Direct Access Markets
1-800-485-0229
Modern Homeowners Insurance for Today's Market
AmSuisse has partnered with MSI to give agents a modern homeowners solution that competes head-to-head on price while offering flexibility beyond traditional admitted constraints.
Through both its Mainstreet and Affluent programs, MSI provides E&S homeowners coverage across a broad range of home risks, including competitive Tier 1 pricing alongside the flexibility needed for coastal and complex properties.
What MSI Offers Independent 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)
MAINSTREET | E&S Homeowners
Program Overview
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 from $150K COV-A to $750K TIV
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Risks needing a practical E&S solution without excessive complexity
KEY CHARACTERISTICS
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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
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
AFFLUENT | Homeowners
Program Overview
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 from $300K COV-A 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 write MSI 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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