Loudoun 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
Publicly accessible underwriting detail is limited because Loudoun Mutual’s formal manuals and forms are behind an agent login/password. Operational guidance must therefore be inferred from published agent notices rather than full rule text. 1) Overall / Access to Rules - Full underwriting manuals and forms (including the current “Underwriting Guidelines 04 25” document) are available only via the password‑protected Manuals & Forms section linked from the Agents page, so agents must use agent credentials to view binding rules, eligibility, and class-specific guidance. 2) Recent Underwriting Guideline Changes (effective 2025) - A revised set of underwriting guidelines titled “Underwriting Guidelines 04 25” is now in force; agents are directed to this document for complete rules. - New items added to “Risks Requiring Company Approval Before Binding,” meaning agents must not bind these without explicit underwriter approval: • Roof age – standard 3‑tab asphalt shingles ≥15 years: - 15–19 years: require at least an ACV roof endorsement (Roof Surfacing Amendment – Actual Cash Value Terms) and/or a higher deductible. - ≥20 years: require a roof exclusion; agent must contact an underwriter for the appropriate exclusion and approval before binding. • Roof material – any risk with: wood shake roofs, copper roofs, metal shingle roofs, or asbestos shingle roofs now requires company approval prior to binding. • Liability exposure – short‑term rentals with livestock on the same premises are flagged as requiring company approval before binding (heightened liability risk). - Maximum Coverage A limits have been updated: • New maximum Coverage A limit is $3,000,000 for Homeowners, Dwelling Fire, and Farmowners policies. • Agent binding authority remains capped at Coverage A of $1,000,000; anything above $1,000,000 must be submitted for company approval before binding. 3) Target / Preferred Exposures (inferred) - Company positions itself as a primary property writer for Virginians and emphasizes traditional homeowners, dwelling fire, and farmowners risks; higher‑value homes and secondary homes are specifically identified as target segments for certain loss‑control programs (e.g., leak/freeze sensors). - Properties with modern, well‑maintained roof systems and without unusual roof materials or livestock‑related short‑term rental exposures will be more straightforward for standard binding within authority. 4) Restricted or Heightened‑Scrutiny Risks (operational view) - Roof‑related restrictions: • Any 3‑tab asphalt shingle roof ≥15 years: must apply ACV roof terms and/or higher deductibles for 15–19 years; ≥20 years cannot be bound without an underwriter and will typically require a roof exclusion endorsement. • Non‑standard roof materials (wood shake, copper, metal shingle, asbestos shingle) are no‑bind without underwriter review. - Liability exposures: • Short‑term rentals where livestock is also present on the premises are not to be bound without prior company approval. - High Coverage A limits: • Risks needing Coverage A limits between $1,000,000 and $3,000,000 in Homeowners, Dwelling Fire, or Farmowners must be referred; they are not within standard binding authority even though they are technically within company capacity. 5) Geographic Notes - Loudoun Mutual explicitly markets itself as insuring “Virginians” and as a leading property insurance writer in Virginia; agents should assume underwriting appetite is focused on in‑state property risks and confirm eligibility for any out‑of‑state exposures using the manuals or an underwriter. 6) Submission / Binding Expectations for Agents - Agents must: • Use the Agents portal and Manuals & Forms section to obtain the latest underwriting guide (e.g., “Underwriting Guidelines 04 25”) before quoting or binding new business. • Seek company approval before binding when: - Roof conditions or materials fall under the newly flagged categories. - Liability exposures include short‑term rentals with livestock. - Coverage A exceeds $1,000,000 for Homeowners, Dwelling Fire, or Farmowners. • Apply required endorsements and deductible structures when dealing with older roofs (ACV roof endorsement and higher deductibles as specified). - Multi‑policy discount change (as of 1/1/2025): • Umbrella‑related multi‑policy discounts on Homeowner and Farmowner policies are now capped at $350 (Homeowners) and $500 (Farmowners). Agents must ensure rating and proposals respect these caps. 7) Broker / Producer Notes - Communication of underwriting changes is distributed via Constant Contact email and mirrored on the Agents page under “Recent Agent Email Notices”; producers should monitor these notices for interim changes in appetite or binding authority. - For detailed class eligibility, geographic nuances, and any prohibited classes beyond what is publicly summarized, agents must log in to review the full Underwriting Guidelines PDF and contact their underwriter when in doubt, particularly for: • Older or specialty roofs. • Farm or agritainment operations with short‑term rentals and animals. • Higher‑limit dwellings and farms above $1,000,000 Coverage A. Because the core underwriting manual is not publicly visible, any additional class‑ or territory‑specific restrictions, surcharges, or prohibited risks must be confirmed directly in the internal guidelines or with underwriting.