Jerseyville Mutual Fire 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, broker, or producer submission guideline page was found on the verified official site. Current published guidance is limited and operationally indicates a small local farm mutual focused on personal/rural property business. The carrier publicly states it offers Home insurance, and also lists Rental and Farm products. Service territory is specifically limited to 11 Illinois counties: Jersey, Greene, Macoupin, Calhoun, Madison, Pike, Sangamon, Montgomery, Morgan, Scott, and Christian. Company messaging emphasizes home- and farm-based insurance products for individuals or entities within that footprint, suggesting local owner-occupied homes and other community-based personal property risks are preferred. No explicit restricted or declined classes, construction/age limits, protection class rules, occupancy restrictions, valuation limits, or catastrophe restrictions were published on the official website. Submission/quote handling appears agency-driven rather than direct-to-consumer underwriting; the site routes prospects to local agents or a contact form for coverage questions and quotes. Listed writing outlets are Whitworth-Horn-Goetten (Jerseyville and Carrollton) and Squier Insurance Agency (Carlinville, Hardin, and Pleasant Hill). Broker/producer note: use one of the listed local agencies for placement or quote requests; no downloadable applications, producer manuals, appetite matrices, or online submission specifications were found. Additional notable underwriting-related notice: the company posted that, following Illinois Farm Mutual Act changes under SB 765, it reduced catastrophic reinsurance from unlimited to 'adequate' coverage, increasing retained risk and the possibility that members may be assessed.