Pemco
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
PEMCO appears to write personal lines business for residents of Washington and Oregon only. Publicly available guidance is consumer-facing rather than a formal underwriting/appetite guide, but current official pages show eligibility limited to WA and OR residents for auto, home, boat, and umbrella. For homeowner review, PEMCO states wildfire mitigation actions and Firewise participation are considered in underwriting review, but they do not guarantee new business acceptance or renewal. Home FAQs also indicate standard renter/condo/homeowner policies do not cover earthquake or flood; PEMCO Agency may help place earthquake coverage with a specialized carrier and flood through NFIP. Claims/loss history and driving activity are used in eligibility/rating via CLUE and Motor Vehicle Report during the application process. Boat/public guidance is narrow: personal watercraft can be covered only if specifically listed on the Mariner policy, and coverage extends only to operators listed on the policy. Product filings/contracts currently published show active personal lines forms for WA/OR home, renters, condo, dwelling property, boat, and umbrella, including recent effective dates for WA home (2/15/2026+ forms), WA boat (7/1/2025+ Mariner), WA umbrella (12/10/2025+ form), OR boat (11/21/2023+ Mariner), and OR umbrella (10/23/2023+ form). Restriction/exclusion signals visible on official forms pages include no standard earthquake or flood coverage under core home forms, and no liability coverage for home day care business on certain home/renter/condo forms; umbrella form materials also indicate short-term rental/business-type exposures can be treated as business, suggesting caution for Airbnb/VRBO-type risks. Submission/producer notes: quotes can be initiated online or through local PEMCO agents; agent-facing access exists via pemcoagents.com with MFA, indicating appointed/authorized agent workflow rather than an open broker submission portal. No public official appetite bulletin, class list, or broker submission checklist was found, so guidance should be treated as high-level eligibility/product-positioning only.