Selective filed updated underwriting guidelines for its tenant homeowners business in Arizona, with changes set to take effect on April 8, 2026, for new and renewal business.

The filing says the update is tied to an amended business strategy and introduces three notable changes to the carrier’s countrywide guidelines. Selective now requires residences to be built on a solid or continuous foundation rather than on pilings, posts, or stilts. It is also adding a requirement that ground up construction or major renovations include a water sensor with leak detection and a permanently installed automatic water shutoff. In addition, risks with adverse water risk scores are now listed as unacceptable exposures.

The updated guidelines continue to apply broader eligibility rules around property condition, loss history, prior insurance, wildfire restrictions, and water related protections, but the filing’s redlined changes center on tighter standards for foundation type, renovation related water loss mitigation, and water risk screening.