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
Verified current official evidence shows The Members Insurance Company is an Auto Club Group / AAA personal-lines underwriting company for North Carolina home business. Official AAA pages identify this carrier as underwriting NC Home and NC Auto, and AAA’s claims/payments page lists direct service contacts for the carrier. No official public underwriting appetite guide, broker submission manual, or producer-only home underwriting bulletin for The Members Insurance Company was located on publicly accessible official carrier pages during this refresh. Operationally, treat this as a personal-lines homeowners market distributed through AAA/ACG agencies rather than an open broker/MGA market. Preferred business cannot be confirmed from a carrier-specific underwriting guide; based on verified public AAA home-program materials, the program appears oriented to standard owner-occupied home risks that fit conventional AAA homeowners placement, with pricing/eligibility emphasis on newer or renovated homes, verified newer roofs, and homes with protective devices or qualifying mitigation features. Public AAA materials highlight discounts or favorable treatment for new homes, renovated homes, roof-age verification, hail-resistant roofs, protective devices, Fortified/IBHS mitigation features, prior insurance, and bundled AAA policies, which are practical indicators of desirable home characteristics for quoting. Geographic note: official AAA agency pages specifically show The Members Insurance Company writing NC Home; public carrier identification did not verify home appetite outside North Carolina for this entity. Restricted or declined classes could not be verified from an official public appetite source, so no class-specific decline list should be assumed from this refresh alone. Submission requirements likewise were not published in a public producer guide; however, available official consumer-facing materials imply the importance of complete home characteristics such as year built/renovation, roof age verification documentation, protective device details, prior insurance, and bundling eligibility. Broker/producer note: no publicly accessible standalone broker appointment or submit-business instructions for this carrier were found; placement appears to flow through AAA/ACG insurance agencies and quote/contact forms rather than an open external wholesaler/broker submission portal. Because no verified official underwriting or appetite page was found, underwriting_page is left blank.