Forreston 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
Forreston Mutual’s publicly posted appetite is personal lines/property-focused and Illinois-only. For Home, the company states it serves owner-occupied small to mid-sized homes with reconstruction values under $300,000, plus manufactured homes and renters, and it notes eligibility can extend to homeowners operating hobby farms. The carrier emphasizes flexibility rather than a formal decline list: it may limit or exclude specific coverages or property hazards that increase risk instead of automatically declining, and offers deductibles from $750 to $5,000. Publicly visible optional coverages include replacement cost on personal property, identity theft expense, water backup, earthquake, ATVs, golf carts, and boats. Geographic notes: Forreston Mutual says it provides insurance for homes and farms in Illinois and sells exclusively through independent agents located in and around small- to mid-sized towns throughout the state. Related publicly posted appetite signals include Farmowners for smaller-scale, family-run and hobby farms with operations up to 2,500 acres, and Landlords for one- or two-family rental dwellings and manufactured homes. No official public producer/broker appetite guide, submission checklist, or class-by-class restricted/declined schedule was found on the carrier website. Broker/producer notes available publicly: business is written through independent agents only; agents have a dedicated login portal; and the carrier’s contact page states coverage cannot be bound or altered via fax, voicemail, text, email, or social media. Submission requirements were not publicly detailed beyond contacting/writing through an appointed independent agent and using the carrier/agent contact channels.