Oregon Mutual 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 public guidance located is a California Personal Lines Property Underwriting Standards manual published July 2015; no newer public-facing official appetite, producer submission, or broker guide was verified on the carrier’s public website. The published guidance reflects a standard-to-preferred personal lines appetite focused on well-maintained owner-occupied homes showing pride of ownership, standard-or-better construction, and full replacement cost valuation. Fully completed applications are required within 15 calendar days of the effective date, and final approval remains with the regional personal lines underwriter. Older homes age 50+ require pre-approval before binding, current photos of all sides and the full property, and a signed Modernization Questionnaire; heating, plumbing, and electrical systems must be fully updated, not partially updated. Roof condition is material: wood shake roofs and composition roofs over 20 years old must be referred, and older tile/concrete/slate roofs may need roofer inspection. Risks in Protection Class 9-10 must be referred prior to binding; isolated risks are ineligible, year-round access is required, the insured must have a telephone, and woodstove primary heat is ineligible. Claims tolerance is limited: for otherwise superior accounts, one minor prior loss under $50,000 may be considered at new business if not due to gross negligence or fire and if repairs are completed and the cause remedied; other loss scenarios require underwriting approval. Business exposure is restricted: any business pursuits must be referred before binding; some incidental occupancies may be eligible, but a number of classes are specifically disfavored or declined, including bed and breakfast exposures, photography studios, dog handling/grooming, dance or aerobic studios, ceramic studios, data processing services, group lesson art/music studios, and occupancies with employees. Home day care can be written only with proof of separate day care liability insurance and a copy of the license within 30 days, and the home day care exposure is excluded from the homeowners policy. Secondary/seasonal homes may be eligible only when the primary residence is also written with Oregon Mutual, with liability extended from the primary policy. Notable property restrictions in the published manual include pools with slides or diving boards being ineligible and rental dwellings with pools or hot tubs not eligible for coverage. Wildfire/brush is explicitly restricted: dwellings in areas subject to dry grass, brush, or forest fire exposure and/or lacking proper vegetation management/defensible space are ineligible. Other notable ineligible premise features include earthen dams, reservoirs, or unfenced ponds. For watercraft, the manual requires a supplemental OMIM-4 form. Appetite appears limited to eligible boats endorsed to a homeowners policy, while ineligible watercraft include rough/whitewater craft, jet boats, homemade or kit boats, low-profile/high-powered or racing boats, performance ski boats, and Jet Skis/personal watercraft. Producer notes in the manual consistently direct agents to refer exceptions and borderline risks to the personal lines underwriter before binding, and several supporting forms are stated as being available through BizLink/producer resources, but no public producer portal guidance page was independently verified beyond an agent portal landing page.