Members 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 authoritative, carrier‑issued underwriting, appetite, or producer guidance for Members Insurance Company (homeowners) could be confirmed from official sources. Findings: - Public regulatory and market references (e.g., NC DOI market conduct and industry file listings) indicate that a "Members Insurance Company" writes personal lines including homeowners/property in the U.S., but they do not provide any detailed or current underwriting or appetite criteria for brokers. - No official carrier website, producer portal, underwriting manual, or appetite guide specific to Members Insurance Company Home could be located. Available mentions are secondary (state filings lists, complaint/market reports, and third‑party directories) and do not contain operational underwriting rules, preferred/declined classes, geographic appetite, or submission workflows. Because of this, the following cannot be reliably documented for Members Insurance Company Home at this time: - Preferred or target risks (construction, age of home, protection class, loss history, coverage limits, etc.). - Restricted or declined classes (coastal/cat‑exposed, certain roof types, vacancy, short‑term rentals, prior losses, protection deficiencies, etc.). - Geographic appetite beyond the fact that the company is referenced in U.S. regulatory materials; specific state, county, or coastal distance rules are not published. - Submission/placement process (whether they write only through an affiliated agency, credit‑union/association program, exclusive agents, or select wholesalers; required documents; advance bind authority; inspection rules). - Any broker/producer compensation, appointment, or workflow instructions. Operational guidance for brokers/producers: - Treat Members Insurance Company Home as having **no publicly documented open brokerage appetite**. If you see this paper on a declaration page or download, assume it is being placed through a **program, captive/exclusive agency, or private label channel** rather than an open market. - For new business or mid‑term changes, rely on: (1) your agency’s producer/marketing bulletin for the specific program, and (2) the underwriting notes in the carrier/program portal rather than trying to infer appetite from public sources. - For due‑diligence or compliance questions (e.g., cancellations, non‑renewals, or rating/underwriting disputes), consult the applicable state DOI filings and your program administrator; there is no accessible master underwriting guide to reference. If you obtain an internal or agency‑distributed Members Insurance Company underwriting guide or appetite sheet later, that internal document should supersede this placeholder summary for day‑to‑day underwriting decisions.