Direct Access Markets
1-800-485-0229
Modern E&S protection for homes the admitted market can't place
AmSuisse has partnered with MSI to Texas agents a streamlined E&S Homeowners solution for properties the admitted market won't take.
AmSuisse has partnered with MSI to deliver Texas agents a streamlined E&S Homeowners solution for properties the admitted market won’t take. With two programs - Mainstreet and Affluent - MSI combines fast quoting, automated eligibility, integrated eSignatures, and consistent underwriting rules, giving agents confidence to place challenging Texas home risks without friction.
What MSI Offers Texas Agents
MSI provides flexible HO-3 E&S Homeowners coverage through two distinct programs designed for different types of Texas homes. Both Mainstreet and Affluent operate on MSI’s VIP platform, offering a consistent workflow while giving agents the flexibility to place a wide range of property risks.
Mainstreet E&S Homeowners
Streamlined eligibility for everyday homes that don’t fit admitted guidelines
Affluent E&S Homeowners
Underwriting-driven placement for higher-value or more complex risks
Key Platform Benefits (Both Programs)
HO-3 E&S Homeowners written through Spinnaker Specialty & MS Transverse Specialty
Designed for homes declined by admitted markets due to condition, prior losses, roof age, or system age
Predictable underwriting powered by MSI’s VIP platform
Automated eligibility checks for roof age, systems, prior losses, and protection class
Flexible endorsements based on risk characteristics
Integrated eSign for applications & surplus lines forms (Trusts/LLCs require manual signatures)
Program Overview
MAINSTREET | E&S Homeowners
Designed for everyday homes that fall just outside admitted appetite.
BEST FIT
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Homes declined by admitted carriers due to age, condition, or prior losses
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Properties with older roofs or systems
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Primary, secondary, or rental homes (within guidelines)
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Homes up to $3M TIV
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Risks needing a practical E&S solution without excessive complexity
COMMON TRIGGERS FOR MAINSTREET
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Roof age outside admitted guidelines
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Partial system updates
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Mild to moderate prior losses
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Coverage lapses within allowable limits
KEY CHARACTERISTICS
-
HO-3 E&S Homeowners form
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Automated eligibility for roof age, systems, losses, and protection class
-
Flexible underwriting with consistent, predictable rules
-
Integrated eSign for applications & surplus lines forms
-
Endorsements available based on risk characteristics
Program Overview
AFFLUENT | Homeowners
Built for higher-value or more complex homes requiring underwriting review.
BEST FIT
-
Homes declined by admitted carriers due to age, condition, or prior losses
-
Properties with older roofs or systems
-
Primary, secondary, or rental homes (within guidelines)
-
Homes up to $3M TIV
-
Risks needing a practical E&S solution without excessive complexity
KEY CHARACTERISTICS
-
HO-3 E&S Homeowners form
-
Automated eligibility for roof age, systems, losses, and protection class
-
Flexible underwriting with consistent, predictable rules
-
Integrated eSign for applications & surplus lines forms
-
Endorsements available based on risk characteristics
COMMON TRIGGERS FOR MAINSTREET
-
Roof age outside admitted guidelines
-
Partial system updates
-
Mild to moderate prior losses
-
Coverage lapses within allowable limits
MSI’s Mainstreet and Affluent E&S Homeowners programs are supported by clear underwriting guidelines and a consistent submission workflow. Eligibility, coverage options, and documentation requirements vary by risk and program.
For detailed underwriting criteria, endorsements, or program fit questions, contact AmSuisse directly at 1-800-485-0229 or request access below
Program Details & Eligibility
MSI’s Mainstreet and Affluent E&S Homeowners programs are currently available to Independent Agents in Texas, Louisiana, Alabama, and Georgia.
Independent Agents, request access to Millennium Specialty Homeowners today!
Independent Agents, we've got markets!
Coastal Property
Hard to Place Risks
High Limit Flood
Admitted & Non-Admitted
International
Life
Surety Bonds
Commercial Auto
BOP
Disability / Critical Illness
Personal
Commercial
Home
Auto
Worker's Comp.
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