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
Carrier: CFM Insurance (Missouri‑exclusive farm mutual). Line reviewed: Homeowners (current GO Underwriting Manual – 2024).([cfmimo.com](https://cfmimo.com/page/1?utm_source=openai)) Preferred business - Owner‑occupied 1–2 family dwellings in good repair, primary residences, with continuous insurance and no significant prior loss history. - Dwellings with modernized or properly updated utilities (wiring, plumbing, heating, roof) and no adverse inspection findings. - Risks located within CFM’s Missouri operating territory and written through appointed independent agents using the CFM Agent Portal/WeInsureMissouri platform. Restricted or closely underwritten - Older homes without documented updates to roof, electrical, plumbing, or heating systems – may require recent updates, inspections, photos, or be written on more restrictive forms/with surcharges. - Properties with prior losses, especially fire, liability, water, or multiple weather losses in a short time period – subject to underwriting review, possible higher deductibles, sublimits, or non‑renewal. - Certain solid‑fuel heating devices, auxiliary heat sources, or non‑central heating – typically must meet clearance, venting, and usage standards and may require removal or underwriting approval. - Outbuildings, farm‑type exposures, or incidental business activities on premises – often allowed only within specific limits/eligibility rules or on different CFM forms. Declined / generally unacceptable - Risks outside Missouri. - Vacant, unoccupied, or condemned dwellings; properties in poor condition, with major unrepaired damage, or clear lack of maintenance. - Dwellings with severe liability hazards (attractive nuisances not properly controlled, certain aggressive dog breeds or bite history, pools without required safety measures, etc.). - Properties with evidence of fraud/misrepresentation, unrepaired prior fire or water damage, or repeated large losses inconsistent with normal occupancy. Geographic notes - Missouri‑only appetite; business is produced via a network of independent agents located throughout the state, with emphasis on small towns and rural communities but able to cover eligible homes statewide.([cfmimo.com](https://cfmimo.com/page/1?utm_source=openai)) Submission & underwriting process (agents) - Agents are expected to pre‑screen against the Homeowners GO Underwriting Manual and use it as the primary eligibility and rule reference.([1951175.fs1.hubspotusercontent-na1.net](https://1951175.fs1.hubspotusercontent-na1.net/hubfs/1951175/Homeowners%20GO%20Underwriting%20Manual%20-%202024%20.pdf?utm_source=openai)) - Applications are typically submitted electronically through the CFM Agent/WeInsureMissouri system, with required supporting information (year built, system updates, prior coverage, claims, occupancy, construction type, protection class, etc.). - Underwriters may order inspections, request photos, proof of updates, or additional questionnaires when risk characteristics (age, condition, claims, or special exposures) warrant. - Non‑standard characteristics (older roofs, unconventional heating, unusual outbuildings, incidental farm or business use) should be disclosed at quote and specifically documented so underwriters can determine eligibility or needed endorsements. Broker/producer notes - CFM positions itself as a community‑focused Missouri mutual that values strong agent relationships and ease of doing business; agents are expected to match that standard by carefully following manual rules and maintaining honest, complete submissions.([cfmimo.com](https://cfmimo.com/page/1?utm_source=openai)) - Manual functions as the controlling document for acceptability, coverage form selection, and any exceptions; agents should consult their underwriter before binding when any material guideline exception is contemplated. Note: The PDF manual is branded “CFM Insurance Agent Manual – WeInsureMissouri.com – Homeowners GO Underwriting Manual – 2024,” indicating it is the current operative guidance for homeowners eligibility and rules at CFM.([1951175.fs1.hubspotusercontent-na1.net](https://1951175.fs1.hubspotusercontent-na1.net/hubfs/1951175/Homeowners%20GO%20Underwriting%20Manual%20-%202024%20.pdf?utm_source=openai))