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
Reamstown Mutual Insurance Company has been rebranded and now operates as Lancaster Mutual Insurance Company, a subsidiary of Goodville Mutual Insurance Group. The company continues to focus on harder‑to‑place risks in personal (including homeowners and mobile homeowners), commercial, and farm lines, written through independent agents in Pennsylvania.([lancastermutual.com](https://www.lancastermutual.com/about-history?utm_source=openai)) Preferred / target business (home-related): - Owner‑occupied homes and mobile homes in Pennsylvania, often with farm or rural/agricultural exposures that may not fit standard markets (e.g., dwellings on working farms or with outbuildings, barns, and farm personal property). - Risks where the agent can provide a full picture of farm and household operations so coverages can be tailored (home, personal property, farm personal property, and liability packaged together).([ww.rmins.com](https://ww.rmins.com/farmowners.asp?utm_source=openai)) Restricted or declined classes (inferred from positioning as non‑standard / harder‑to‑place but still mutual/regional): - Extremely high‑hazard or non‑conforming properties may still be outside appetite despite the focus on harder‑to‑place risks; agents are instructed via appetite guides (referenced in Goodville’s report) to consult underwriting for borderline submissions.([goodville.com](https://www.goodville.com/pdf/goodville-2022-annualreport/index_10.html?utm_source=openai)) - Specific home underwriting prohibitions (e.g., vacancy, severe deferred maintenance, certain high‑hazard ancillary operations) are not published online; agents should treat such cases as refer‑to‑underwriting rather than bind‑and‑issue. Geographic notes: - Business is currently written in Pennsylvania, with Lancaster Mutual used to accommodate harder‑to‑place risks within the broader Goodville footprint; expansion to other states is contemplated but homeowners appetite shown publicly is PA‑centric.([lancastermutual.com](https://www.lancastermutual.com/about-history?utm_source=openai)) Submission / underwriting process for agents: - All business is placed through independent agents; there is no direct‑to‑consumer submission.([lancastermutual.com](https://www.lancastermutual.com/about-history?utm_source=openai)) - Goodville’s 2022 annual report notes the use of underwriting appetite guides distributed to agencies as part of the Lancaster Mutual rollout; agents are expected to consult these internal guides and contact underwriting when risks fall outside clearly defined appetite.([goodville.com](https://www.goodville.com/pdf/goodville-2022-annualreport/index_10.html?utm_source=openai)) - For home/farmowner‑type accounts, coverage may be written on replacement cost or actual cash value depending on age and other underwriting criteria, with eligibility for special form (“all physical loss”) and valuation basis determined by construction, use, and age. Agents should provide accurate construction, age, usage, and valuation details with submissions.([ww.rmins.com](https://ww.rmins.com/farmowners.asp?utm_source=openai)) Broker / producer notes: - Agents are positioned as local, community‑based advisors who develop strong relationships and are expected to help evaluate farm and home exposures comprehensively, including scheduling valuables like jewelry, silver, and antiques when appropriate.([ww.rmins.com](https://ww.rmins.com/farmowners.asp?utm_source=openai)) - Contact for underwriting questions is centralized under Lancaster Mutual at the New Holland, PA office (underwriting@lancastermutual.com), and agents should route eligibility or appetite questions there rather than assuming authority on harder‑to‑place home/farm risks.([lancastermutual.com](https://www.lancastermutual.com/about-history?utm_source=openai)) Operationally, Reamstown/Lancaster Mutual should now be treated as Lancaster Mutual for all new and renewal homeowners placements. No carrier‑published, line‑by‑line public homeowners underwriting manual or appetite matrix is available online; agents must rely on internal appetite guides and direct underwriter consultation for specific acceptability, surcharges, or declination triggers.