Center Mutual 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
Verified public guidance is limited and consumer-facing rather than a formal producer appetite guide. For Home, Center Mutual currently markets personal-lines homeowners business in North Dakota and South Dakota only, and states it is dedicated to serving personal lines needs in those two states. The Homeowners page indicates target occupancy/property types including owner-occupied homes, renters, condominiums, rental homes, and seasonal homes. Publicly listed available options/endorsement-type coverages include special form and replacement cost for personal property, related private structures, non-flood sewer backup, non-flood sump pump, identity theft, expanded replacement cost for dwelling, builders risk, watercraft liability, recreational vehicle liability, farm liability, equipment breakdown, service line coverage, and personal injury; inland marine options include jewelry, computers, cell phones, sports equipment, boats/motors/trailers, guns, fine arts, recreational vehicles, and personal-use tools. Public discount signals suggest preference for multi-policy accounts with supporting auto, all-electric homes, newer homes, and higher deductibles; waiver of outbuilding coverage is also noted. No official public page was found with explicit declined classes, hard underwriting restrictions, protection-class/construction-age rules, catastrophe/wildfire limits, or broker-only submission requirements, so those items are not verified from public sources. Distribution appears to be exclusively through independent agents, with the company stating all business is produced through its agency network; the website directs insureds/prospects to find an agent for a quote, and the contact page instructs customers to contact their agent for documents or coverage changes. Operationally, treat appetite as regional personal-lines home business for ND/SD submitted through appointed independent agents, and obtain any detailed underwriting rules directly from the carrier or agency-facing systems.