Specialty property placement, without the friction.

Give your clients more options for catastrophe-exposed homes, with homeowners, condominium, and private flood insurance available through a digital experience built for retail agents and agency teams.

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Know when to use Annex.

Here’s what we’re built for:

Homeowners Insurance

HO-3 homeowners and HO-6 condominium options for eligible coastal, inland wind- and hail-exposed, and moderately wildfire-exposed properties. A specialized offering is also available for homes with higher replacement costs.

Private Flood

Private residential flood coverage that can be quoted independently of the homeowners policy. No Annex homeowners policy is required.

Quote in minutes. Bind without the back-and-forth.

Digital quote-to-bind. Quote and bind eligible homeowners, condominium, and private flood policies in the Annex portal—without a separate submission package or manual underwriting referral.

No separate carrier appointments. Once your agency has access to Annex, you don’t need an appointment with each underlying carrier. Use the portal, supported raters, or your agency’s API integration.

Issue before inspection. Homeowners inspections are required, but eligible policies can be issued before the inspection is completed.

High Value Homeowners submissions require pre-bind underwriting approval.

See a policy quoted and bound.

Surplus lines, without the surplus-lines headache

Taxes and filings handled. Annex handles surplus lines taxes and filings, with applicable diligent-effort documentation built into the application process.

100% direct bill. Insured and lender billing options, plus premium financing, are available through the platform.

Four steps, start to finish

Enter the property details.

Start a quote in the Annex portal or through a supported integration.

Review the available quote.

Check coverage options, deductibles, and underwriting requirements.

Complete the application.

Confirm the application details, complete any required documentation, and select the billing arrangement.

Bind and receive policy documents.

Complete the digital binding process once applicable requirements are met.

Bring Annex into your team’s workflow.

Whether you’re placing your next risk or introducing Annex across an agency, we can help your team understand the appetite, access the platform, and get started with training and product guidance.