Grayson-Carroll-Wythe 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 website confirms Grayson-Carroll-Wythe Mutual is a Virginia-only property insurer with products for homeowners, fire, farm, and church risks. For Home, the published appetite is focused on private residential property in Virginia, including owner-occupied dwellings and related personal lines forms. The homeowners page states it offers HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8, designed for owner-occupied dwellings used for private residential purposes, with endorsements tailored by agent. The company also publicly notes broader property capability for conventional built homes, kit log homes, mobile homes including homes built around a mobile home, and rental dwellings statewide in Virginia. Geographic note: business is written in Virginia only. Preferred business appears to be standard residential property placed through local independent agents, especially owner-occupied homes and other Virginia-based property risks. Restricted/declined guidance is not published in a formal appetite guide; no explicit declination list was found on the official site. Practical caution from the site suggests the insurer is property-focused rather than broad casualty-focused, and church business is specifically described as eligible when risk values are less than $2,000,000. Submission/producer notes: no online broker submission portal or detailed underwriting checklist was found on the public site. Distribution is through independent agents; the site says it is represented by more than seventy independent agencies in more than eighty-five Virginia locations, and consumers are directed to Find an Agent. For agency appointments, the carrier invites professional independent agencies to contact Randall Carpenter and states it is currently seeking new appointments. No separate producer-only underwriting manual, appetite bulletin, or class-by-class submission standards were publicly verified. Operationally, use local independent-agent submission, expect Virginia property-only placement, and treat any class restrictions, valuation limits, protection-class preferences, or dwelling-condition requirements as agent/underwriter referral items unless confirmed directly by the company.