Cameron National Insurance Company
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
Official SurSafe public guidance for Home is marketing-level rather than a detailed broker appetite guide. Current published position indicates personal lines/homeowners focus for dwellings in Missouri, with coverage offered for primary residences, rental properties, seasonal properties, and renters; detached structures are covered on the same premises, with farm-use structures directed to the farm program. Optional endorsements/publicized add-ons include builders risk, inland marine for personal effects, home-based business, sewer backup, equipment breakdown, identity recovery, and service line. Practical preferred business appears to be standard personal residential property written through local agents, especially accounts that can be bundled with SurSafe auto for a stated 10% auto/home discount. Geographic note: the main SurSafe consumer pages repeatedly state SurSafe Mutual is licensed only in Missouri, while the About page says the July 1, 2025 acquisition of Cameron National Insurance Company expanded operations beyond Missouri and that Cameron National now operates as SurSafe Insurance Company; however, no separate official home underwriting/appetite page for Cameron National/SurSafe Insurance Company was found, so multistate home appetite could not be verified from an official underwriting source. No detailed public list of restricted or declined home classes was found. The clearest operational limitations published are that farm-use structures should be placed in the farm program rather than home, all policies are subject to company underwriting guidelines, and policy changes cannot be processed through the website. Submission and servicing expectations: quotes are requested through the website or local agent, business is agent-driven, policy modifications must go directly through the local agent, and the contact form should not include sensitive personal information such as Social Security or account numbers. Broker/producer notes: SurSafe advertises a local agency distribution model with over 300 agencies in Missouri and a Become an Agent page, but no formal producer appetite bulletin or submission checklist for Home was publicly located on the official site.