Grange 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 consumer-facing home insurance guidance only; no public official underwriting appetite guide, broker submission manual, or producer-only home appetite page was found on the verified public site. Current published positioning indicates Grange writes home insurance through independent agents and offers home coverage in Georgia, Illinois, Indiana, Iowa, Kentucky, Minnesota, Ohio, Pennsylvania, Tennessee, Virginia, and Wisconsin. Preferred business appears to be standard personal lines homeowners placed through local independent agents, including buyers seeking bundled home/auto placement and customers eligible for common discounts such as multi-policy, prompt payer, and home buyer. Publicly described coverage focus includes dwelling, personal property, personal liability, and optional discussion with agents around additional protection; business-use-at-home exposures may require endorsement or separate business solutions rather than reliance on base homeowners coverage. Geographic note: availability and discounts vary by state, and the site expressly directs agents/customers to confirm eligibility and coverage details by state. Risk/control signals from Grange’s published inspection guidance suggest underwriting sensitivity to property condition and loss potential, especially for older homes, high-value homes, and properties in catastrophe-prone areas such as wildfire or hurricane zones; inspections may occur at new business or renewal. High-value homes may require interior and exterior inspection with the insured present. Grange also states some home customers may complete a DIY digital inspection/photo submission process, and agent follow-up occurs if concerns are identified. Publicly noted risk change triggers that should be disclosed to the agent/carrier include renovations, new detached structures, pools, trampolines, dogs, and home-based business activity, all of which may affect eligibility, pricing, or required coverage structure. Submission/placement expectation: business is distributed exclusively through independent agents rather than direct writer channels; applicants are directed to find a local agency for quote, eligibility, discount, and coverage confirmation. Broker/producer note: because no public appetite bulletin or restricted/declined class list was found, assume standard-agent underwriting review for nonstandard occupancy, higher-hazard premises conditions, catastrophe-exposed properties, and mixed home/business risks, and obtain full risk details, inspection cooperation, and any requested photos/documents at submission or post-bind review.