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 official carrier presence is through AAA / The Auto Club Group rather than a public underwriting or broker appetite guide for Members Insurance Company. The public AAA insurance site states The Members Insurance Company underwrites personal lines in North Carolina for Auto and Home, so the verified geographic footprint for this carrier on the current site is NC personal lines only. No public producer, broker, underwriting appetite, submit-business, or class-by-class risk guide for home risks was found on the official site. Current public-facing home guidance is consumer-oriented: coverage is subject to underwriting requirements, availability varies by state, and policies are built through AAA agents. AAA promotes home coverage for owner-occupied personal residences with standard homeowners features and optional endorsements such as service line, scheduled personal property, home day care, incidental rental/home hosting, and umbrella; discounts noted include multi-product, advance purchase, prior insurance, claim-free, home buyer, retired homeowner, roof/safety device, hail-resistant roof, and Fortified Home where available. Because no official underwriting bulletin or appetite page was located, restricted or declined classes, protection class rules, age/value/roof thresholds, catastrophe or coastal restrictions, vacant/seasonal limitations, and submission documentation requirements could not be verified from public official sources. Operationally, treat this as a personal-lines consumer product distributed via AAA agents in NC, with quoting and placement subject to carrier underwriting review and state availability. Producer/broker note: no public broker portal or submission instruction page was verified; public instructions direct insureds/prospects to request a quote, contact an AAA agent, manage policy documents online, and use carrier service numbers for claims/payments.