Heartland 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 guidance is published via Heartland Mutual’s Manual page, which links to a 2024 Underwriting Section and 2024 Agent Memo. Core appetite remains property-focused personal/farm business in Iowa, primarily for risks located in 34 counties from central Iowa north to the Minnesota border. For Home, Heartland writes owner-occupied residences, seasonal residences when it insures the primary home, residence-under-construction, rental dwellings, manufactured/double-wide homes, and certain mobile homes subject to tighter eligibility. Preferred characteristics include good maintenance/housekeeping, insuring to market value or required coinsurance, complete property details, and supporting homeowners business when placing related or secondary risks. Heartland also allows two homeowner packages for one named insured when both residences are owned by that insured and underwriting criteria are met; close-family occupancy may be considered for the second residence. Rental property requires supporting business; if no supporting homeowners business is placed, a minimum unsupported-business deductible applies. Geographic note: business is targeted to Iowa only, specifically listed counties; Kossuth and Webster Counties are not closed but are being monitored for concentration. Binding/submission rules are important: a quote is not a binder; a binder or completed application must be received by the home office; binding authority is limited to 30 days; paper applications are not accepted; applications should be submitted through the quoting/application system on the website/agent portal; insured and agent signatures are required and agents must retain signatures. New business may be surveyed by field staff. Submission data expected includes named insured information and SSNs, mailing/contact details, mortgagee/loss payee/titleholder, effective date and billing, 911 address, location details, year built, construction type, protection class, roof age, dimensions, building values, and attached equipment. Claim history is obtained via Lexis. For renewals/policy reviews, Heartland sends review lists about 60 days before anniversary; each policy should be reviewed with the insured at least every 3 years; replacement-cost dwellings require a new cost estimator and these RCEs must reach the home office 45 days before the renewal month. Home restrictions/declines noted in the manual: do not bind vacant property; coverage increases on vacant property require home office approval and vacant property does not qualify for broad form; no Federal Pacific Stab-Lok panels; all new risks require a 100-amp breaker panel with entrance in conduit; wood/pellet/corn stoves are not accepted in mobile homes, private structures/garages, or farm service structures, and rental-property solid-fuel devices are only considered after inspection/home-office approval; mobile homes in trailer courts/mobile home parks are not acceptable except certain seasonal lake settings; slate siding and slate roofs are excluded; vacant residences/service buildings, prior cancelled/refused risks, habitational units such as duplex/4-plex/6-plex, and Elite homes require or prohibit binding and must be referred to the home office before any action. For rental/home categories, minimum deductibles commonly shown are $1,000 all peril and $2,500 wind/hail, with higher deductibles optional. 2024 producer notes: effective March 1, 2024 Heartland increased rates 20% on all rate codes, added $10,000 and $25,000 all-peril deductible options, began obtaining insurance scores on all new business, and emphasized collecting construction type, year built, roof year, and protection class. Broker/producer operational notes: use the agent portal for claims, forms, payments, and agent materials; contact the home office before binding the specifically restricted classes above; agents should monitor policy delivery/payment due dates to avoid cancellations; if a non-insured party handles business, submit authorization or power of attorney. No separate public broker appetite page was found beyond the manual and agent portal resources.