Who insures it · 6 named markets · read 2026-10-28

Who insures coastal and wind-exposed homes?

Coastal and wind-exposed homes is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write coastal and wind-exposed homes: SageSure, Slide Insurance, Lilypad Insurance (formerly Centauri), Palomar (Residential Hurricane), Cabrillo Coastal General Insurance Agency and others. 3 admitted carriers, 2 MGAs, 1 wholesaler.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
SageSure MGA	Catastrophe-exposed residential property on behalf of carrier partners; page describes SageSure as a managing general underwriter serving 16 coastal states “A leader in catastrophe-exposed property insurance and one of the largest residential property insurance MGU in the US”	16 coastal states (homeowners pages list AL, AK, CA, CT, FL, LA, MA, MS, NJ, NY, NC, SC, TX, VA)	not stated	sagesure.com · read 2026-10-28
Slide Insurance Admitted carrier	Homeowners for coastal homeowners; page calls Slide one of the largest coastal insurance companies in the country; in California written by Slide Specialty Insurance Company as a surplus lines insurer “Behind our name is a commitment to making it easier for coastal homeowners to secure the right coverage”	FL, SC, CA, RI, TX, NY, NJ (agent network in Florida and South Carolina)	not stated	slideinsurance.com · read 2026-10-28
Lilypad Insurance (formerly Centauri) Admitted carrier	Coastal home and commercial coverage for homeowners facing hurricane and climate risk; carriers Lilypad National Insurance Company (LA) and Centauri Specialty Insurance Company; serviced by MGA Arbol National Insurance Managers “a strong commitment to homeowners facing heightened hurricane and climate risks,”	AL, FL, HI, LA, MS, NC, SC, TX	not stated	lilypadins.com · read 2026-10-28
Palomar (Residential Hurricane) Admitted carrier	Stand-alone residential hurricane program for homeowners, rental dwellings and condo unit-owners in Hawaii with no coastal restrictions; available through Laulima Exchange, Palomar Excess and Surplus Insurance Company and Palomar Specialty Insurance Company “Stand-alone residential hurricane program for use with homeowners, rental dwellings, and condo unit-owners”	Hawaii	not stated	plmr.com · read 2026-10-28
Cabrillo Coastal General Insurance Agency MGA	Personal and commercial residential property insurance for catastrophe-exposed coastal areas; page describes the company as a general insurance agency specializing in catastrophe-exposed areas “We Don't Just Insure Coastal Risk - We Live It”	AL, CA, DE, FL, MS, NJ, NY, NC, RI, SC, TX (map marks available vs coming soon)	not stated	cabgen.com · read 2026-10-28
Burns & Wilcox Wholesaler	Homeowners with coastal and brush exposures; monoline wind coverage listed under Specialty Property “Coastal and Brush Exposures”	not stated	not stated	burnsandwilcox.com · read 2026-10-28

Also verified but not listed (cap of 6): Security First Insurance (Florida admitted carrier) whose homepage says its policy is 'designed to protect you from life's unexpected challenges, including hurricanes, fires, and theft' (securityfirstflorida.com). Frontline and Orion180 returned 403; Universal Property, Kin, Heritage, Tower Hill and Florida Peninsula pages have no coastal/wind coverage sentence; americanintegrity.com redirected off-site; westoninsurance.com is a parked domain. Prime Insurance Company's TRU Homeowners page (non-admitted, all 50 states) also names coastal homeowners and w

How coastal and wind-exposed homes gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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