Agraria Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No dedicated public underwriting, appetite, broker submission, or producer guideline page was verified on the official site. Current published guidance indicates Agraria Insurance Company writes personal and farm-oriented property/casualty business and markets through Farmers Union Service Association (FUSA), its exclusive general agency, with business focus in North Dakota, South Dakota, and Utah. Public product pages show preferred business includes homeowners, renters, dwelling, farm/ranch owners, personal watercraft, and umbrella-style excess tied to underlying personal lines or farm risks. Homeowners highlights suggest an owner-occupied personal lines appetite with replacement cost on dwellings, replacement cost available on most roofing types, liability limits up to $1 million, and optional endorsements such as sewer backup, scheduled property, additional residence, certain business pursuits, home day care, and recreational vehicle coverage. Farm/ranch materials point to appetite for typical farm operations needing coverage for farm dwellings, outbuildings, machinery/implements, livestock, grain, feed, seed, hay, and portable structures. Commercial guidance is limited but explicitly states Agraria only offers commercial insurance to those located within North Dakota; for broader commercial placements, Farmers Union Insurance agents can access numerous commercial carriers, implying some commercial risks may be placed outside the core carrier through agency markets. Geographic notes: overall company footprint is North Dakota, South Dakota, and Utah, with North Dakota business also branded as Farmers Union Insurance; commercial is specifically restricted on the public site to North Dakota. No explicit public decline list, prohibited classes, coastal/wildfire/watercraft horsepower restrictions, or submission checklists were found. Submission/producer notes publicly available are limited to Request a Quote, Find an Agent, Manage Policy, and Agent Login functions; the site states products are marketed through FUSA and local agents, so business appears intended to be submitted through appointed/local agents rather than through a public direct broker appetite portal. Broker/producer takeaway: treat this as an agent-distributed regional carrier with strongest visible appetite for personal home, farm/ranch, and related rural exposures in its three-state footprint, and obtain class-specific underwriting direction through agent login or direct carrier/marketing office contact because no public appetite manual or underwriting bulletin was verified.