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 current agent/help materials indicate Bremen Farmers Mutual writes property and casualty business throughout Kansas only and distributes through independent agencies. For Home, the most directly verified underwriting source is the Dwelling Property manuals page, which now shows a current Dwelling Property Manual dated Rev 12/25, replacing the older Rev 10/24 PDF previously supplied. Current Homeowners manuals are also posted in Standard and Preferred versions dated 12/2025. Published dwelling eligibility includes 1-4 family private residential dwellings, permanently sited non-self-propelled mobile/manufactured homes, related private structures, personal property in eligible dwellings/apartments, and eligible seasonal dwellings. Dwellings under construction may be written on DP 0001 or DP 0002 and are rated as non-owner occupied, with company referral for added guidance. Published ineligible or restricted dwelling classes include farm dwellings/farm properties, self-propelled or non-permanently sited mobile/manufactured homes, row house/townhouse/condo/co-op risks, any dwelling/mobile home/private structure with incidental business occupancy, stand-alone seasonal or vacant property, stand-alone tenant-occupied mobile homes, any mobile home with solid fuel heat, and tenant-occupied dwellings or manufactured homes with solid fuel heat. Supplemental underwriting guidance posted by the carrier adds that vacant dwellings are only eligible as DP-1 with a $1,000 all-peril deductible and no vandalism/malicious mischief coverage, require supporting coverage, and are limited to 1 year; modular homes on permanent foundations are limited to broad-form treatment; berm homes are limited to broad-peril forms; maximum dwelling coverage is generally $350,000 with higher limits case-by-case by referral; minimum insurance-to-value guidance shown is 50% of replacement cost for HO-8/DP-1 and 65% for DP-2/DP-3; tenant-occupied dwellings can be insured without supporting coverage and up to 6 dwellings may be insured on one dwelling fire policy; properties with child day care on premises are declined; trampolines require a signed exclusion form; and swimming pools are acceptable if fenced. Solid fuel guidance says underwriters should be consulted first, manufacturer written specs for the exact model are expected, non-UL-approved stoves are not allowed, and woodburning stoves are not to be installed in residential garages or similar fuel-vapor exposures. Producer/agency operational notes: Bremen’s public agent page directs agents to the BriteCore system and help site; agency copies of policy documents are delivered through BriteCore with email alerts, while many insured and third-party copies are mailed by Bremen depending on billing setup. Overall appetite appears oriented to standard Kansas personal residential property through appointed independent agents, with older/special construction, vacancy, solid-fuel-heat, higher-value, and nonstandard occupancies frequently subject to restriction or referral.