
  • No distance to coast restrictions
  • Coverage A from $100k to $2 Million
  • Primary, Secondary & Seasonal (as HO3), and Tennant Occupancies (HO3T)
  • AOP Deductibles of $1,000, $2,500 & $5,000
  • Wind/Hail coverage matches AOP Deductible
  • Separate Named Storm Deductible (2% Available)
  • Up to 2 losses within the last 3 years, total not to exceed $20,000
  • PC 1-8
  • 1945 and newer homes
  • Cancelled, Declined and Non-Renewal All Eligible
  • LLCs and Trusts Accepted
  • No Bankruptcy


$2M Maximum Premium

$100K Minimum Premium

Has Pen

Carrier Information

Multiple "A" Rated Carriers


Listing Contact

Tagge Stroom Director of Personal Lines

Offered By

Appalachian Underwriters, Inc.

10 listings in 50 states + DC

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Availability 12 states

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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