Dallas Mutual Insurance Association
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
Official site verified as Guardian Mutual Insurance Association, formed in January 2024 following the merger of Dallas Mutual, Glidden Mutual, and Marion Mutual. Current publicly posted appetite is personal and farm property-focused in Iowa, distributed through local independent agents. For Home, preferred business appears to be owner-occupied dwellings: Home-Guard Comprehensive and Home-Guard Select offer up to 125% dwelling replacement coverage with up to 100% contents replacement, while Home-Guard provides actual cash value with optional replacement cost up to 100% on dwelling and contents. Additional acceptable home-related classes shown include owner-occupied mobile homes, tenant contents, and rented dwellings in town with up to 4 units. Farm-related offerings are also publicly listed, including farm dwellings, outbuildings, and farm personal property options. Restricted/limited indicators from the product descriptions include non-owner-occupied dwellings being written as rented dwelling/in-town risks only up to 4 units, tenant-occupied farm dwellings written on a non-package basis, mobile homes written under a separate form, and some coverages available only on qualifying policies for replacement cost. No standalone broker/producer underwriting manual, appetite guide, or submission instruction page was located on the official site. Geographic note: the carrier presents itself as an Iowa mutual with a visible 2026 writing territory map and an Iowa agency network, so business appears oriented to Iowa/local territory rather than broad multi-state expansion. Submission/producer note: business appears to be agent-driven via the listed agent network; insureds are directed to find an agent, and claim reporting instructions specifically tell policyholders to contact their agent. Operationally, submit owner-occupied Iowa homes first, use the appropriate form for mobile home, tenant, rented dwelling, or farm exposures, and expect agency placement through an appointed/local agent rather than direct online submission. Public site does not publish explicit declinations such as age, protection class, loss history, or underwriting thresholds, so those items remain unverified from official web content.