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 website is United Mutual, the rebranded successor to Poweshiek Mutual. For Home business, currently published appetite supports Iowa home and property risks written through independent agents, including homeowners, renters, condo/dwelling, rental property, vintage/classic homes, and personal liability. The Home-Guard package is the primary homeowners form; the carrier also publishes a Dwelling policy for town and rural dwellings when Home-Guard or FarMate are not appropriate, including owner-occupied and tenant-occupied/rented dwellings. United states that policies are tailored to fit and that it provides an on-site field underwriting survey to help the agent place coverage, which is an important submission/inspection expectation for new business. Geographic guidance currently published shows coverage available in all 99 counties in Iowa, so the verified writing territory is statewide Iowa. Broker/producer notes available on the public site indicate the carrier works through agents, encourages contacting the agent for quotes and for endorsement options not shown online, and maintains dedicated underwriting, field underwriting, loss control, and agency partnership staff. Publicly posted materials do not provide a formal restricted/declined list, construction-age thresholds, protection class limits, occupancy prohibitions, or wildfire/roof/animal liability rules; therefore no specific decline classes could be verified from official public guidance. Operationally, preferred Home submissions appear to be standard Iowa owner-occupied homes and related personal-property risks that fit Home-Guard, plus simpler town/rural owner-occupied or rental dwellings that fit the Dwelling form, with agent coordination expected for product fit and any nonstandard coverage requests.