North Country Insurance Company
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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 website and an official homeowner underwriting guideline PDF. For Home, North Country targets 1-4 unit owner-occupied private residences, including townhouses and condos, and also writes secondary, seasonal, and tenant homeowners forms. Core eligibility includes private residential use only, insureds expected to be safety-conscious, minimum 100-amp electrical service, central heat unless pre-approved, and compliance with local/state codes. Coverage A must meet stated insurance-to-value thresholds using a current MSB/MS&B replacement cost estimator; minimum Coverage A thresholds shown are $125,000 for ML-5, $100,000 for ML-3, $75,000 for ML-2, $50,000 for ML-1, and $20,000 for tenant homeowners, with at least 50% of replacement cost required to qualify for the homeowner program. Mandatory policy items include trampoline exclusion, canine exclusion, lead exclusion for pre-1980 or 2+ unit dwellings, inflation guard on all policies, and the seasonal/secondary endorsement for seasonal risks. Restricted/declined or generally ineligible risks include any commercial exposure in the dwelling, poor maintenance/housekeeping, foreclosure or litigation, property within 1 mile of ocean/ocean bay/ocean sound, underground or unprotected fuel tanks, most fuel tanks other than current heating tanks up to 500 gallons, property insured in the mortgagee name, property for sale without prior approval, vacant/unoccupied property, prior company cancel/decline/nonrenewal without approval, poor loss or credit history, flat/cedar/slate/rolled roofs without approval, unfenced in-ground pools or diving boards, aggressive dogs or bite history, trampolines, daycare/nurseries, wood stoves in private/farm outbuildings, horse boarding, horses used by non-household riders, farming exposures except narrowly incidental operations, agricultural structures beyond stated limits, buildings under 20 feet from another structure without approval, mobile homes/double-wides, and pier-foundation structures that are limited to ML-1 unless approved. Geographic note: the company is based in New York and the guideline specifically restricts coastal exposures within 1 mile of ocean/ocean bay/ocean sound. Submission requirements are detailed: fully completed NCIC homeowners application or ACORD with NCIC supplemental application, signed by the named insured and submitted within 10 working days of binding; company must be notified immediately upon binding; at least front and rear dwelling photos, plus photos of other insured structures; tenant risks with Coverage C at $50,000 require a contents-location photo; current MS&B replacement cost estimator required; wood-burning risks require questionnaire plus installation photos; and 10% down payment is required. Broker/producer instructions: binding authority is limited to $400,000 Coverage A per solid risk and $1,000,000 liability, binders cannot exceed 30 days and must be sent to the company immediately, no binding during tropical storm/hurricane/tornado watch or warning affecting the risk area, excess limits or unlisted classes require company approval, and risks previously canceled/nonrenewed by NCIC cannot be rebound without specific written authorization. For dwellings under construction or renovation, company guidance allows only primary or secondary dwellings expected to be completed and occupied within 60 days, written on ML-1 or ML-2 until complete, with 10% down, minimum retained premium of $400, supplemental questionnaire required, and no binding authority because these are subject to company approval.