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 formal public-facing underwriting or appetite guide is published by Agraria Insurance Company as of March 24, 2026. The following is inferred from product and corporate materials and should be treated as directional only; rely on current internal guides and filings for binding. PREFERRED / TARGET BUSINESS - Geography: Core footprint in North Dakota, South Dakota, and Utah, written via local independent agents. Expect strongest appetite in small towns and rural/agricultural communities within these states, including accounts tied to farm and ranch operations. - Personal lines: Standard to preferred-homeowner risks (owner-occupied 1–2 family dwellings) with solid maintenance, normal loss history, and compliance with local building codes. Appetite to include incidental agricultural exposures (outbuildings, hobby farms, small livestock, etc.) where properly maintained. - Farm & ranch: Family farms and ranches with traditional row crops or livestock, good maintenance, and straightforward equipment schedules. Agrarian and agricultural structures appear to be a focus. - Watercraft/boat: Typical personal-use boats and small watercraft, written as part of a personal account that includes home/farm where available via comparative raters. - Commercial: Small commercial property/package risks aligned with rural communities (e.g., ag-support businesses, small retail, professional offices) with stable operations and modest catastrophe exposure. RESTRICTED OR DECLINED CLASSES (INFERRED) - Out-of-territory risks: Risks predominantly outside ND/SD/UT are unlikely to be targeted and may be declined or written only via reinsured farm mutual relationships. - High-hazard property: Poorly maintained dwellings, significant prior fire or liability losses, vacant or unoccupied dwellings, or properties with major unrepaired damage are likely outside appetite. - Non-standard watercraft: High-performance boats, racing craft, or commercial watercraft exposures are likely restricted vs. routine pleasure craft. - Complex or urban commercial: Large urban commercial property schedules, heavy manufacturing, or high-hazard mercantile are not indicated as a focus and should be assumed restricted unless an internal program exists. GEOGRAPHIC NOTES - Primary direct-writing states indicated as North Dakota, South Dakota, and Utah, with agent locations centered in those regions. Some exposure to other states may occur via reinsurance of local farm mutuals. - Corporate office in Jamestown, ND; marketing presence in Mandan, ND, reinforcing a North Dakota-centric distribution and appetite. SUBMISSION & QUOTE PRACTICES (INFERRED) - Distribution is through independent agents; the public site routes prospects to a "Find an Agent" and "Request a Quote" workflow. Producers should generally submit through Agraria’s agent portals, comparative raters, or approved download interfaces (e.g., Ebix/IVANS) when appointed. - Expect standard personal and farm/commercial submission requirements: fully completed applications, prior carrier and loss history, details on outbuildings/ag structures, and any special hazards (wood heat, solid fuel devices, dogs, trampolines, pools, etc.). - Claim service is handled directly by Agraria; no special broker-claims instructions are visible beyond standard reporting via the website and agent network. BROKER / PRODUCER NOTES (INFERRED) - Company positions itself as an ag-focused regional carrier. Best use is for accounts where agricultural structures or farm/ranch operations are present, or where a local farm mutual is reinsured by Agraria and prefers alignment. - Agents should verify company-specific rules for dog liability, trampoline/pool safety, and wind/hail or other catastrophe deductibles, as these are not explicitly detailed online but can be material in ND/SD/UT. - Because no explicit public appetite guide is available, producers should consult their marketing representative or underwriting contact for confirmation on borderline classes (e.g., large schedules of farm outbuildings, mixed personal/commercial farm exposures, or watercraft over standard length/horsepower thresholds).