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 producer resource page for Indiana shows a current Homeowners Manual dated 2.2026, plus an HO Enhancement Quick Reference Guide and related underwriting/forms resources. For Home, Madison Mutual markets standard personal lines homeowners coverage and publicly highlights agent-tailored policies for owner-occupied homes, with identity theft restoration automatically included. Public-facing home options also include condo, renters, and liability-only forms, with optional add-ons such as replacement cost, scheduled personal property, water back-up, equipment breakdown, earthquake coverage, and watercraft coverage. Producer resources indicate Indiana-specific supporting forms including mine subsidence, roof exclusion, other structure exclusion, statement of no loss, driver exclusion, cancellation request, ACH/credit card authorization, and agent-of-record change forms. Practical read: the carrier appears oriented to standard admitted personal lines written through agents in Indiana, with operational emphasis on using state manuals and endorsement/forms packages rather than a broad public appetite narrative. Geography verified on the official site includes Indiana, Illinois, Wisconsin, and Missouri. No explicit preferred class list, occupancy matrix, protection-class limits, age-of-home thresholds, or formal declined-risk list was found on the public pages reviewed, so those restrictions should be confirmed in the Indiana Homeowners Manual and enhancement guide before quoting. Submission/producer notes: business is agent-driven; use the Indiana agent resources page for current manuals/forms, submit through the agent portal/quote-management tools in Agent Zone, and use the listed forms when underwriting requires exclusions, no-loss confirmation, or payment/servicing changes.