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
Public RAM Mutual materials do not publish formal, line‑by‑line homeowners underwriting rules; detailed eligibility and appetite guidance appears to be available only inside the secure Agent Login/portal. Operational guidance below is therefore limited to what can be inferred from current public product descriptions and territory statements and should be treated as high‑level only. Preferred business / target profile (Home & Dwelling): - Owner‑occupied one‑ to four‑family dwellings in Minnesota written on a package homeowners policy; RAM also writes separate dwelling fire and tenant policies in MN. North Dakota appetite includes homeowners, mobile homeowners, and dwelling fire policies, suggesting a broad appetite for standard personal residential risks in those two states only. - Accounts that can be packaged with other RAM personal lines (auto, umbrella, farmowners) and supported by good driving records and favorable loss histories on related auto/farm business, indicating a preference for stable, standard‑to‑better‑than‑average risks. - Farmowners risks in MN and ND where the residence and farm operations can be written under RAM’s farm package programs; broad options and endorsements are offered, favoring well‑managed farms that fit standard company programs. Restricted / declined classes (inferred only – not explicitly listed): - No evidence of appetite outside Minnesota and North Dakota; assume homeowners and related residential property risks are limited to those two states. - No explicit marketing of high‑risk or nonstandard segments (e.g., vacant, severely loss‑prone, or highly protected coastal/catastrophe‑exposed areas beyond MN/ND), so out‑of‑territory or highly nonstandard residential risks should be assumed out of appetite unless confirmed by an underwriter. - Mobile homeowners are specifically mentioned only for North Dakota; assume MN mobile homes and any specialty/park‑model exposures may have more restrictive appetite and require underwriting review. Geographic notes: - Active personal‑lines territory is explicitly limited to Minnesota and North Dakota. In MN, RAM writes owner‑occupied dwellings, tenant policies, seasonal dwellings, and direct homeowners/dwelling fire. In ND, RAM writes homeowners, mobile homeowners, and dwelling fire. Farmowners, personal auto, and farm truck programs are also limited to MN and ND, supporting a regional upper‑Midwest focus. Coverage & product structure notes (Home & related): - Homeowners is marketed as a package policy covering the dwelling and contents with the option to add endorsements; RAM highlights Homeowners Equipment Breakdown Coverage and Family Cyber Protection as key enhancements. Family Cyber Protection is automatically included on Homeowners and Farmowners policies, indicating that most standard HO and farm accounts will carry this coverage unless specifically removed. - Farmowners programs in both MN and ND are described as comprehensive farm packages with many available options and the ability to add workers’ compensation on many MN farms; this suggests RAM favors bundled farm accounts rather than monoline dwelling on active farms. - Personal umbrella coverage is offered above homeowners, auto, and farm liability, with some drop‑down potential; higher‑limit liability accounts that maintain underlying policies with RAM are implicitly preferred. Submission / producer process (public information only): - Agents access rating, underwriting guidance, and submission tools through the secure Agent Login on the RAM Mutual website. Public pages encourage prospects to "Find an Agent" rather than submit directly, indicating that business is written exclusively through appointed independent agents. - No public instructions are given on required documents or data points for submissions; expect standard personal‑lines data (full risk address, construction/occupancy details, updates, prior coverage, loss history) with any additional rules or documentation requirements provided inside the agent portal or manuals. Broker / producer notes (inferred from site structure): - RAM distributes through independent agents in MN and ND and emphasizes local agency relationships; producers should expect that appetite, pricing, and underwriting flexibility are managed regionally through assigned underwriters. - All detailed underwriting manuals, rate pages, and any state‑specific homeowners rules appear to be behind the Agent Login; producers should rely on the portal and underwriter contact for definitive eligibility on edge‑case or nonstandard residential risks. Because RAM does not publish external homeowners underwriting or appetite guides, do not rely on this summary for risk‑binding decisions; consult the RAM agent portal and an underwriter for current, binding rules, restricted classes, and required documentation.