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
Jurisdiction & program - Manual is the Dwelling Properties Manual – Kansas, REV 07 20, using AAIS DP forms. It governs Dwelling Properties policies written in Kansas for Bremen Farmers Mutual. Preferred / eligible business (Rule 2.1–2.3) - 1–4 family dwellings used for private residential purposes. - Mobile or manufactured homes used for private residential purposes that are not self‑propelled and are permanently situated at a fixed location. - Private structures related to eligible dwellings. - Personal property located in 1–4 family dwellings, eligible mobile/manufactured homes, private structures, or apartments. - Seasonal dwellings or seasonal mobile/manufactured homes that otherwise meet eligibility rules. - Dwellings under construction that otherwise meet program rules, written on DP 00 01 or DP 00 02, rated as non‑owner occupied during construction. Restricted / special situations - Vacant or unoccupied dwellings must be written on DP 00 01 only, are not eligible for Optional Peril of Vandalism or Malicious Mischief, and must be rated as non‑owner occupied. Vacant/unoccupied status applies when the dwelling is expected to remain so for an extended period. - Some eligibility items are flagged “Refer to the company for additional guidelines,” especially for seasonal risks and dwellings under construction – underwriters should expect case‑by‑case review and possible additional conditions or pricing modifications. Declined / ineligible risks (Rule 2.4–2.5) A Dwelling Properties policy may NOT be issued for: - Farm dwellings and farm properties. - Self‑propelled mobile or manufactured homes. - Mobile or manufactured homes not permanently situated at a fixed location. - Dwellings in row houses, townhouses, condominiums, or co‑operative units. - Dwellings, mobile/manufactured homes, or private structures with any incidental business occupancy. - A private residential dwelling in a row house or townhouse with up to four family units per fire division (explicitly excluded in manual wording). - A condominium or co‑operative unit‑owner’s interest in additions, alterations, structures, installations, and similar items. - Stand‑alone seasonal or stand‑alone vacant properties (including dwellings and mobile/manufactured homes) – i.e., where there is no primary occupied dwelling on the same policy. - Stand‑alone tenant‑occupied mobile homes. - Any mobile home with any type of solid‑fuel heat. - Any tenant‑occupied dwelling or manufactured home with any type of solid‑fuel heat. Geographic & rating notes - Manual is state‑specific to Kansas and references state pages for rating zones, relativities, factors, and rates. Rating zone assignments and fire protection/construction definitions are contained within the manual’s definitions and state pages sections. - Dwellings under construction and vacant/unoccupied dwellings are explicitly rated as non‑owner occupied for premium determination. Coverage structure & options (high level) - Uses AAIS Dwelling Property forms DP 00 01 and DP 00 02 with company‑filed options and endorsements for Kansas. - Manual includes rules for: vandalism or malicious mischief, deductibles (including wind/hail), premium modifications, risk‑characteristic factors, seasonal properties, mobile/manufactured home options, landlord’s premises‑only liability, water backup, service line, home systems protection, and other property options. - For coverage options or conditions not addressed by the manual, company‑specific filings and “Refer to Company” rules control. Submission / producer notes (operational) - The manual is a traditional carrier rule manual rather than a marketing appetite guide; it assumes use by underwriters and agents familiar with AAIS DP programs. - Key operational checks for agents/underwriters prior to submission: - Confirm risk is a 1–4 family private residential dwelling or eligible mobile/manufactured home in Kansas. - Confirm structure is not a farm dwelling or on farm property. - Confirm no incidental business occupancy of the dwelling, related private structures, or mobile/manufactured home. - Confirm not a row house, townhouse, condo, or co‑op unit; no condo/co‑op unit‑owner interest exposures. - Confirm mobile/manufactured homes are non‑self‑propelled, permanently sited, and not stand‑alone tenant‑occupied or using solid‑fuel heat. - For vacant/unoccupied or under‑construction risks, ensure use of DP 00 01 or DP 00 02 as specified and classify as non‑owner occupied; remove vandalism/M&M option for vacant/unoccupied. - Where risks fall in gray areas (seasonal properties, construction exposures, unusual occupancies, or anything matching an ineligible description but with mitigating factors), the manual repeatedly instructs to “Refer to the company,” so producers should expect to submit full underwriting details and await company approval rather than binding. - Manual notes that if special rules, definitions, relativities/factors, rates, forms, or endorsements are filed specifically by or for Bremen Farmers Mutual, those company‑filed items override general manual provisions; producers should follow the most current company bulletins and state‑specific forms listings when available.