First Maxfield Mutual Insurance Association
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 website and product/services page. No standalone public underwriting or appetite guide was found, but the carrier’s published materials indicate a local/regional property-focused appetite centered on homeowners in northeast Iowa, distributed through local community-based agents. For Home, First Maxfield markets Home-Guard® as broad protection for owner-occupied homes and personal property, with personal liability/personal acts protection. Public materials do not provide detailed class-by-class acceptability, construction/age limits, protection-class rules, valuation thresholds, or explicit decline lists. Restricted/limited indications from the site: liability is not monoline and must be written with a property policy; liability offerings shown are Farm Liability, Owners/Landlords/Tenants Liability, and Comprehensive Personal Liability. Geographic notes: company materials state it insures policyholders in northeast Iowa counties and historically expanded within that Iowa region; no evidence was found of a broader multi-state appetite. Preferred business appears to be eligible Iowa property owners/homeowners handled through local agents, with additional public emphasis on farm risks and tenant coverage as related lines. Submission/broker notes: business is agent-driven via the Find an Agent process; the services page directs prospects to contact a First Maxfield Mutual agent for fit and policy selection. Agent-facing public guidance is limited; an Agent Access page exists but no public submission standards were visible. Claims instructions provide an operational note that agents should follow the usual protocol through the IMT APPS system, suggesting partner-system handling for agent workflows. Overall, current public guidance supports writing local Iowa home/property accounts through appointed/local agents, but detailed underwriting appetite, ineligible classes, and submission requirements are not publicly posted.