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
Agraria Insurance Company is a regional P&C carrier writing in North Dakota, South Dakota, and Utah only; business must be located in these states to be eligible.([agraria.com](https://agraria.com/find-an-agent/?utm_source=openai)) Policies are distributed through contracted local agents (via FUSA / Farmers Union Insurance branding in the Dakotas), and prospects are directed to obtain coverage through the agent locator or quote-request form; no direct-to-carrier binding is offered from the public site.([agraria.com](https://agraria.com/find-an-agent/?utm_source=openai)) PREFERRED / TARGET BUSINESS (INFERRED FROM PRODUCT SUITE) • Owner-occupied homes and standard renters risks in ND/SD/UT, including typical one- to two-family dwellings with a focus on middle-market personal lines. Homeowners coverage emphasizes replacement-cost protection on the dwelling, other structures, and contents, and offers up to $1M personal liability, suggesting appetite for standard personal lines rather than high-net-worth or coastal/cat-exposed property.([agraria.com](https://agraria.com/homeowners-insurance-coverage/?utm_source=openai)) • Tenant-occupied risks for renters with modest liability limits (up to $25,000) are offered, indicating comfort with lower-severity habitational tenants but not necessarily large or complex multi-family schedules.([agraria.com](https://agraria.com/homeowners-insurance-coverage/?utm_source=openai)) • Farm and ranch owner-operators with typical agricultural exposures (farm dwellings, outbuildings, machinery, livestock, grain, and scheduled farm personal property) in the three-state territory. Coverage is designed for working farms with standard perils (fire, wind/hail, theft, vandalism, overturn/collision) rather than highly specialized agribusiness operations.([agraria.com](https://agraria.com/farm-ranch-owners/?utm_source=openai)) • Small commercial accounts (details not listed on site) appear to be part of the portfolio, likely community-based businesses aligned with Farmers Union markets in rural and small-town communities. • Personal watercraft and related personal lines exposures (e.g., watercraft liability) are supported and can be further extended by the Farm & Ranch Umbrella, which overlays auto, homeowners, watercraft, RV, motorcycle, and secondary/rental dwellings.([agraria.com](https://agraria.com/farm-ranch-umbrella/?utm_source=openai)) RESTRICTED / DECLINED (INFERRED – NOT FORMALLY LISTED) • Risks outside ND, SD, and UT are out of appetite; website explicitly states the company ‘currently writes business’ only in these states.([agraria.com](https://agraria.com/find-an-agent/?utm_source=openai)) • The public materials do not show appetite for high-hazard coastal CAT, high-rise urban habitational, or large industrial/commercial accounts; producers should treat these as likely out-of-scope unless specifically cleared with underwriting. • No explicit watercraft or umbrella exclusions are listed online, but coverages are presented as personal-lines attachments, suggesting that commercial marine, long-haul trucking, or specialty liability are not intended targets. GEOGRAPHIC & MEMBERSHIP NOTES • Geographic footprint is limited to North Dakota, South Dakota, and Utah; agency appointments and agent locator tools focus on these states.([agraria.com](https://agraria.com/find-an-agent/?utm_source=openai)) • Agraria’s policyholders are members of North Dakota Farmers Union, South Dakota Farmers Union, or Utah Farmers Union depending on their home state. This implies a natural focus on rural and agricultural communities and may be a practical eligibility consideration when writing new business.([agraria.com](https://agraria.com/about-us/?utm_source=openai)) SUBMISSION & UNDERWRITING WORKFLOW (PRODUCER PRACTICALS – PUBLIC INFO ONLY) • New business is funneled through local contracted agents: prospects are directed to ‘Find an Agent’ or use the ‘Request a Quote’ form, which then routes to an agent; the site notes that no coverage is bound by a quote request. Producers should treat online quote forms as referral generators, not binding instruments.([agraria.com](https://agraria.com/request-a-quote/?utm_source=openai)) • Claims, contact, and login pages confirm that existing policy servicing is managed via agents and policyholder portals; underwriting engagement for complex risks is likely handled internally through those agents and not through public channels.([agraria.com](https://agraria.com/?utm_source=openai)) • No formal, publicly posted underwriting manual, risk appetite guide, or broker submission checklist could be located on agraria.com; any detailed eligibility rules, inspection thresholds, or minimum-premium requirements will be found in agent-only portals or internal bulletins. BROKER / PRODUCER NOTES (INFERRED) • Agraria distributes primarily via FUSA / Farmers Union Insurance, suggesting a semi-exclusive regional agency model. Agents writing with Agraria should coordinate closely with their FUSA marketing or underwriting contacts to confirm appetite for non-standard or borderline risks.([agraria.com](https://agraria.com/about-us/?utm_source=openai)) • Because the public materials stress replacement-cost and standard personal/farm coverages, producers should pre-screen for basic property condition, maintenance, and typical farm operations, and expect tighter scrutiny on unusual or high-hazard exposures (e.g., custom farming for others, large boarding operations, or high-value dwellings and agribusiness properties). Overall, Agraria positions itself as a regional personal lines, farm/ranch, and small commercial carrier for ND/SD/UT, accessed via local Farmers Union-aligned agents, with detailed underwriting rules held behind the agent login rather than on public appetite pages.