Farmers Mutual Hail Insurance Company of Iowa
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 FMH Iowa Property Manual remains the clearest official underwriting source for Iowa home/property business. For Home, FMH is farm-focused and does not actively solicit standard standalone homeowners risks; it limits homeowners business to risks written in association with new or existing FMH farm policies, such as related family households tied to the insured farming operation. Home Security tiers show minimum Coverage A thresholds of $100,000 for Home Security II, $150,000 for Home Security III, and $200,000 for Home Security III Plus. Preferred business appears to be average to above-average dwellings with qualifying construction quality, complete valuation support, and accounts connected to FMH farm business. Restricted/declined notes include no tile, slate, or wood shake roofs; no log homes or log cabins; and no mobile homes in the Home Security and Farm Security package segments. Uninhabited or under-construction dwellings require a $2,500 all-peril deductible plus a repair/rebuilding requirement endorsement, and if a property becomes vacant for 60 consecutive days a repair/rebuilding endorsement is required. FMH also says business should be written to at least 80% of actual value and agent inspections and photos are required on all new business. Submission requirements are detailed and operational: farm risks must be submitted through FMH online quoting/application software; photos are required for all dwellings, buildings, and bins; applications must be fully completed and signed by both agent and insured; property locations must include section, township, range, county, and 911 address; supplemental heating devices require a questionnaire and photo; and ACORD forms may be used for losses, cancellations, endorsements, and binders. Producer/broker notes: FMH does not accept agent transfer letters, so business must be cancelled and rewritten by the new agent, with a current cost guide and photos required on all applications. Billing guidance adds that new applications should be completed in full and submitted within 24 hours; either full premium or at least the first installment payment should accompany the submission unless underwriting approves otherwise; electronic application copies are acceptable for binding; and the agent must retain the original signed application for at least 7 years. Geographic notes: the verified manual is Iowa-specific and includes Iowa county zoning; no broader admitted-state home appetite guidance was verified from official sources beyond the Iowa manual.