Wingsail Insurance Company, part of Spinnaker, filed a new homeowners program in Georgia with a requested effective date of July 1, 2026, for new business. The filing represents a market entry, with no rate impact or existing policyholders affected.

The program includes HO-3 and HO-6 coverage, with dwelling limits ranging from $40,000 to $1.5 million. Standard coverage includes personal liability starting at $100,000, medical payments at $1,000, and deductible options including percentage wind and hail deductibles. In coastal counties such as Chatham, Glynn, and Camden, a 2% wind and hail deductible is required.

Wingsail is introducing multiple pricing and underwriting levers, including credits for newly purchased and renovated homes, protective devices, Fortified Home certification, mature policyholders, and multi-policy placements. Tiering factors include claims history, home age, protection class, mortgage status, and other property characteristics.

The filing also incorporates a roofing materials payment schedule endorsement, lowering premiums by limiting roof-loss settlements on older roofs after wind or hail events. Optional coverages include matching for undamaged siding and roofing, along with endorsements tied to water leak detection systems such as FloLogic and other property protection measures.