Designed for the
Realities of the Road
Insurance House has focused on Private Passenger Auto since its founding in 1964. We specialize in serving drivers with prior violations, lapses, or unique insurance needs. As a Managing General Agency, our approach gives independent agents access to a broad spectrum of nonstandard auto solutions with fast, responsive service.
- Broad eligibility for hard-to-place risks
- Discounts available where applicable
- Real-time quote and bind
- Claims handled quickly and professionally
Digital Edge Policy: Quoting at Your Speed
Digital Edge Policy (DEP) is our proprietary platform designed to streamline quoting and binding. Independent agents can rate, quote and bind business instantly with no unnecessary delays.
- Instant rate indications
- Streamlined entry and minimal fields
- Bind directly from the platform
Service That Stays With You
Our teams don’t disappear after the sale. Whether you need help quoting, binding, or managing a claim, our regional experts are always a call or email away. We invest in agent success at every stage.
How We Underwrite
Our underwriting team works to find solutions—not roadblocks. We take a flexible, common-sense approach to risk evaluation, with programs designed to accommodate:
- Drivers with prior violations or claims
- Lapses in prior insurance coverage
- SR-22 filings and financial responsibility requirements
- Liability only coverage
- Foreign Operators
- Older vehicles
Real Coverage for Real Scenarios
Here’s how our PPA coverage helps agents in the field:
- A client with multiple speeding tickets needed minimum limits fast—quoted and bound in minutes with IH Express.
- A new driver with no prior coverage history was placed quickly thanks to broad eligibility guidelines.
- An insured relocating from out-of-state received continuous support during underwriting and policy transfer.
Helpful Resources
Need a quick reference? View our Private Passenger Auto Program highlights:
Download the PPA Product Overview PDF
Grow Your PPA Book With Confidence
Agents choose Insurance House because we don’t just offer coverage. We offer a way forward. With access to top carriers, smart quoting tools, and unmatched agent support, we help you serve more customers, more efficiently.
