Badger Mutual
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 homeowners underwriting or appetite guide is posted by Badger Mutual as of this refresh. Operational guidance for agents must therefore be inferred from limited public content and should ultimately be confirmed directly with Badger personal‑lines underwriting. Preferred / target profile (inferred) - Financially responsible, standard‑to‑better quality homeowners; Badger promotes its BADGER TRUST® program, which provides discounts based on a credit‑based insurance score, implying a preference for insureds with stronger credit and generally responsible financial behavior. - Owner‑occupied primary residences needing standard homeowners protection (dwelling, personal property, liability) with the option to package frequently requested endorsements into their BADGER TRUST® Home product. Geographic appetite - Personal lines (including homeowners) are written only through independent agents in specific states. Public FAQ indicates they provide home, auto, and commercial insurance in Wisconsin, Illinois, Minnesota, Michigan (no auto), Arizona, Nevada, and Iowa. Agents should treat these seven states as the primary territory and confirm any state‑specific restrictions, especially for catastrophe‑exposed or distressed areas, directly with underwriting. Coverage and feature notes (not strict underwriting rules, but relevant to risk/placement) - Standard homeowners forms with physical damage to dwelling and other structures, personal property on and off premises, and loss of use/additional living expense. - Personal liability for bodily injury or property damage to others arising from premises exposures. - BADGER TRUST® enhancements for qualifying risks: up to 150% dwelling limit on total loss, replacement cost on personal property, ability to reallocate Coverage B limit to Coverage A when there are no separate structures, increased special limits on certain high‑theft or high‑value items, and no‑deductible coverage for replacement or re‑keying of exterior door locks when keys are stolen. - Ability to schedule specific personal property (non‑professional cameras, coin collections, fine arts, furs, golf equipment, guns, jewelry, non‑professional musical instruments, silverware, stamp collections) and to add certain watercraft and recreational motor vehicles, subject to company limits and underwriting approval. This implies they are open to typical scheduled property and small pleasure‑craft exposures, but agents should expect underwriting review on higher values or non‑standard uses. Submission and producer instructions - All policies are obtained and submitted exclusively through appointed independent agents. Consumers cannot obtain quotes or bind directly with the carrier. - Agents must quote and submit business using Badger’s internal systems/portals (not described publicly); specific documentation, inspection, and photo requirements are not outlined on the public site and should be obtained from the personal‑lines underwriting team or agency manuals. - The public contact directory lists dedicated personal‑lines underwriters and an underwriting manager, signaling an expectation that agents work directly with underwriters on borderline or non‑standard risks. Restricted or declined risks (not explicitly published) - No explicit, public list of prohibited or restricted homeowner classes, construction types, or protection classes was found. Given the absence of a posted appetite guide and the current property‑market environment, agents should assume tighter controls on: • Non‑owner‑occupied dwellings, rentals, or seasonal/vacant homes written on HO forms (likely redirected to rental/landlord products where eligible). • Poor condition, prior losses, severe protection class, or high‑CAT locations (especially in Arizona/Nevada for wildfire and severe convective storm, and Midwest wind/hail or flood‑prone areas). • Large or unusual watercraft/ATVs beyond the small‑pleasure and recreational limits noted in scheduling language. - Because these are logical inferences rather than stated rules, placement of any non‑routine risk should be cleared with a Badger personal‑lines underwriter before marketing a quote. Operational notes for agents - Treat the seven named states as the default service area and confirm eligibility when writing business near state borders or in special‑exposure ZIPs. - Use BADGER TRUST® as a placement target for better‑quality owner‑occupied homes with strong credit profiles and a desire for higher limits and packaged endorsements. - For scheduled property and recreational vehicle/watercraft exposures, confirm value and use details at submission and consult underwriting for anything outside typical household/pleasure use. - Because no public guideline PDF exists, rely on your agency’s Badger manual, comparative rater rules, and direct communication with their personal‑lines underwriting team for final eligibility, documentation, and inspection requirements.