Pike 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 current guidance indicates Pike Mutual has been merged into 1859 Mutual, which now writes property business in Ohio only through local independent agents. For Home, the carrier’s public-facing appetite is Ohio homeowners insurance placed and serviced exclusively by local independent agents, with supporting public references also to landlord/dwelling and farm property risks. Agent-facing submission guidance is available through the official Quick Quote page rather than a narrative appetite guide. The submission form shows target/potentially acceptable occupancies and policy types including Homeowner, Rental, Seasonal, Tenant, and Farm, plus owner-occupied, tenant-occupied, vacant, under-construction, and under-renovation dwellings. Construction options shown are masonry, frame, and mobile home. Required underwriting data on the quote form includes dwelling details, square footage, outbuildings, liability limits, medical payments, and photos. The carrier also asks detailed eligibility/risk-screening questions on bankruptcy, felony history, for-sale/foreclosure status, prior cancellation/nonrenewal/declination, fire-loss history, total losses in the last 5 years, solid-fuel appliances, mobile home park status, student occupancy, stair/railing and porch hazards, open stairways to second-floor apartments, solar panels, dogs and breeds, swimming pool/pond and diving board/slide, babysitting/day care for pay, water backup, trampoline and whether anchored/netted, business pursuits on premises, HOA/condo association status, and other hazards such as knob-and-tube wiring or fuel-oil heat. These questions indicate heightened scrutiny or possible restriction for prior losses, fire history, underwriting cancellations, hazard liability features, business activity, structural safety defects, and older or atypical property hazards. Geographic note: business is Ohio-only / statewide Ohio. Producer note: every policy is placed through an independent agent; for agencies seeking appointment, 1859 Mutual markets admitted paper for hard-to-market standalone homeowners risks and offers a contingency program. Submission note: the quote form expressly states that submitted information is used with claims and credit history to determine eligibility and renewal, and submission does not constitute consent to bind.