Madison 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
Verified official Indiana agent resource page is active and currently publishes an IN Homeowners Manual dated 2.2026, plus an HO Enhancement Quick Reference Guide and supporting underwriting/service forms. Public-facing home product materials indicate Madison Mutual writes homeowners and also offers condo, renters, and liability-only home options, with available add-ons including replacement cost coverage, scheduled personal property, water back-up, equipment breakdown, earthquake coverage, and watercraft coverage. Public site materials suggest a personal-lines focus in the Midwest and service territory includes Indiana, Illinois, Missouri, and Wisconsin. For Indiana producers, submission/servicing support includes the homeowners manual, quick-reference guide, statement of no loss, cancellation request, agent of record change, roof exclusion form, other-structure exclusion form, ACH/credit-card authorization, and agency update forms. Producer notes: Madison Mutual states it works with independent agents, emphasizes needs-based criteria with little need for underwriting approval, provides agent portal/digital tools, and identifies an Indiana field marketing contact for agency appointment. No public, page-level appetite detail or explicit declined/restricted home classes were visible on the indexed pages without opening the carrier-hosted manual/PDF itself, so preferred risks and hard declines should be confirmed directly from the current Indiana Homeowners Manual and HO quick-reference guide before binding. Geographic note: guidance here is specific to Indiana agent resources; broader company footprint is Midwest/regional rather than nationwide.