Poweshiek Mutual Insurance
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 carrier is now branded as United Mutual, the successor brand for Poweshiek Mutual. For Home, the published core form is the Home-Guard package for owner-occupied and related personal lines exposures, with multiple forms/options shown: HG 2 Broad Form, HG 3 Select, HG 5 Comprehensive, HG 4 Tenant, HG 6 Condo, HG 9 Property, plus Mobile Home-Guard Broad Form, Manufactured Home-Guard, and Tenant Mobile Home-Guard. Published positioning indicates a preference for Iowa homes where coverage can be tailored with deductibles, endorsements, and discounts, and the carrier highlights on-site field underwriting surveys as part of the process. The website does not publish a formal broker-facing appetite/declination grid, minimum eligibility rules, protection-class limits, age/condition restrictions, or explicit prohibited classes, so restricted/declined risks are not specifically verified from official public guidance. Geographic note: official history page states writing territory expanded to the entire state of Iowa in 2026, while the separate territory map page still says coverage is offered in 80 of 99 Iowa counties; this appears inconsistent, so Iowa-only footprint is clear but county availability should be confirmed directly with the carrier or appointed agent. Submission/placement guidance is agent-centric: insureds are instructed to work through an agent, and the carrier repeatedly notes to contact your agent for endorsement options or non-listed needs. Practical producer note: United Mutual emphasizes independent agency partnerships, field underwriting/loss control support, and customized policy discussion for risks not specifically listed on the website. Public contact points include Grinnell, Iowa headquarters, phone 641-236-6543, general email info@unitedmutual.com, and named underwriting/agency staff on the staff page, but no dedicated online broker submission portal or public producer manual was verified.