Century 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
No standalone public appetite or producer underwriting guide was found. Current official public guidance indicates Century Mutual is a North Carolina statewide carrier focused on personal and small property risks distributed through agents. For Home, the website shows homeowners coverage for owner-occupied residences; related property offerings include owner-occupied mobile homes, farmowners for owner-occupied farm residences with related barns/buildings/equipment, dwelling/commercial fire for owner, tenant, and part-time occupied residences plus small businesses, and fire liability for owner- or tenant-occupied dwellings. Public underwriting signals suggest preferred business is owner-occupied personal lines property in North Carolina and small associated property risks. Restricted/heightened-review classes are implied by the required questionnaires rather than an explicit appetite statement: dog exposures, wood heat, and general underwriting questionnaire items should be expected for applicable home submissions; commercial risks appear limited to small businesses under commercial fire rather than broad casualty-oriented classes. Geographic note: the company states it is statewide in North Carolina. Submission requirements/instructions publicly available: business is agent-driven; prospective insureds are directed to find an agent, and agents can log in through the agent portal to view policy information, quote, and submit applications. Broker/producer notes: use Century Mutual forms and questionnaires from the policy forms page, including Commercial, Dog, Underwriting, and Wood Heat questionnaires, as these appear to be the main public underwriting intake documents. Because no explicit public decline list, protection-class guidance, valuation rules, or binding authority details were found, those items should be confirmed directly with the carrier or through the agent portal before quoting non-standard home risks.