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 carrier site has rebranded from BMI Company, Inc. / Billings Mutual Insurance to SurSafe Mutual Insurance Company. For Home, the public-facing guidance indicates a Missouri-only personal lines appetite distributed through local independent agents. Preferred business includes owner-occupied homes, plus renters, seasonal property, and rental property exposures; the carrier also highlights optional coverages for builders risk, inland marine/scheduled personal property, home-based business, sewer backup, equipment breakdown, identity recovery, and service line. The site emphasizes account-rounding with a 10% home/auto coupling discount and additional home discounts for claims-free insureds (3 years), central-station fire or burglary alarms with proof submitted, mature homeowners age 62+, new homes age 0-5 years, and long-term loyalty. No detailed public decline list or restricted class list was found on the official site; farm-use structures are directed away from standard home coverage to the farm program, and all coverage remains subject to company underwriting guidelines, forms, exclusions, and limitations. Geographic guidance: SurSafe Mutual states it is authorized to sell property and casualty products only in Missouri, although the company About page notes a broader group expansion effective July 1, 2025 through acquisition of Cameron National; the verified Home page for this carrier entity still states Missouri-only authority. Submission/process notes: quotes are initiated through the Find An Agent / Request a Quote workflow, with the prospect selecting a local agent and submitting the quote form to that agent. Policy changes cannot be bound, altered, or processed through the website; insureds must contact their local agent for modifications, and agent login is used for certain service functions. Broker/producer notes publicly available are limited, but the site includes a Become An Agent page inviting agencies to apply by form or phone; no public broker appetite guide, target construction details, protection class rules, age-of-home restrictions, wildfire/coastal rules, or formal declination matrix was found.