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
Badger Mutual’s verified public personal-lines guidance shows a regional carrier writing home-related personal insurance through independent agents only. For Home, the published offering centers on homeowners coverage with packaged endorsements under BADGER TRUST Home, including extended dwelling replacement up to 150% of Coverage A, replacement cost on personal property, broadened Coverage B treatment in some cases, increased special limits for certain personal property, water backup/sump overflow, and optional personal umbrella. Public product pages also indicate related personal appetite around renters and condo/unit-owners style business, plus scheduling of items such as jewelry, fine arts, guns, silverware, cameras, musical instruments, stamp/coin collections, and some watercraft/recreational vehicles subject to limitations. Geographic notes publicly verified on the carrier site indicate personal insurance availability in Arizona, Illinois, Iowa, Michigan, Minnesota, Nevada, and Wisconsin, with the site noting that coverage, discounts, and availability vary by state; Michigan is listed on the FAQ as a state served, but with no auto there. Submission expectations are clear that all policies are quoted and submitted via independent agents, so retail/insured direct submissions are not the path; prospects are instructed to use Find an Agent, and policy questions are directed to the agent or home office. No standalone public underwriting appetite guide, producer bulletin, or declination matrix for Home was verified on the official site, so restricted/declined classes are only partially inferable from product wording: exposures outside listed personal-property categories, certain watercraft/recreational vehicle risks beyond stated limitations, and coverage requests outside state availability or product form options may require agent consultation. Operationally, brokers/producers should treat Badger Mutual as a relationship-driven regional market for standard personal home accounts in its served states, confirm state-specific eligibility and optional endorsement availability with a Badger-appointed independent agent, and submit business through the appointed agency channel rather than directly to the carrier.