Farmers Mutual Insurance Company of Michigan
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
No verified official underwriting/appetite PDF or producer submission guide was accessible at the provided underwriting URL; the supplied PDF link returned 404. From the carrier’s public official pages, current published home appetite appears to be broad form HO-2 homeowners for new and older homes up to $200,000 in value. Preferred business includes owner-occupied homes that show pride of ownership, good maintenance, and—if older—modernized plumbing, electrical, and roofing. Replacement cost on personal property is available as an option, and all protection classes are stated as eligible. Solid fuel stoves and furnaces are acceptable when professionally installed and properly maintained for safety. Related property lines publicly shown include renters (HO-4), mobile home, rental property, specialty items via inland marine floater, and farm coverage, with small to medium-sized farms identified as a specialty. For rental property, the carrier states risks may qualify when plumbing/electrical are updated, roof condition is good, and maintenance is above average. Geographic note: the company is a Michigan domestic carrier and presents itself as serving Michigan; no broader state footprint or county restrictions were publicly verified. Submission/broker notes: business appears agent-driven, with a public Find Agent path and a separate Agents Login portal; the site also identifies a named underwriter and contact information, suggesting underwriting questions should route through appointed agents or directly to underwriting contacts as permitted. No public official declination list, catastrophe/wildfire guidance, eligibility exclusions, or detailed producer submission requirements were found on verified public pages.