An insurance agent without an appointment from a Homeowners insurance carrier can:

The correct answer, which states that an insurance agent without an appointment from a Homeowners insurance carrier cannot legally write Homeowners insurance, highlights the importance of proper appointments in the insurance industry.

In Florida, insurance agents must be appointed by an insurance carrier in order to sell their products. This requirement ensures that agents are authorized to represent the carrier and are compliant with the legal and regulatory frameworks governing insurance practices. An appointment establishes a formal relationship between the carrier and the agent, which is crucial for accountability and regulatory oversight. Without this appointment, the agent does not have the legal authority to transact business on behalf of the Homeowners insurance carrier, thus making it illegal for them to write such policies.

The other options suggest alternative scenarios where it appears an unappointed agent could still engage in selling Homeowners insurance, but these do not align with the legal requirements set forth by Florida's insurance regulations.