BMI Billings Mutual Insurance
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 current branding is SurSafe Mutual Insurance Company, formerly BMI/Billings Mutual, with home coverage marketed on the SurSafe site. No formal public underwriting or appetite guide was found; the published guidance is consumer-facing and indicates broad personal lines home appetite for primary dwellings, rental dwellings, seasonal property, and renters/tenant contents-liability needs in Missouri only. Optional home-related coverages shown include equipment breakdown, identity recovery, service line, builders risk, inland marine for items such as jewelry/guns, home-based business, and sewer backup. Practical preferred business signals include newer homes, mature homeowners, claims-free insureds, and homes with central station fire or burglary alarms, based on listed discounts. A 10% home-auto coupling discount is advertised when both policies are written with SurSafe. Geographic note: SurSafe Mutual Insurance Company states it is authorized to sell property and casualty products only in Missouri, even though the broader SurSafe brand references affiliated operations in additional Midwest states; for this carrier/entity, treat Missouri as the confirmed footprint. Restricted/declined classes are not expressly published on the official site; however, farm-use structures are directed to the farm program rather than the home program, and all products remain subject to company underwriting guidelines, policy forms, exclusions, and eligibility rules. Submission/servicing guidance: quote requests and policy changes must go through a local SurSafe agent; policy modifications cannot be processed via the website. For agency appointments, the official 'Become an Agent' form requests agency principal details, personnel roster, carrier experience, written premium, current/prior loss ratios, total agency volume, and expected direct volume with SurSafe after two years, which suggests production and profitability are considered in producer onboarding. Broker/producer note: no downloadable producer appetite guide or submit-business instructions were found publicly, so agents should use local agent channels/portal and expect underwriting review based on standard eligibility plus company-specific guidelines.