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
Verified official site indicates Century Mutual is a North Carolina statewide carrier and presents itself as a multi-line personal and commercial property/casualty insurer. For Home, the clearly stated target risk is owner-occupied residences under its Homeowners program. Adjacent property appetite shown on the official products page includes owner-occupied mobile homes, owner-occupied farm residences with related barns/buildings/equipment, named-peril dwelling/commercial fire for owner, tenant, and part-time occupied residences plus small businesses, and fire liability for owner- or tenant-occupied dwellings. No formal public appetite guide with explicit prohibited classes, protection class limits, age/value thresholds, or CAT/coastal restrictions was found on the verified site. However, the public underwriting materials strongly suggest submission screening for special hazards/exposures because Century Mutual posts separate Commercial, Dog, Underwriting, and Wood Heat questionnaires for use in underwriting. Operationally, preferred Home submissions appear to be standard owner-occupied residential risks in North Carolina that fit a traditional personal-lines profile; risks involving dogs/animal exposure, wood heat, commercial activity, tenant/part-time occupancy, farm exposure, or small-business use appear to require additional underwriting review and may fit other Century Mutual forms rather than standard Homeowners. Geographic note: official company information states the carrier writes statewide in North Carolina. Submission/process notes: agents are the distribution channel; the site directs prospects to find an agent, and the agent portal states agents can view policy information, quote, and submit applications. Broker/producer note: there is no public broker appetite bulletin or submit-business instruction page beyond the agent portal and questionnaires/forms area, so producers should expect to work through appointed agents and provide any applicable supplemental questionnaires, especially for dog, wood heat, commercial, or other non-standard exposures.