Augusta Mutual 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
Verified public-facing guidance remains limited; no dedicated online underwriting appetite or producer submission guide was found on the official site. Augusta Mutual states it serves Virginians only and provides coverage through independent agents. For Home, current published products include homeowners HO-2, HO-3, and HO-5, with HO-4 available for renters; messaging emphasizes standard owner-occupied homes, optional endorsements, safety/improvement discounts, and multi-policy discounts when home and auto are written together. Related personal property products indicate broader appetite for dwelling risks on DP-1/DP-2/DP-3 for owner-occupied or tenant-occupied properties, including multi-property accounts, and a Special Risk program for personal lines property risks that may otherwise go to alternative markets. Special Risk specifically targets current Augusta Mutual customers or long-term customers of current agents with profitable history, with target dwelling values of $50,000-$250,000; examples include vacant or unoccupied dwellings due to death or move-out, homes for sale, homes under renovation, or risks with characteristics making them ineligible for a homeowners policy, written on DP-1 or DP-2 forms. Geographic note: carrier expressly says it serves citizens of Virginia, so treat business as Virginia-only. Restricted/declined classes are not expressly published, but inference from the Special Risk wording is that risks ineligible for standard homeowners are redirected to Special Risk rather than standard HO; no formal decline list was publicly posted. Submission/broker notes: insureds are directed first to authorized independent agents; every policy is presented as agent-distributed, and prospective new or established agents are instructed to contact Marketing about possible agency representation. Direct underwriting contact published is underwriting@augustamutual.com, phone (540) 885-5127 ext. 3, fax (540) 886-1683. Because no formal appetite bulletin, class list, or producer manual was located, brokers should confirm occupancy, vacancy status, renovation, value, and whether the risk fits standard Homeowners vs. Special Risk with underwriting before quoting.