Forward 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
Forward Mutual currently presents itself as a Wisconsin-focused mutual insurer serving home and farm owners throughout Wisconsin. For Home, the official product page shows appetite for owner-occupied personal residences including homeowners, renters, condominium unit-owners, and mobile homes. Preferred business appears to be standard personal residential risks written through local independent agents, with flexible Home-Guard coverage for dwelling, other structures, personal property, liability, and additional living expense. The carrier also promotes optional home-related add-ons such as home-based business coverage (when the primary residence is insured with Forward Mutual), inland marine/scheduled valuables, personal cyber protection, service line, and homeowners equipment breakdown. Geographic scope is explicitly Wisconsin only. No formal public underwriting appetite guide, producer portal, class eligibility grid, or explicit public decline list was verified on the official site. Publicly available restrictions are therefore limited; however, home-based business coverage is conditional on the primary residence being insured with Forward Mutual, and condo coverage is oriented to unit-owner exposures rather than the association master policy. An official agent-facing Home-Guard highlight sheet was found on the carrier site and shows minimum limits/forms: HG2 Broad Form dwelling minimum $50,000; HG3 Special Form dwelling minimum $100,000; HG5 Comprehensive Form dwelling minimum $200,000; HG6 Unit-Owners minimum $5,000; renters/contents form minimum personal property $10,000 with stated maximum $100,000; unit-owners personal property minimum $10,000 with stated maximum $200,000. The same sheet indicates named-peril or open-peril options by form and replacement-cost terms on selected forms, with higher limits and other options available through the agent. Submission/producer handling on the public site is agent-driven: prospects are directed to contact a local agent for quotes, discounts, and coverage details, and policy/service questions are routed through the local agent. Broker/producer note: use Wisconsin independent-agent distribution, confirm form/limit fit via the Home-Guard agent materials, and expect limited public underwriting detail beyond product descriptions rather than a standalone published appetite or submission guide.