CFM Insurance
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 website and official April 2024 Homeowners Agent/Underwriting Manual. CFM is a Missouri mutual focused on Missouri residential and farm-related personal lines distributed through independent agents; website states coverage is for Missouri homeowners, farmers, renters, and auto policyholders, with agents across every Missouri county. Homeowners appetite fits well-maintained owner-occupied or seasonal/secondary dwellings with accurate insurance-to-value, agent-inspected risks, and supporting business in the agency when required. Agent may bind qualified single-dwelling risks up to $500,000 Coverage A; over $500,000 requires underwriting approval, and total insured value at one location cannot exceed $4 million without prior approval. Every new risk must be personally inspected by the agent, with completed application plus photos of all sides of the dwelling and all structures on the premises. Roofs must be in good condition; all roofs over 15 years old are ACV, wood shingle/slate/tile roofs are ineligible, corrugated metal roofs require prior underwriting approval and are limited to FO-1 or FO-2 ACV, and flat-roof dwellings are FO-1 only with prior underwriting approval. Any dwelling with a water claim in the past 3 years requires underwriting approval and may need photos/proof of repairs. Solar panels must be insured to full replacement cost with photos; invoice required if total value exceeds $25,000. Seasonal property is allowed subject to form eligibility, must be disclosed on the application, requires supporting coverage in the agency, and receives a Repair or Rebuilding endorsement. Vacant dwellings are written on their own policy for temporary vacancy, reevaluated each renewal, require supporting coverage in the agency, exclude theft and vandalism, allow premises-only liability, and receive FO-563 Repair or Rebuilding Requirement; long-term vacant with no occupancy plans is subject to underwriting discretion. Home-sharing exposures such as Airbnb/VRBO are not allowed. Form appetite: FO-3 Replacement Cost is for owner-occupied or seasonal/secondary homes with minimum value $150,000, insured to at least 90% of 360Value, standard-or-better quality, concrete block/continuous masonry foundation in excellent condition, modern romex/breaker wiring, central forced air/thermostatic/electric heat, and generally homes built after 1959; manufactured/modular/mobile homes do not qualify. Expanded Replacement Cost is available when insured to 100% of 360Value, Coverage A is at least $250,000, insurance score is level 1, and dwelling age is within 25 years, with older homes eligible for extra charge. FO-2 Replacement Cost is for owner-occupied or seasonal/secondary homes minimum $100,000 insured to at least 80% of 360Value; manufactured/modular/double-wide/single-wide homes can qualify if on permanent foundation or fully skirted, but single-wides must be no more than 15 years old. Homes built in 1950 or earlier are subject to Functional Replacement Cost terms. FO-2 ACV is for owner-occupied or seasonal/secondary risks insured at minimum $40 per square foot; mobile/manufactured risks are eligible, fuse boxes need prior underwriting approval, and older/narrow single-wides may be written at $7 per square foot unless higher value is justified. FO-1 ACV accepts owner-occupied, seasonal/secondary, or vacant dwellings with minimum $25 per square foot and is also the fallback for tougher risks such as certain roof or heat situations. Wood/solid-fuel heat is a major control point: it is not acceptable as the primary heat source on standard homeowner forms, though supplemental wood heat can be acceptable subject to photos, wood-heat form, surcharge, and installation rules; homemade/barrel stoves are not acceptable; non-professionally installed systems need prior approval and are limited to FO-1 or FO-2 ACV; wood heat is not allowed in non-owner-occupied dwellings and generally not in single- or double-wide manufactured/modular homes unless factory installed or specially approved. Liability appetite requires well-maintained premises, reputable insureds, complete applications, and supporting property coverage. Declines/ineligible liability include applicants with a liability loss in the past 3 years; dog-related claims in the past 3 years; trained guard dogs; prohibited breeds/mixes including pit bull/Staffordshire, Rottweiler, wolf hybrid, Akita, Chow, Presa Canario, and Doberman; animals with vicious tendencies; wild/dangerous animals or reptiles; unfenced pools; rental property with a swimming pool or wood heat; pools with diving board/slide unless minimum 8-foot depth; jet skis/personal watercraft; and certain poor driving records for watercraft/ATV operators. Business pursuits are allowed only on a limited basis: included under $2,000 gross receipts; available from $2,000 to under $40,000 if no employees and class is eligible. Examples of eligible incidental pursuits include on-premises antique/appliance/bait/beauty/cabinet shops, odd-job carpentry, incidental retail/service, limited landscaping, sewing/upholstery, shearing sheep, and commercial tractor use for snow removal/plowing gardens. Ineligible business pursuits include appraisers/home inspectors, gun ranges, auctioneers, bed & breakfasts, bulldozing/backhoe/grading, campgrounds, catering, corn mazes, custom butchering/spraying/farming/feeding, dance studios, day care, dog kennels/breeding/boarding, commercial equestrian operations, fishing/hunting/swimming for a charge, food processing/public orchards, machinery rental/repair, manufacturing/welding, massage/tattoo/electrolysis, miniature golf, petting zoos, preschools, quarries, sandblasting/spray painting, sawmills, snow removal for business/governmental subdivisions, tanning beds, taxidermy, and tree trimming. Additional submission notes: pictures/dimensions are required for related private structures and excluded structures should also be photographed; risks with farming exposure in outbuildings should move to the farm program; builders risk must be written at start of construction with 360Value submitted and completion photos sent when finished. Overall operating take: target clean, maintained Missouri homes with standard heating, acceptable animals, fenced pools, solid updates, and good loss history; submit anything involving higher values, older/problem roofs, water losses, unusual construction, fuse boxes, vacant/no occupancy plans, or nonstandard heat for underwriting review.