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
Verified official carrier is Farmers Mutual Insurance Company of West Virginia, not Nebraska. Current published Homeowners underwriting guide on the carrier site is a 3-page PDF labeled Homeowners Program Underwriting Rules, rev. 5/18, and search results indicate it was republished/updated on the site within the last year. Home appetite is owner-occupied residential property in West Virginia written on HO-1, HO-2, and HO-3 forms through local independent agents. Binding authority is granted for risks meeting manual rules, with Coverage A capped at $300,000; minimum Coverage A thresholds are Form 1 $30,000, Form 2 $50,000, Form 3 $100,000, and Form 4 $10,000. Preferred structural features include continuous solid masonry foundations for Forms 2 and 3, shingle/metal/slate/clay roofs, and for HO-3 specifically one-family occupancy, breaker electric 25 years old or newer, central heat 25 years old or newer, shingle or metal roof only, and copper or plastic plumbing. Form 1 is more flexible and can allow pier foundations with skirting, space heaters, fuse electric, and galvanized plumbing. Risks under construction or total renovation must go to the Dwelling Fire program. Hybrid homes/mobile homes with room additions must be placed in the Mobile Homeowners program if owner-occupied, or Dwelling Fire if tenant or seasonal. Townhomes are acceptable only if each unit is separated by an adequate fire division. Key restrictions/declinations for the Home program: no rolled or Ondura roofs; no vacant or unoccupied dwellings; no mobile homes or hybrids in the homeowners package; no dwellings using a wood stove as sole heat source or using kerosene space heaters; no vicious dogs or listed breeds/mixes including Rottweiler, Pit Bull, Chow, Doberman Pinscher, German Shepherd, or Akita; no trampolines, broken steps, missing handrails, or unfenced pools; no applicants canceled, non-renewed, or declined by another insurer within 5 years; no applicants with a prior total loss or theft claim; losses generally require underwriting review; no structures originally built for nonresidential occupancy; and no student housing. Operational submission requirements are specific: mailed applications must be complete and signed and include payment plus photos of all insured structures; online submissions must have all screens completed plus payment info and photos, with signatures retained in the agent office. Photos are also required when liability is extended to other structures. Co-habiting individuals must all be listed as named insureds. If the property exceeds 5 acres, Farmers comprehensive liability is mandatory even if no farming occurs, with an additional premium for each separate tract and location details for each tract. Safety conditions include required handrails on steps with 4 or more risers and fenced/locked pool protections. Wood-stove risks can be written only if venting rules are met and the application includes a completed wood-stove questionnaire plus a stove photo. Mortgage count is limited to two per policy, and estate-owned dwellings must be written in the Dwelling Fire program. Producer notes from the agency manual and site: Farmers Mutual writes through independent agents in West Virginia, emphasizes pride of ownership/physical risk quality, and reserves discretion to change coverage amount, form, or deductible. The agency manual also states agents should use the website/agency support resources for forms and claim reporting, and canceled policies cannot be reinstated without underwriter approval and a signed no-loss statement.