Farmers Mutual Insurance of Nebraska
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
Officially published homeowner guidance remains the FMIC Homeowners Program underwriting rules PDF. Carrier footprint and marketing are West Virginia-focused; the public site repeatedly states it writes insurance for West Virginians and distributes through local agencies, so geography appears centered on West Virginia risks only. For Home, FMIC writes HO-1, HO-2, and HO-3, with agents trained to place the appropriate form. Binding authority is delegated for risks that meet manual rules, with maximum Coverage A of $300,000. Minimum Coverage A thresholds shown are HO-1 $30,000, HO-2 $50,000, HO-3 $100,000, and Form 4/tenant contents $10,000. Preferred business appears to be owner-occupied residential property that fits standard construction/condition criteria, including homes with acceptable outbuildings or other structures that can be increased for proper valuation. Key structural eligibility points published in the homeowner rules: Form 2 and Form 3 require continuous solid masonry foundations; Form 1 allows pier with skirting/underpinning. Heating standards tighten by form: Form 1 allows space heaters; Form 2 allows floor furnace, circulating, and baseboard heat; Form 3 requires central heat that is 25 years old or newer, thermostatically controlled, vented, and ducted to each room, including wood furnaces if they meet that standard. Roofing standards: Forms 1 and 2 accept shingle, metal, slate, or clay; Form 3 requires shingle or metal only, within 25 years old. Rolled roofing and Ondura roofing are not acceptable for the homeowners package. Plumbing standards: Form 1 allows galvanized; Forms 2 and 3 require copper or plastic. Occupancy: Forms 1 and 2 allow one- and two-family dwellings; Form 3 is one-family only. Restricted/declined indicators from the published rules include risks exceeding $300,000 Coverage A, homes that fail form-specific construction/heating/plumbing/roof criteria, Form 3 risks with non-central or over-age heating, Form 3 homes with older or non-shingle/non-metal roofs, homes with rolled or Ondura roofs, Form 3 two-family occupancies, and Forms 2/3 without continuous solid masonry foundations. Submission/broker notes: agents may bind only when the risk fully meets manual rules; premiums on canceled policies cannot be accepted without prior underwriter approval; reinstatement requires a signed no-loss statement. Broker/producer operating model appears agency-based rather than open direct submission, with a public agency locator and identified underwriting contacts on the company site, including Vice President Underwriting and personal/commercial underwriting staff. No newer public appetite bulletin, portal submission guide, or separate broker appetite page was verified from the official site beyond the homeowner rules and agency materials used here.