Stillwater has updated its underwriting guidelines for its Texas Homeowners Insurance Program, introducing a range of changes that tighten eligibility criteria and clarify risk assessment standards.

The revised guidelines emphasize that acceptable risks must now be evaluated based on both the construction and maintenance of the residence. Specifically, homes with damaged or broken doors or windows are now considered ineligible. For tenant-occupied residences, Stillwater has introduced new rules addressing rent payments, habitability concerns, and occupancy disputes, reflecting a more detailed approach to rental property risks.

Binding authority is also more restricted under the new rules. Agents are no longer permitted to bind coverage on properties that violate underwriting guidelines unless prior approval is obtained. In addition, binding may be suspended during periods of imminent natural disasters such as earthquakes, wildfires, hurricanes, or floods.

The insurer has also added criteria related to electrical systems. Properties featuring outdated or hazardous systems—including knob-and-tube wiring, aluminum wiring, or specific breaker boxes—are considered ineligible unless a professional inspection confirms the system’s safety and adequacy.

Animal-related exclusions have been updated as well. Certain dog breeds classified as aggressive now make a home ineligible for coverage unless the animal is a verified service dog. Finally, Stillwater has narrowed the list of acceptable additional insureds, limiting this designation to contractors, co-owners, and associations.

These changes reflect a broader effort by Stillwater to tighten underwriting standards and improve risk selection within its Texas Homeowners portfolio.