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 is a regional personal lines carrier serving Washington and Oregon residents only. For the requested lines, currently published guidance supports personal home and boat/watercraft business rather than a broad commercial or broker-facing appetite guide. Preferred business appears to be owner-occupied personal residences in WA/OR and personal-use boats/personal watercraft for WA/OR residents. Home underwriting notes published to consumers indicate replacement cost is based on rebuild considerations such as geography, materials/labor, and site access; PEMCO also reviews wildfire risk at application and renewal, and mitigation actions or Firewise participation may be considered but do not guarantee issuance or renewal. Home restrictions/exclusions called out publicly: earthquake is not covered on renter/condo/homeowner policies, flood from outside the home is not covered, and scheduling/contact is needed for higher-value specific items such as jewelry or bikes. Boat/watercraft guidance shows coverage for boats, personal watercraft, motors and trailers, with operating territory on inland waters/lakes/rivers in the lower 48 states or Canada, plus up to 75 miles off the Pacific coast excluding Alaska and up to 12 miles off the Queen Charlotte Islands. Boat optional features include agreed value, emergency service, personal belongings up to $5,000, fishing equipment up to $10,000, and mechanical breakdown for certain motors. Boat eligibility/use restrictions publicly noted: personal watercraft must be listed on the policy, and coverage extends only to operators listed on the PEMCO Mariner policy. Submission/underwriting requirements noted publicly: PEMCO orders a CLUE report during the application process and uses loss history plus driving activity/MVR information to determine eligibility and rate; quotes are initiated online or by phone, and insureds can contact PEMCO or local agents for placement help. Broker/producer notes: no verified public broker appetite or producer submission page was found from official sources during this refresh; PEMCO appears primarily direct-to-consumer with agent locator support rather than a public wholesale/broker submission guide.