Farmers Mutual of Tennessee
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 current official website and underwriting PDF for Homeowners. Farmers Mutual of Tennessee writes property only in Tennessee and its public Home program is designed for owner-occupied homes. The underwriting summary instructs agents to verify the home is in good condition with no known hazard before submission, and to discuss risks outside stated parameters with an underwriter prior to binding. Preferred business tiers are segmented as: ML-3 Special replacement cost for newer dwellings with central heat and air, superior fire protection, 200-amp grounded service with no fuse boxes, age under 20 years, minimum Coverage A $100,000, asphalt shingle roof under 10 years or metal roof in good condition, and generally Protection Class 7 or better within city limits; ML-2 Broad replacement cost for newer dwellings with superior heating systems, 200-amp grounded service with no fuse boxes, age under 30 years, minimum Coverage A $75,000, asphalt shingles under 12 years or metal roof in good condition, and generally Protection Class 8 or better, with some Class 9-10 eligibility if visible from the street and within 300 feet and sight of at least two other occupied dwellings; ML-2ACV for older above-standard homes in excellent repair, minimum Coverage A $50,000, minimum market value $35 per square foot, similar heating/electrical expectations, and Class 8 or better with limited Class 9-10 acceptability; ML-1 Basic ACV for older lower-value homes in good condition with pride of ownership, age under 60 years, minimum Coverage A $40,000, grounded service with fuse or breaker boxes acceptable, and all protection classes acceptable if in sight of at least one other dwelling. Applicant expectation across forms is financial stability supported by a good financial responsibility report. Publicly stated roof restrictions include no roll, flat, or built-up roofing on upper tiers; older/basic forms allow metal, tile, or slate if in good condition. Homes built before 1900 should be submitted for prior approval under ACV programs. Geographic note: FMT currently provides service only for properties located in Tennessee, and quote intake requires the physical Tennessee property address with no PO Box. Public quote intake also indicates required submission fields such as proposed effective date, occupancy, coverage amount, deductible, liability limit, medical payments limit, year built, construction type, and primary heat source. Producer note: the public Agent Portal confirms agents use portal resources including BriteCore and flood insurance access; no newer public appetite bulletin or broker submission guide beyond the homeowners risk selection materials was verified on the official site.