Where to find The Underwriter NPC in Fortnite

Underwriter NPC in Fortnite
The Underwriter NPC in Fortnite is an old face from past chapters (Image via Epic Games)

The Underwriter NPC in Fortnite is a beloved character that has made its return in Chapter 5 Season 3. Non-playable entities are a major part of every map update, and NPCs provide weapons, resources, and services. The latest season has many such characters that players have grown to love and depend on.

The ongoing season has introduced 20 new NPCs, but The Underwriter is a familiar face. Here's where to find him in Chapter 5 Season 3.


The Underwriter NPC in Fortnite is located in an interesting area

Location of The Underwriter NPC in Fortnite

You can find The Underwriter NPC in this location (Image via Epic Games)
You can find The Underwriter NPC in this location (Image via Epic Games)

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The Underwriter is on the Western edge of the Fortnite Chapter 5 Season 3 map, in the area circled above. You can find The Underwriter roaming around the Beach Houses landmark.

The NPC can also be inside the houses. Look out for the text box icon on the map to pinpoint the exact location of the Underwriter and speak to him.


What does The Underwriter NPC in Fortnite sell?

You can purchase three services from the NPC (Image via Epic Games)
You can purchase three services from the NPC (Image via Epic Games)

The Underwriter, like all NPCs, has services that you can purchase for Gold. Here's what he offers:

  • Receive a patch-up for 100 Gold
  • Get a Storm Cloud/Zone hint for 200 Gold
  • Purchase a Combat Shotgun for 300 Gold

You cannot recruit The Underwriter NPC or hire him as a follower. You can only purchase the services listed above and interact with the NPC to ask him questions regarding this season's map.

Most of The Underwriter's dialogues revolve around insurance and concerns over the player's lack of it. He is a very popular character in the Fortnite universe, and players love his lines.


Who is The Underwriter in Fortnite?

The Underwriter is Fortnite's best insurance agent (Image via Epic Games)
The Underwriter is Fortnite's best insurance agent (Image via Epic Games)

The Underwriter was first introduced to Fortnite in Chapter 3 Season 3 and could be located at the No Sweat Insurance Building in Tilted Tower. He is essentially an insurance agent whose sole job is to get players and other characters insured.

The Underwriter also has some special reactions and dialogue lines when players wear the Ringmaster Scarr, Peabody, Hope, and Agent Jones outfits in Fortnite Chapter 5 Season 3.


The Underwriter is a familiar face seen in past Chapters, and his return aligns with the presence of the Rift Beacons on the map, hinting at a blast from the past.

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Edited by Soumyadyuti Ghosh
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