Hickory County Farmers 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
No dedicated underwriting, appetite, producer, or broker submission guide was found on the verified official website. Current published guidance is limited to general product availability and servicing/contact instructions. For Home business, the carrier publicly indicates it writes homeowners policies and distributes through 29 independent agencies across Missouri, suggesting Missouri-focused business placed via appointed/local agents. The site also lists additional personal/farm-oriented products including mobile home, rental, seasonal and vacant, renters, builders risk, liability, and certain farm and small commercial coverages, but it does not publish class-by-class eligibility, construction/age limits, protection class, valuation, occupancy, prior loss, or other underwriting criteria. No explicit restricted or declined classes were found on the official site. Geographic note: official materials reference agencies across the state of Missouri, with company contact based in Hermitage, Missouri; no out-of-state appetite was published. Submission/servicing expectations published by the carrier emphasize agent involvement: insureds are directed to find an agent from the company’s agent list; claims are submitted by contacting the agent; billing plan changes are made through the agent; autopay can be set up online or through the agent’s office; paperless billing can be managed through the payment portal or by email. Notable producer/broker notes available: the site names an underwriter contact (Sara Duke) and office contacts, but it does not provide formal broker submission instructions, appetite guidelines, appointment details, downloadable applications, or required submission checklists. Operationally, treat this as a Missouri mutual carrier with publicly confirmed home/farm-related product offerings but no online verified underwriting guide; obtain appetite specifics directly from the underwriter or listed independent agents before marketing or submitting business.