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, or producer/broker submission guide was found on the verified Agraria website. Current official public guidance indicates Agraria writes business in North Dakota, South Dakota, and Utah only, and distributes through agents, with quote requests and agent locator functionality rather than a published broker appetite manual. Public-facing product pages show a strong orientation toward homeowners/renters, dwelling, farmowners/ranchers, commercial, farm & ranch umbrella, and personal watercraft. Preferred business appears to center on personal and farm/ranch risks within its footprint, especially homeowner, dwelling rental property, farm/ranch property, and personal watercraft accounts. For dwelling risks, the public page highlights rental dwellings, other structures, premises liability up to $1 million, and optional coverages such as sewer backup, refrigerated property, property in storage, farm building, and farm machinery; optional liability extensions include business pursuits for certain types of business, additional residences, personal injury, and low-power vehicle coverage. For farm/ranch risks, Agraria publicly emphasizes farm dwellings, barns/outbuildings, machinery/implements, livestock, harvested crops/grain, and scheduled farm personal property, with policy features such as limited automatic coverage for borrowed or newly purchased machinery, buildings under construction, pollution cleanup, and operating expense provisions. Geographic notes are clear: Agraria currently writes business only in ND, SD, and UT, and in North Dakota it does business as Farmers Union Insurance. Submission expectations on the public site are basic: prospects are directed to request a quote, contact the company, or work through a local agent; no public underwriting checklist, supplemental application package, target premiums, binding authority, or broker appointment instructions were found. Broker/producer notes available publicly are limited, but the site states business is marketed through its exclusive general agency structure and agent network rather than through a public open broker submission portal. Restricted or declined classes are not specifically published on the verified public pages reviewed, so no class-level declination list could be confirmed.