Rockingham Mutual Insurance Co
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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 guidance remains centered on Virginia homeowners business. Rockingham states on its public site that Rockingham Insurance Company is only licensed in Virginia, and website coverages are Virginia-only; underwriting criteria and state availability apply. The verified underwriting document is a Virginia Homeowners Binding Authorities & New Business Underwriting Guidelines PDF dated 11/1/2020. Preferred/eligible business appears to be standard owner-occupied or supported secondary/seasonal homes that are well maintained, insured to value, and submitted complete through the agent workflow. New business submission requirements include mandatory use of RateRock, signed/dated insured and agent application, dwelling photos front/back plus other structures over 100 sq. ft., pool photos where applicable, e2Value replacement cost estimate for all non-condos, endorsement support forms, and a deposit to bind unless mortgagee billed or existing property customer. Solid-fuel devices require the company form plus clearance/pass-through photos; undisclosed solid-fuel devices may be declined. Core property requirements include minimum $1,000 property deductible; wind/hurricane deductibles are mandatory in designated coastal/tidewater Virginia counties and cities; Coverage A over $400,000 requires financial responsibility code J5 or better; dwellings built 1940 or earlier require functional/repair cost loss settlement treatment; secondary/seasonal dwellings require supporting primary; student housing on HO-4 requires supporting parent HO/FO/MO coverage. General eligibility/risk quality standards include no more than one loss up to $10,000 in the past 3 years, or past 5 years if water, fire, or liability; minimum 100-amp breaker service with NM/Romex or BX wiring; copper/PVC/CPVC/PEX plumbing; central heat; and NFPA 211 compliance for solid-fuel devices. HO-2/HO-3 minimum Coverage A is $50,000; HO-5 minimum Coverage A is $135,000; HO-4 minimum Coverage C is $15,000; HO-6 minimum Coverage C is $30,000. Roofs generally must be 20 years old or newer unless slate/tile/metal; flat roofs and roofs under 3/12 pitch are unacceptable. Call/refer before binding for 3- or 4-family dwellings, farm-use outbuildings, unique/unusual design, Coverage C over 100% of Coverage A, certain office/professional/private school/studio occupancies, properties in the company fortified-home map area, properties with natural gas wells, pools with diving boards/slides, domestic employees/care provided for others, and certain farm exposures. Liability notes: trampolines are only permitted for insurance scores over 700 with no losses in past 3 years, photos of fenced yard and protective net required, liability capped at $300,000, and no day care/business exposure may be present; policies with daycare may not exceed $300,000 liability. Declined/unacceptable classes/exposures include homes without prior insurance or canceled/non-renewed by prior carrier, unsafe structures, dwellings under construction, major-renovation vacant/unoccupied homes, historic-registry homes requiring preservation methods, corporate/business-owned dwellings or contents, vacant/unoccupied homes, >4-family/time-share/boarder risks, manufactured/mobile homes, travel trailers, homes on stilts/piers/nonstandard foundations, polybutylene/Quest plumbing, pre-2000 EIFS, knob-and-tube or aluminum wiring, primary heat by solid fuel or space heaters, garages/outbuildings with solid-fuel devices, homes lacking kitchen/sanitary facilities, dangerous animals, biting/vicious dogs, specified prohibited breeds, underground storage tanks except water/LP gas, roller-skate/bicycle ramps, zip lines, and certain landlord/additional insured requests. Producer/broker notes: Rockingham publicly emphasizes partnership with independent agents, and public quoting directs insureds to speak with an agent for a firm quote and complete a comprehensive application. Final approval remains with an authorized underwriter even if a risk appears to meet published guidelines.