Bremen Farmers Mutual
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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
Bremen Farmers Mutual is a Kansas-domiciled farm mutual focused on property/casualty business written through independent agencies in Kansas.([bbb.org](https://www.bbb.org/us/ks/bremen/profile/insurance-services-office/bremen-farmers-mutual-ins-company-0714-56401?utm_source=openai)) Their primary published guidance for Home/Dwelling business is contained in the Dwelling Property Manual – Rules, Definitions, Rating Information (rev. 10/24), which functions as both a rating and underwriting guide.([bfmic.info](https://www.bfmic.info/uploads/4/8/1/1/48114659/dwelling_property_manual_-_rules_definitions_rating_information__rev_10_24_.pdf?utm_source=openai)) Preferred / target home business - Dwellings in good repair with standard construction (frame, brick/veneer, or other typical residential construction) and normal owner-occupied or tenant-occupied exposures. - Risks that can be written within the rating/rules framework of the Dwelling Property Manual; the company expressly allows agents to bind coverage when the risk meets the manual’s underwriting rules. - Conventional primary residences, secondary/seasonal homes, and tenant-occupied dwellings that fit the manual’s occupancy, maintenance, and protection criteria (e.g., adequate heating, wiring and roof condition, and normal protection class). - Mobile or manufactured homes are eligible only when they meet the specific “Mobile or Manufactured Home” conditions and options section in the manual; these are treated as a defined, but more controlled, class.([bfmic.info](https://www.bfmic.info/uploads/4/8/1/1/48114659/dwelling_property_manual_-_rules_definitions_rating_information__rev_10_24_.pdf?utm_source=openai)) Restricted or declined home classes - Dwellings falling outside the Dwelling Property Manual rules are not to be bound and must be cleared with underwriting; the manual is explicit that eligibility and rating are conditioned on compliance with its rules/definitions. - Poor-condition properties (not well maintained, unrepaired damage, significant liability hazards, or obvious underwriting concerns) are generally ineligible under standard rules and expected to be declined or written only with specific underwriting approval. - Highly non-standard occupancies (e.g., extensive business use, boarders, rooming-house type exposures) and unusual construction types may not fit the manual and are subject to underwriting review, often resulting in restriction or decline. - Certain mobile/manufactured homes may be restricted or excluded where they do not meet age, anchoring, foundation, or condition requirements spelled out in the manual’s mobile/manufactured section. Geographic notes - The company operates as a Kansas farm mutual and writes property/casualty business through Kansas agencies; practical appetite for dwelling/home business is therefore limited to the state of Kansas.([bbb.org](https://www.bbb.org/us/ks/bremen/profile/insurance-services-office/bremen-farmers-mutual-ins-company-0714-56401?utm_source=openai)) No separate multi‑state appetite is indicated. Submission and binding expectations - Agents may bind dwelling/home coverage only for risks that cleanly meet the Dwelling Property Manual’s underwriting rules and rating criteria; binding beyond those rules is not authorized. - Where a risk is borderline or not clearly addressed in the manual (e.g., unusual occupancy, substantial prior losses, atypical construction, or condition issues), the expectation is to submit to an underwriter rather than bind. - The manual provides rating information and rule structure (including definitions, occupancy categories, coverage options, and mobile/manufactured home options), and producers are expected to rate and classify in accordance with these provisions; deviations or special arrangements require underwriting approval. Broker / producer notes - Bremen Farmers Mutual distributes exclusively through appointed independent agencies in Kansas; there is no direct-to-consumer submission path.([bfmic.com](https://www.bfmic.com/find-an-agent?utm_source=openai)) - Underwriting contacts (including an Underwriting Manager and staff underwriters) are published on the company’s site, signalling that agents are expected to contact underwriting directly for non-standard or non-manual dwelling risks, significant changes, or questions on eligibility.([bfmic.com](https://www.bfmic.com/contact-index?utm_source=openai)) Operationally, agents should treat the Dwelling Property Manual (rev. 10/24) as the controlling underwriting and rating reference for home/dwelling business: bind only when the risk fits the manual; submit all exceptions to a Bremen underwriter, and limit placement to Kansas properties written through appointed agencies.