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 official public guidance is limited and there does not appear to be a public standalone homeowner appetite/producer underwriting guide on the carrier site. For Home, RAM publicly states it writes personal property business in Minnesota and North Dakota. In Minnesota, RAM offers package policies for owner-occupied dwellings, tenant policies, seasonal dwellings, and also direct homeowner and dwelling fire policies. In North Dakota, RAM offers homeowner’s, mobile homeowner’s, and dwelling fire policies. Public materials also indicate personal liability, farm liability, and premises-only liability are available up to $1 million in both states. Operationally, the clearest current underwriting signal is from RAM’s April 10, 2024 annual financial report, which states the company implemented rate increases, coverage restrictions, increased base deductibles, growth restrictions, and shut down new business in its direct homeowner and dwelling fire programs in Minnesota. That suggests Minnesota direct Home submissions should be treated as materially constrained or unavailable unless the appointed agent confirms an exception or changed internal guidance; North Dakota appears to remain an active growth area based on the same report. Risk-control/eligibility notes publicly posted for solid-fuel-heated homes emphasize UL or similar listed equipment, qualified installation to code, 36-inch clearance to combustibles unless otherwise allowed, annual inspection/cleaning, required carbon monoxide alarms in homes with chimneys or wood stoves, smoke alarms on every level, and prohibition on using unlined single-brick chimneys for venting solid-fuel devices. Submission/broker notes: RAM distributes through independent agents, provides an agent login portal, and public claim/loss instructions direct insureds to contact their agent first. Because no public broker appetite page for Home was verified, specific declined classes, age/condition thresholds, protection class limits, roof rules, valuation rules, or inspection triggers were not publicly confirmed beyond the above restrictions and safety guidance. Practical takeaway: preferred publicly indicated Home business is standard personal residential property in MN/ND, with seasonal/tenant options in MN and mobile homeowner in ND; Minnesota direct homeowner/dwelling fire new business should be confirmed with RAM before marketing or submission.