Bremen Farmers 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
Verified official carrier and agent-help pages indicate Bremen Farmers Mutual writes property/casualty business throughout Kansas and distributes through independent agents. For Home, the public product pages show owner-occupied homeowners/renters coverage, rental dwelling property, and related liability/med pay options; the agent-help site provides manuals, forms, and a Special Underwriting Situations bulletin. Preferred/target risks appear to be standard owner-occupied homes and renters, with HO-2/HO-3 and dwelling forms available; rental dwellings are a supported class, including up to 6 tenant-occupied dwellings on one Dwelling Fire policy. Key restrictions/declinations from the posted underwriting bulletin: vacant dwellings only on DP-1 with $1,000 all-peril deductible, no vandalism/malicious mischief, supporting coverage required, and only for 1 year; modular homes on permanent foundations limited to Standard HO-2/DP-2, and modular homes built in 1985 or earlier are generally treated as mobile homes; berm homes limited to broad peril forms; maximum dwelling coverage is $350,000 with higher limits only by case-by-case approval; HO-8, DP-1, and certain Agri-Pak dwelling classes require at least 50% of replacement cost, while DP-2/DP-3 require at least 65%; tenant-occupied mobile homes are not allowed without supporting coverage; HO-4 for a student is not allowed without parents’ supporting coverage; HO-4 in a mobile home is not allowed; any dwelling with 4 or more roof layers is ineligible. Heating/occupancy/liability restrictions include: freestanding solid-fuel heat is not allowed in tenant-occupied dwellings or commercial buildings, non-UL-approved stoves are never allowed, and any solid-fuel heat including fireplaces is not allowed in a mobile home. The carrier does not insure property with child day care on premises and does not insure properties with Pit Bull, Rottweiler, German Shepherd, Wolf Hybrid, or any dog with biting/aggressive history. Pools can be acceptable if fenced; trampolines require a signed exclusion. Builder’s risk is limited to DP-2 and is reviewed before first renewal. Submission/producer notes: business is written through independent agents; agents are directed to the BriteCore login/help site for manuals, forms, and endorsements. If a new application is received by the company 3 weeks or more after the effective date, a signed Statement of No Loss is required. Policy assignment between insureds is not allowed and must be handled as cancel/rewrite; assignment between agents is discouraged and requires discussion. The dwelling underwriting page is verified and current as a forms/manual hub, but the most detailed appetite guidance available online is the posted Special Underwriting Situations PDF, which appears older yet still linked as current guidance on the official agent-help site.