RAM Mutual
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 public-facing guidance is limited; no standalone public appetite guide or producer submission manual was found. For Home, RAM publicly states it writes personal lines in Minnesota and North Dakota. In Minnesota, it offers package policies for owner-occupied dwellings, tenant policies, seasonal dwellings, plus direct homeowners and dwelling fire. In North Dakota, it offers homeowners, mobile homeowners, and dwelling fire. Public materials suggest a regional personal-lines appetite focused on standard residential risks in MN/ND, with broader cross-sell options including liability, inland marine, and umbrella. Preferred business appears to be standard owner-occupied homes, tenant risks, seasonal dwellings in Minnesota, and standard homeowners/mobile homeowners/dwelling fire in North Dakota. Restricted or declined classes are not clearly published on the public site; however, carrier loss-control material highlights scrutiny around solid-fuel/wood-burning exposures, including annual inspection recommendations, proper chimney construction, and carbon monoxide/smoke alarm requirements, which may indicate underwriting sensitivity for homes with wood stoves or similar heating devices. Geographic notes: personal home products are explicitly shown for Minnesota and North Dakota only. Submission/distribution notes: RAM routes consumer business through its agent network via its agency locator, and agent/business partner portals exist but their underwriting content is not publicly accessible. Broker/producer notes: no public broker submission instructions, target risk checklists, or class-specific declinations were verified; producers likely need portal access or direct contact with RAM for detailed appetite, restrictions, and submission requirements. Additional context from RAM’s 2026 financial report indicates the carrier had previously imposed underwriting restrictions and later removed restrictions on new business at the start of Q4 2025, suggesting recent normalization of new business appetite, but this is not a line-specific public underwriting guide.