First Mutual Insurance Company
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
Official public-facing producer guidance appears limited. FMIC is actively expanding independent agent representation in North Carolina, South Carolina, and Tennessee and publicly positions itself as a market for monoline homeowners, customized farmowners, high-value home, and poultry/swine package business. For Home, the site emphasizes affordable pricing, enhanced coverage, and discount pricing for qualified risks, but does not publish a detailed public appetite guide with construction, age, protection class, loss history, or occupancy thresholds. Geographic footprint shown on official pages is NC, SC, and TN; the website states it is intended for residents of those states, and product/agent materials consistently reference those territories. For producer/broker notes, FMIC distributes through appointed independent agents; consumer quick quote for homeowners is currently under construction, and prospects are directed to find an appointed FMIC agent. For agency appointments, FMIC instructs interested agencies to complete the Agent Opportunities Form and submit it to the Marketing Department; company personnel will then contact the agency regarding appointment. Publicly stated product features relevant to producers include monoline homeowners availability and no consent to rate in North Carolina. No explicit public declined or restricted home classes were found on verified official pages; therefore any class restrictions, binding authority, inspection/photo requirements, CAT/coastal rules, minimum premiums, or submission data requirements are not publicly posted on the verified pages reviewed. A notable underwriting/inspection detail appears in the site terms: FMIC references CHRP AI-based home health reports and self-guided property surveys, stating AI is used to aid underwriting risks and verify pictures insureds send in, suggesting property photo/survey support may be part of underwriting operations even though formal submission instructions are not published.