Floyd County 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
No standalone underwriting, appetite, or producer submission guide was verified on the official site. Current published guidance indicates Floyd County Mutual writes farm, homeowners, and renters insurance and operates on a local-agency model. For Home, the practical target appears to be standard personal lines homeowner and renter risks placed through listed local agents. Geographic scope is explicitly limited to eight Iowa counties: Floyd, Chickasaw, Bremer, Butler, Franklin, Cerro Gordo, Mitchell, and Howard. No official online detail was found on construction, protection class, age, loss history, occupancy, seasonal, vacant, high-value, animal liability, or other class-specific restrictions/declinations, so those items remain unverified from public carrier materials. Submission/servicing expectations that are published: prospects should contact one of the listed local agencies to request a quote or make policy changes; the carrier states it cannot bind coverage or accept changes via email or voicemail, and insureds should contact their agent directly. The site also includes an agent log-in link, which indicates agent-based servicing, but no public broker packet, appetite matrix, or new-business checklist was found. Broker/producer note: use appointed/local agency contacts for quoting and servicing, and do not rely on direct email or voicemail for binding or policy change requests.