North Country 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 guidance remains centered on the North Country Insurance Company Homeowners Policy Program manual. For Home, the carrier’s published eligibility targets owner-occupied dwellings used only for private residential purposes; tenants; owner-occupied condominium units; co-owner situations where each occupies a separate apartment; intended owner-occupants of dwellings under construction; seasonal dwellings; non-owner-occupied condominium units used exclusively for residential purposes when a rental manager/agent is on premises year-round; and modular homes on permanent foundations. The residence must be used exclusively for residential purposes except declared incidental occupancies allowed by the manual, and may contain no more than four families and no more than two roomers or boarders per family. Published ineligible risks include manufactured homes, trailer homes, house trailers, and property requiring farm forms or farm rates. Operational underwriting notes in the manual indicate protection/rating distinctions for protected, semi-protected, and unprotected locations; replacement cost requires insurance to at least 80% of replacement cost using the current Marshall & Swift/Boeckh estimator, ACV is used when insured for less than 80% but not less than 50%, alternative replacement cost options are available at 50% or 100% thresholds depending on form, and market valuation is available beginning at 30% of replacement cost for qualifying dwellings. The manual also shows optional endorsements/charges relevant to underwriting, including solid-fuel auxiliary heating surcharge, business pursuits liability, bed & breakfast liability, golf cart liability, condominium coverages, added water damage, and lead exclusion for business-use areas of older residences. Geographic guidance is not expressed as state-by-state appetite on the public site, but the company is New York-based and the manual uses territorial zones 1-10 and fire protection definitions rather than broad multi-state appetite language. Submission/producer instructions publicly available are limited: agents access business through the Agent Center/login, claims should be reported once only either online, by phone, or via the agent, and the public directory identifies underwriting contacts by segment, including Homeowners/Seasonal Homeowners and separate Landlord/MHO/Farmowners handling, plus an underwriting fax line. No newer public appetite bulletin or producer submission guide was verified beyond the currently posted homeowners manual, so this appears to remain the primary official underwriting reference available on the site.