Meramec Valley 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 current verified official underwriting or producer/broker guidance could be confirmed for Meramec Valley Insurance Company as an active carrier. The only official carrier materials located were an outdated WordPress site and a 2011 underwriting manual, but Missouri Department of Insurance records show Meramec Valley Mutual Insurance Company became inactive effective December 31, 2022 after merging into CFM Insurance Inc. Because the carrier is inactive, the prior website and underwriting PDF should not be treated as current underwriting authority. Most recent verified published position: inactive/merged carrier; no current appetite or submission guidance verified under the Meramec Valley name. Legacy underwriting details from the last located official Meramec Valley manual (2011) for historical reference only, not current authority: Missouri-focused property writer; accepted business through properly licensed and approved agents via company website; homeowners required owner occupancy; company insured single-family homes and duplexes, and did not insure apartment buildings, triplexes, or quadplexes; liability only available on single-family homes and duplexes; adequate fire protection required, including property within 10 miles of responding fire department, year-round fire department access, and paid fire subscription if required; flood insurance not available; homes with knob-and-tube wiring were never acceptable; rental and seasonal dwellings generally had to be 15 years old or newer; roofs had to be in good to excellent condition; trampolines were prohibited on insured premises; certain dog breeds/exotic animals were restricted or ineligible for liability; travel trailers were not allowed; mobile homes had size and condition requirements, with skirting/underpinning and tie-downs required; payment had to accompany all applications. Submission/broker notes in the manual included: no backdating, no policy transfers, and late payments taken by an agent should be reported to the home office promptly. Operational takeaway: mark this carrier as inactive/merged, do not rely on the legacy WordPress or 2011 underwriting PDF for current placement decisions, and route any active-market appetite review to CFM Insurance or another currently active market.