Reamstown 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 site is Lancaster Mutual Insurance Company, formerly Reamstown Mutual. Publicly posted guidance is limited and appears to be marketing-level rather than a detailed producer appetite guide. Current published appetite indicates a Pennsylvania-focused carrier distributing through local independent agents, with over 100 selected agencies in Pennsylvania. For Home, Lancaster Mutual highlights homeowners, renters, and owner- or tenant-occupied mobile home package coverage. Published preferred residential business includes homeowners needing replacement cost coverage, market value options for insureds who may not want to rebuild, renters, eligible mobile homes, and homes with incidental home-based business or bed-and-breakfast exposures where available. The carrier also states it serves certain harder-to-place personal, commercial, and farm risks, but no formal class-by-class acceptability matrix, protection class limits, age-of-home rules, or construction restrictions were publicly found. No explicit public decline list was found on the verified official pages. Geographic notes: business is clearly Pennsylvania-centered; the company states it writes through independent insurance agencies in Pennsylvania and its agent locator is for Pennsylvania agents. Submission/broker notes: business is placed through independent agents rather than direct-to-consumer underwriting; an official agent portal/login and homeowner application tutorial exist, indicating submissions are expected via appointed agents. Public contact for underwriting is underwriting@lancastermutual.com and phone (888) 764-7232. Practical takeaway: for home business, position Lancaster Mutual as a PA-focused independent-agent market for standard-to-somewhat harder-to-place residential property, renters, and eligible mobile homes, with possible accommodation for home-based business/bed-and-breakfast exposures, but obtain agent-only underwriting rules directly from the carrier because no detailed public appetite or restriction guide was verified.