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 official guidance located in Oregon Mutual’s California Personal Lines Property Underwriting Standards (July 2015), which appears to be the currently accessible official underwriting document for Home and Watercraft. Preferred homeowner risks are owner-occupied residences showing pride of ownership, good housekeeping, standard-or-better construction, and ongoing maintenance. Agency front-line screening is expected, with a fully completed application required within 15 calendar days of the effective date. Final approval remains with the personal lines regional office underwriter. Older homes require extra scrutiny: dwellings age 50+ need pre-approval before binding; wiring must be on circuit breakers with Romex or flex conduit; for 50+ homes, heating, plumbing, and electrical systems must be appropriately updated, with no partial system updates accepted. Current photos of all sides of the home and the full property are required for 50+ dwellings, plus the insured-signed Modernization Questionnaire (Form G1004H) referenced as available on Biz Link. Roofs must be in good condition; wood shake roofs and composition roofs over 20 years old must be referred before binding. Rental/occupancy notes: liability for rentals is not available as a homeowner extension; OL&T may be added to eligible dwelling policies; 3-4 family residences may be referred in the dwelling fire program before binding. Business exposure is limited: incidental business may be acceptable only when the home is primarily residential, with no exterior signage, no clientele or employees at the home, the insured’s primary business elsewhere, and no other business on premises. Acceptable examples include real estate, insurance, accounting, and telecommuting. Restricted/declined incidental occupancies include manufacturing, most retail/wholesale, repair/service operations, medical services, beauty/barber shops, group art/music instruction, ceramics, data processing, bed and breakfast, photography studios, dog grooming/handling, dance/aerobic studios, and any occupancy with employees. Home day care can be written only with evidence of separate day care insurance at matching liability limits and a copy of the day care license within 30 days, and the home day care exposure is excluded. Other-than-incidental business exposures require Oregon Mutual to also write the qualifying business under its Businessowners Program, with referral to the personal lines underwriter before binding. Loss history tolerance is limited: for otherwise superior accounts, Oregon Mutual will consider 1 minor new-business loss under $50,000, excluding gross negligence and any fire loss; water losses must be fully repaired and the cause corrected, and anything outside those parameters needs underwriting approval. Watercraft guidance is endorsement-only to a homeowner policy; monoline watercraft is not available. Submit form OMIM-4. Eligible watercraft are small-to-medium, conservative, stock pleasure-use boats only, with max speed 40 mph, max length 26 feet, and max value $55,000. Boats over 10 years old should be in superior condition, aluminum or fiberglass, and require a photo with the endorsement request. Ownership must be by an individual, resident relatives, or non-related co-residents who also co-own the dwelling. All operators need a valid driver’s license or permit; driving records must qualify for preferred auto coverage; youthful operator exposure must be referred before binding. Boats must be insured to 100% of current market value, supported by bill of sale, BUC Marine Guide, or appraisal. Broker/producer notes available from the guide emphasize agency front-line underwriting, timely submission of signed/complete materials, use of Oregon Mutual forms, and referral to the underwriter before binding on borderline, older-home, rental, business-exposed, youthful-operator, or otherwise exceptional risks.